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How can John Charcol help you?

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 60%: 2 Year 1.19% Tracker.
Initial Rate
1.19% - Bank Base Rate plus 0.94% until 28/02/2019 then 3.74% Variable for term
Total amount of credit
Monthly repayments
Scheme fees
Total amount payable
Overall rate
3.40% APRC

Fees and charges:

Booking Fee£0
Arrangement fee£995
Valuation fee£525
Other fees£0


Overpayments allowed?10% per annum
Early Repayment Charges3% until 28/02/2018, 1% until 28/02/2019

Other info:

Exit fee£0
Basic legalsPayable
Special DealFree legal service and free valuation for remortgages only.
Representative example A mortgage of £270,000 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years at 1.19% (0.94% above Bank Base Rate, currently 0.25%) and then on a variable rate of 3.74% for the remaining 23 years would require 26 payments of £1040.52 and 274 payments of £1,354.91. The total amount payable would be £399,819 made up of the loan amount plus interest (£128,299) and fees (£1,520). The overall cost for comparison is 3.40% 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

The Broker: Mortgage advice from the experts mouth - Offset mortgage buys flexibility

What is an offset mortgage, and who should have one? WHILE last month's bank rate cut was good news (allegedly) for borrowers, it heralded more bad news for savers, as once again they saw the return on their money hammered downwards. But for anyone who has both savings and a mortgage, there's some light at the end of the tunnel. No, it's not a train coming the other way, it's an 'offset' mortgage.

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John Charcol helps first time buyer with new London Help to Buy scheme

29 year old London lawyer, Harry Jefferies has bought his first property in the capital thanks to the London Help to Buy initiative, Barclays and mortgage advice from independent broker, John Charcol.

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Final Rules from the PRA on BTL Mortgages

Following its consultation exercise the PRA has today announced its final rules for BTL mortgages, with few changes from the draft proposals announced 6 months ago.

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Setting up a limited company for your buy to let properties. Is it worth it?

If you’re starting to feel the pinch in the buy to let market and have concerns ahead of the proposed changes to lending affordability and the additional tax changes coming into force in 2017, now could be the time to consider limited company buy to lets.

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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.