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Ask the experts

At John Charcol, we are constantly asked for advice by borrowers on what they should do when it comes to mortgages. As such, we’ve created this section so that you can submit your questions to our experts. The answers are provided by a team of experts, led by our in house mortgage technical manager, Simon Collins, who has spent the last 11 years helping our consultants to place mortgage applications.

Latest deals

Post Office
Virgin money
Accord Mortgages
Max Loan to value 65%: Large Loan 5 Year 1.84% Fixed. Maximum loan £2,000,000
Initial Rate
1.84% Fixed for 5 years then 3.75% Variable for term
Total amount of credit
Monthly repayments
Scheme fees
Total amount payable
Overall rate
3.10% APRC

Fees and charges:

Booking Fee£0
Arrangement fee£999
Valuation fee£1,250
Other fees£35


Overpayments allowed?20% per annum
Early Repayment Charges£50, plus (5% in year 1, 4% in year 2, 3% in year 3, 2% in year 4, 1% in year 5)

Other info:

Exit fee£50
Basic legalsPayable
Special Deal
Representative example A mortgage of £1,105,000 payable over 25 years on a repayment basis, initially on a fixed rate for 5 years at 1.84% and then on a variable rate of 3.75% for the remaining 20 years would require 60 payments of £4,598 and 240 payments of £5,470.35. The total amount payable would be £1,591,098 made up of the loan amount plus interest (£483,764) and fees (£2,334 which includes exit fees of £50). The overall cost for comparison is 3.10% APRC representative

Confused by all the options? We can guide you.

Our expert team of advisers are available to help you choose the mortgage that is right for you.

Phone us

0344 346 3672

News & knowledge

Move or improve? Top tips for homeowners planning to improve their home

The Channel 4 show, Love it or List it, presented by Kirstie Allsopp and Phil Spencer has shown us that we don’t necessarily need to move to get a bigger, better house. And over the last few years, we’ve seen that more and more of our clients are looking to stay put and renovate and improve their homes.

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Remortgaging in 2017? Is now the time to take control with a 10-year fixed-rate mortgage?

If you’re an older, wiser, more settled borrower could you benefit from a longer term on your mortgage deal? We think you could, but it’s important to be mindful of those exit penalties…

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A beginner’s guide to second charge mortgages.

What are second charge mortgages, why have they increased in popularity and when are they useful? Our resident mortgage expert Alistair Hargreaves explains what a second charge mortgage is, also known as a secured loan, and when they might be beneficial.

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Move or Improve? Top tips for home movers with a mortgage

So you’re looking to move home? The process of moving home is usually for positive reasons, like moving to a new area, buying a larger property or because you’re starting a family or perhaps a new job? It’s often said that the process of moving home can be stressful and traumatic but it needn’t be, at least not from the perspective of your existing mortgage finances.

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John Charcol is a trading name of John Charcol Limited and its Appointed Representatives. John Charcol Limited is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 665649. Registered in England No. 9157892. Registered office address for John Charcol Limited is 5th Floor, Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU. The FCA does not regulate some investment mortgage contracts. Calls may be recorded for training and monitoring.