Sitemap
Please explore the John Charcol website using the sitemap below. The sitemap is split into several sections and will help you navigate around the website to specific pages of the site. These specific sections are made up of mortgages, Best Mortgage Rates, helpful advice in the form of news and opinions, calculators and guides. In addition to this, the website has a vast number of mortgage FAQs that we have republished for your convenience.
Posts
- Looking Ahead at 2026
- What Happens if Mortgage Rates Drop Before Completion?
- Should a Down Valuation Be Seen as a Negative or a Reflection of the Current Market Value?
- April Mortgages’ 100% Fixed Rates
- What Is Buy Now Pay Later and What Does It Mean for My Mortgage Applications?
- Early Repayment Charge - ERC Mortgage
- Should First Time Buyers Continue Renting or Take the Leap into Homeownership?
- Avoid Making a Costly Mistake by Not Checking When You Go onto the Lender’s SVR
- How to Save Money on Your Mortgage as the Cost of Living Continues
- Should I Stay, or Should I Go?
- A New Window Opens for Self-Employed
- Managing Through Mortgage Uncertainty
- Honest Advice for Homeowners Considering Whether to Move House or Stay and Improve
- Considerations for Expats Buying Rental Property in the UK
- Airbnb Mortgage Considerations for Homeowners
- Beware of Conditional Selling: a Warning for First-Time Buyers and Home Movers
- Why The Saying ‘Never Settle For 2nd Best’ Isn’t Always True
- Here Are Your Mortgage Options Following a Separation or Divorce
- The Advantages of Second Charge Mortgages for Residential and Buy-to-Let Mortgage Holders
- Is Now the Right Time to Invest in a Property or Grow a Portfolio?
- Mortgage Mistakes to Avoid
- Supporting Your Children in Climbing the Property Ladder: a Comprehensive Blog for Parents and Grandparents
- To Bridge or Not to Bridge? Let to Buy Might Be the Answer
- Why You Can No Longer Be in the Red About Going Green
- What Is a Brownfield Site? And Is Redeveloping a More Sustainable Option?
- First Time Buyers: How to Start Your Home Buying Journey with Confidence
- Will the EPC Changes Cause Damage to our Commitment to Climate Change?
- Move or Stay? How Home Improvements Could Add Value To Your Home
- From Expats to Repats and Back Again
- Top Reasons to Remortgage Your Home and the Process
- What Happens When You Inherit a House in the UK?
- What Are Near Prime Mortgages and How Do They Work?
- The Buy-to-Let Market: Trends, Challenges and Opportunities
- Are Higher Mortgage Rates Deterring Home Movers from Upsizing?
- Navigating the Mortgage Market as a High Net Worth Individual
- Maximizing Mortgage Overpayments: a Strategic Financial Move
- 2024 Conservative and Labour Manifestos on New Homes
- What Is a Share of Freehold?
- Remortgaging? Why Wouldn’t You Have a Protection Review?
- 4 Common Myths About Protection Insurance Debunked
- Can You Pay for Your Mortgage with a Credit Card?
- What Mortgage Do You Need for an Airbnb?
- Buying the Freehold: What Do I Need to Know?
- Capital Gains Tax on Second Homes
- A Review of Skipton’s Residential Track Record Mortgage
- Interest Rates and House Prices
- Will Interest-Only Ever Be the Default Option for Homeowners Over Repayment?
- Buy-to-Let Expectations 2023
- LTV - Loan-to-Value Mortgages Explained
- Does Gambling Affect a Mortgage Application in the UK?
- What’s Next for the Housing Market?
- What Credit Score Is Needed to Buy a House?
Pages
- Independent Mortgage Brokers
- Sitemap
- Accessibility
- Introducer and Affiliate Schemes
- Regulatory Statement
- Cookie and Privacy Statement
- Mortgages
- Commercial Mortgages (Charleston Form Test)
- Additional Services
- Mortgage Affordability
- What Mortgage Can You Get on Your Salary?
- Tier 2 Visa Mortgages
- Single Parent Mortgages
- Repayments on a £300,000 Mortgage
- Repayments on a £200,000 Mortgage
- Repayments on a £150,000 Mortgage
- Repayments on a £100,000 Mortgage
- I Can't Remortgage Due to Affordability
- Mortgage Repayments Guide
- Mortgage Offer Withdrawn
- Mortgage Income Multiples
- Mortgage Declined on Affordability
- Mortgage Declined After Valuation
- Mortgage Declined After Exchange
- Mortgage Declined After AIP
- Mortgage Based on 7 Times Salary
- Mortgage Application Process UK
- Mortgage Agreement in Principle
- Mortgage Affordability for Second Homes
- Mortgage Affordability Checks
- Million Pound Mortgage
- How to Get Quick Mortgage Approval
- Had a Mortgage Declined? What Is Next?
