Independent Mortgage Broker Experts Guiding You Home
John Charcol is the original independent mortgage broker in the UK. We’re award-winning with 50 years of experience in finding the best mortgage rates for every type of buyer.
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The John Charcol Difference
We provide a service that’s uniquely tailored to you.
Want someone to hold your hand through the buying process? We’re here.
Need advice on mortgaging a diverse portfolio? No problem.
Unsure what cover will protect you and your family? We’ve got it.
We provide expert advice based on 50 years' experience
With 50 years of service, we’ve seen it all. Whether you’re a first time buyer looking to get on the property ladder or a seasoned landlord with a complex income structure, our mortgage experts can help. We can save you money, time and make buying your property easy (and dare we say – enjoyable!) Still not convinced? Check out what our customers say on reviews.co.uk, where we have over 2,700 5 star reviews. Feel confident that your mortgage is in the right hands with John Charcol’s experts.
We find you the best deal
We’re a whole of market mortgage broker covering the UK and Northern Ireland which means we’re not tied to any lenders; we look at products from across the entire market to find the best deal for you. Your John Charcol mortgage adviser will learn about your situation and explain your mortgage options before making a product recommendation. Once you’re happy with your recommendation, we’ll pass you over to your client relationship manager who’ll manage the rest of the mortgage process for you.
We carry you through the application process
Unlike other UK mortgage brokers, finding and arranging the best mortgage for your circumstances isn’t all John Charcol do. We help you through your entire property-buying journey by submitting your application, managing its progress and liaising with the lender. Our team can also find you conveyancers, insurance and protection cover. We can even help you move into your new home and set up things like utilities and Council Tax.
Calculators to Make Your Journey Easier
Ready to crunch some numbers? Check out some of our mortgage calculators below to get you started.
How Much Can I Borrow?
This is not a quotation under the Consumer Credit Act. Figures are subject to validation of income, credit checks and a property valuation.
As a guide, you could potentially borrow around:
As long as you've got a 10% deposit, good credit history, and no big debts or expenses, you should be able to borrow up to .
The amount you could potentially borrow…
Calculating the amount you could borrow
How is this calculated?
* Our mortgage calculator assumptions. Use our handy mortgage calculators for guidance only. The figures are illustrative and your actual mortgage payments may differ.
Next Steps
Speak to our team for a free consultation and more advice on what you can borrow.
The maximum loan you can borrow is:
What could your maximum loan be…
Calculating your maximum loan
How is this calculated?
Our buy-to-let mortgages calculator estimates your maximum loan amount using your proposed monthly rental income and a stress test rate of 5% or 5.5% to account for any landlord cost rises. This calculator assumes a rental income of 125%of the mortgage repayments.
Next Steps
Speak to our team for a free consultation and more advice on what you can borrow.
Second Charge Mortgage Calculator UK
Use our second charge mortgage calculator to work out what you can afford on a second charge mortgage. Simply enter your property’s value and the amount currently outstanding on your first charge mortgage.
You could raise a second charge of up to:
Your second charge could be…
Calculating your second charge
How is this calculated?
This second charge loan calculator will work out how much you could borrow on a second charge mortgage by calculating the total amount of equity available in your property, at a totalLTV of 85% (85% is a common maximum LTV used by many second charge mortgage lenders). It will then subtract your outstanding first charge from the total amount of equity available. This figure will then give you the amount you could potentially borrow on a second charge mortgage on your property.
Next Steps
Speak to our team for a free consultation and more advice on what you can borrow.
Mortgage Repayment Calculator
Monthly Payment
You monthly repayments could be…
Calculating your monthly repayments
How is this calculated?
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Next Steps
Speak to our team for a free consultation and more advice on what you can borrow.
John Charcol's
Rate Watch Guarantee
Lock in a great deal today, and we’ll automatically check your chosen lender’s rates after around four weeks – keeping you updated on any changes. (Lender restrictions may apply.)
Should a better offer become available that suits your needs, we’ll help you switch during the process, so you never miss out on a smarter mortgage choice.
Today's Best Buy Mortgages
Want an idea of the rates currently available? Here are the latest and lowest mortgage rates on the market today.
Residential Best Buys
Based on a mortgage of £125,000 at 50.00% LTV.
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Provider
Initial Rate
3.00%
Then 3.00% (variable)
Cost Comparison
5.00% APRC
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Provider
Initial Rate
3.00%
Then 3.00% (variable)
Cost Comparison
6.00% APRC
-
Provider
Initial Rate
3.00%
Then 3.00% (variable)
Cost Comparison
6.00% APRC
Buy to Let Best Buys
Based on a mortgage of £125,000 at 50.00% LTV.
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Provider
Initial Rate
3.00%
Then 3.00% (variable)
Cost Comparison
6.00% APRC
-
Provider
Initial Rate
3.00%
Then 3.00% (variable)
Cost Comparison
6.00% APRC
-
Provider
Initial Rate
4.00%
Then 4.00% (variable)
Cost Comparison
6.00% APRC
Where award-winning mortgage advisers live
We’re a people company. Our diverse range of talented people each bring their own knowledge and experience to the business.
Will Mortgage Rates Go Down In 2025?
Mortgage rates may ease gradually through late 2025, but momentum has stalled. Following the August 2025 cut to 4%, further reductions are unlikely before 2026.
Markets expect only modest easing by year-end, with the base rate potentially moving toward 3% in 2026 if inflation continues to cool. Fixed mortgage rates are currently steady, with deals falling below 4% for borrowers with lower loan-to-value ratios.
Nicholas Mendes
Head of Marketing