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Our Mortgage Fees

At John Charcol, every client’s journey towards securing the right mortgage begins with a complimentary, no-obligation consultation. Here, we tailor our approach to your specific needs – whether you’re stepping onto the property ladder for the first time, expanding your investment portfolio, or seeking a commercial property.

Our fee structure is transparent and customised based on the type of transaction you need and whether you’re a returning client. We believe in clarity from the get-go, so you’ll know exactly what fees to expect before moving forward with any application.

We do more than just process your loan application. Our fees reflect the comprehensive research, deep market knowledge, and personalised, independent advice we provide to ensure you find the best mortgage solution. Whether it’s for a residential, buy-to-let, or commercial mortgage, our dedicated team is here to guide you through every step.

For detailed insights into our fee structure or to discuss your mortgage needs further, please don’t hesitate to contact us directly. We’re here to help you navigate your mortgage journey with ease and confidence.

Speak to a mortgage adviser

Fill out the short form below and choose a time that suits you. It’s a no-commitment opportunity for our experts to help you.

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By submitting this form, you consent to being contacted by John Charcol for the purposes of progressing your mortgage application.

As John Charcol is part of Pivotal Growth Ltd, you can also choose to hear about other products or services offered within the group that we believe may be helpful to you.

You can change your preferences or opt out at any time. For more details, please read our cookie and privacy statement.

Please tick above if you’d like to receive these communications:

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Ask about a second charge mortgage

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1. First Charge - I understand that a first charge mortgage could be a more cost-effective alternative to a second charge and have considered this before proceeding.

2. Existing Mortgage Product - I am currently tied into a mortgage product with an early repayment charge if I choose to leave this deal early and I have investigated the possibility of a further advance from my existing lender.

3. Product Suitability - I understand that second charge mortgages may not be suitable in all situations and that advice will be provided by our second charge partner “The Loan Partnership” to help determine if this is the right solution for me.

4. Data Sharing Consent - I agree that my name and contact information can be shared with a trusted partner firm – The Loan Partnership – to receive personalised advice on second charge options.

5. Understanding of Risk - I understand the risks associated with securing other debts against my home and my home may be repossessed if I do not keep up repayments on a mortgage or any debt secured against it. I am also aware that by consolidating existing borrowing that I may be extending the terms of the debt and increasing the total amount I repay.

Please tick above if you’d like to receive these communications:

*Please note that neither John Charcol Limited nor its Appointed Representatives are providing mortgage advice as part of this enquiry. Second charge mortgage advice will be provided by The Loan Partnership FCA ref 707809. If you need to investigate first charge mortgage options, please contact John Charcol via this contact form.

  • No obligation conversation