- Getting a Mortgage of 4 to 4.5 Times Your Salary
- Getting a Mortgage Based on 6 Times Salary
- Getting A Mortgage Based On 5 Times Salary
- Buy-to-Let Mortgage Eligibility Criteria
- £500,000 Mortgages
- £400,000 Mortgages
- Insurance
- Home and Contents Insurance
- Mortgage Protection Insurance Cost
- Life Insurance
- Life Insurance with Critical Illness
- What Is a Life Insurance Trust and Why Put Life Insurance in a Trust?
- Life Insurance for Over 60s
- Do I Need a Life Insurance Broker?
- Level Term Life Insurance or Decreasing Life Insurance?
- Income Protection vs Critical Illness Insurance
- Income Protection Insurance: Types of Protection and Your Options UK
- Do I Need Mortgage Protection Insurance?
- How to Get the Best Mortgage Protection Insurance UK
- Freelance and Self-Employed Mortgages
- Specialist Mortgages
- New Build Apartment Mortgages
- Offset Mortgages
- Expat Mortgages UK
- Contractor Mortgages
- Find the Best Interest-Only Mortgage Rates
- Mortgages for Directors
- Mortgages for Doctors
- Let to Buy Mortgage
- Private Bank Mortgages
- Bridging Loans
- Second Charge Mortgages
- What Are the Pros and Cons of a Second Mortgage?
- Second Charge Mortgage Rates
- Second Charge Mortgage Buy-to-Let
- Second Charge Bridging Loan
- How to Remove a Second Charge on a Property
- How to Put a Second Charge on Property
- How Much Can I Borrow on a 2nd Charge Mortgage?
- How Does a Second Charge Mortgage Work?
- First Charge and Second Charge
- Commercial Second Charge
- Can You Get a Second Charge Mortgage with Bad Credit?
- Can I Get a Second Mortgage on My House?
- Bad Credit Mortgages
- How a Mortgage Application Affects Your Credit Report
- What to Do if Your Mortgage Is Declined
- What Is the Minimum Credit Score for Mortgages in the UK?
- What Is Checkmyfile?
- Understanding Your Credit Report
- Shared Ownership Mortgages with Bad Credit
- Self-Employed Mortgage with Bad Credit
- Mortgages for First Time Buyers with Bad Credit
- Mortgages for Discharged Bankrupts
- Mortgages After Payday Loans
- Mortgage Credit Check UK
- Late Payments and Mortgage Applications
- Joint Mortgage with One Bad Credit Applicant
- How to Obtain a Joint Mortgage When Both Applicants Have Bad Credit History
- How to Get a Mortgage With Good Income but Bad Credit
- How Much Mortgage Deposit Do I Need with a CCJ?
- How Long After Repossession Can I Get a Mortgage?
- Guaranteed Mortgage Approval with Bad Credit
- Getting a Second Mortgage with Bad Credit
- Getting a Mortgage After Bankruptcy
- Does an IVA Affect Your Credit Score?
- Contractor Mortgages with Bad Credit
- Can You Get a Mortgage with Credit Card Debt? UK
- Can You Get a Mortgage on Benefits?
- Can I Get a Right to Buy Mortgage if I Have Bad Credit?
- Can I Get a Mortgage If I Have No Credit History?
- Can I Get a Mortgage After a Debt Relief Order?
- Can I Get a Mortgage with an IVA?
- Can You Get a Mortgage with a Criminal Conviction
- How Far Back Do Mortgage Lenders Look at Credit History?
- Can I Get a Mortgage with a Default?
- Subprime Mortgage
- Debt to Income Ratio
- Can You Get a Mortgage with a CCJ?
- Bad Credit Mortgage Brokers
- Development Finance
- Specialist Property Mortgages
- Underpinned Property Mortgage
- Solar Panels and Mortgage Lenders
- Seafarer Mortgages
- Mortgages on Uninhabitable Property
- Mortgages on High Rise Apartments
- Mortgages Next to Commercial Property
- Mortgages for Steel Framed Properties
- Mortgages for Properties with Annexes
- Mortgages for Flats Above Shops
- Mortgages Close to Mineshafts
- Getting a Mortgage on Contaminated Land
- Mortgage on a Castle
- Mortgage for a Church Conversion
- Large Acreage Mortgage
- How to Get a Mortgage on a Thatched Property
- How to Get a Mortgage for a Fixer-Upper
- How to Get a Mortgage for a Barn Conversion
- How Property Type Can Affect a Mortgage Application
- Getting a Mortgage on a Single Brick Construction Property
- Flying Freehold Mortgages
- Flat Roof Mortgages
- Ex-Council House Mortgages
- Eco Mortgages
- Down Valuation: Is Your Mortgage Valuation Survey Undervalued?
- Can You Get a Mortgage on a Grade 2 Listed Building?
- Care Home Mortgages
- Can I Get a Mortgage with Japanese Knotweed?
- Can I Get a Mortgage to Buy Off Plan?
- Can I Get a Mortgage on a Prefab House?
- Buying a House with Subsidence
- Buying a House with a Public Footpath
- Bungalow Mortgage
- Below Market Value Mortgage
- Asbestos and Mortgages
- Apartment Mortgages
- Concrete House Mortgage
- Mortgage on Timber Framed House UK
- Buying a Repossessed House
- Can You Get a Mortgage on a Maisonette?
- Mortgages on Ex-Local Authority Flats
- Mortgages for Flats
- Holiday Let Mortgages
- Leasehold Mortgages
- Airbnb Mortgage
- Non-Standard Construction Mortgages
- Commercial Mortgages
- Buy to Let
- Moving House Mortgage
- Remortgage
- First Time Buyer Mortgage
- Best Buys
- First Time Buyer Mortgage Rates
- Best Cashback Mortgage Offers
- Large Mortgage Loans for High Value Properties
- Best Tracker Mortgage
- Best Fixed Rate Mortgages
- Best Remortgage Deals and Remortgage Rates UK
- Shared Ownership Mortgages
- Remortgaging When Retired
- Remortgaging a Shared Ownership Home
- Mortgage Product Transfer vs Remortgaging
- Interest Only Remortgage
- How to Remortgage
- How to Remortgage with Bad Credit
- How to Remortgage to Buy Another Property
- Should I Remortgage Now?
- How to Remortgage a Help to Buy Home
- How to Find the Best Remortgage Rates and Remortgage Deals
- How Much Does Remortgaging Cost?
- How Much Can I Borrow on a Remortgage?
- How Long Does It Take to Remortgage Your Home?
- Do I Need a Solicitor for My Remortgage?
- Day 1 Remortgages Explained
- Capital Raising Mortgage
- Can You Remortgage with a County Court Judgement (CCJ)?
- Can I Get a Remortgage While Self Employed or on Part Time Hours
- 9 Reasons to Remortgage
- Debt Consolidation Remortgage
- Portfolio Landlord Mortgages
- Buy to Let Remortgages
- Limited Company Buy to Let Mortgage
- Buy To Let Mortgage Deals
- Careers
- Meet The Team
- Ask the Experts
- Our Fees
- Client Testimonials
- About us
- Rate Watch Guarantee
- Protection
- Blogs
- Contact Us
- Home
Guides
- Divorce and Mortgages
- Can I Borrow Money for a Mortgage Deposit?
- Capital Gains Tax Guide
- Second Home Stamp Duty
- Applying for a Mortgage
- Tenants in Common
- Buy-to Let-Tax Changes
- Tax on Rental Income
- Buy to Let Limited Company
- Buy-to-Let Stamp Duty Guide
- Family Offset Mortgage
- Rent to Buy and Other Low Deposit Mortgage Schemes UK
- How Do Offset Mortgages Work?
- Joint Mortgage with Parents
- Gifted Deposit Mortgage
- Mortgage Deposit Amounts
- How Much Deposit Do You Need for a Mortgage?
- Family Springboard Mortgage or Family Deposit Mortgage
- Buy-to-Let Mortgage Deposit: How Much Is It?
- Second Home Mortgage Deposit
- Proof of Deposit for Mortgage
- Where Can My Mortgage Deposit Come From?
- No Deposit Mortgage
- Mortgage Deposit Guide
- Green Mortgages UK
- Types of House Surveys
- Equity Release Guide
- Guarantor Mortgages
- Shared Ownership Guide
- Right to Buy Guide
- Types of Houses
- House Mortgage Deposit
- Freehold and Leasehold
- Protecting Your Home and Property
- Property Finance for Expats
- Borrowing into Retirement
- Funding Home Improvements
- Becoming a Landlord
- Cryptocurrency and Mortgages
- Buy to Let Guide
- Remortgaging Guide
- Help to Buy Guide
- Bad Credit Guide
- Stamp Duty Tax Guide
- Mortgage Types
- House Buying Mortgage Guide
- Moving Home Guide
- Second Home Mortgage
- First Time Buyers’ Guide
Tools & Calculators
- Buy to Let and Second Home Stamp Duty Calculator
- Stamp Duty Calculator (SDLT)
- Second Charge Mortgage Calculator
- Salary Calculator
- Rental Yield Calculator
- Remortgage Calculator
- Mortgage Overpayment Calculator
- Mortgage Repayment Calculator
- Loan-to-Value Calculator
- Mortgage Deposit Calculator
- Mortgage Comparison Calculator
- Interest-Only Calculator
- First Time Buyer Stamp Duty Calculator
- Expat Mortgage Calculator
- Contractor and Self-Employed Calculator
- Capital Gains Tax Calculator
- Buy to Let Rent Calculator
- Buy-to-Let Mortgage Calculator
- Mortgage Affordability Calculator
- How much can I borrow