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I’m Looking to
Mortgages
Buy to Let

Buy to let mortgage rates

LTD company buy to let mortgages

Buy to let remortgages

Portfolio landlord mortgages

Resources & guides
First Time Buyer

First time mortgage deals

First time buyer stamp duty calculator

First time buyer costs

Resources & guides
Moving House

Moving house mortgage

Fixed rate mortgages

Resources & guides
Remortgage

Remortgage deals and rates

Second charge mortgages

Best fixed rate remortgage

Interest only remortgage

Resources & guides
Specialist Mortgages

Bad credit mortgages

Expat mortgages

Specialist property mortgages

All specialist mortgages
Tools & Calculators

Buy-to-Let mortgage calculator

How much can I borrow

Mortgage affordability calculator

Capital gains tax calculator

All tools & calculators
Protection
Conveyancing
About Us
Insights
Speak to an adviser
Contact Us

Category: Housing Market

25 February 2025
The Office for National Statistics (ONS) has reported that inflation has eased in recent months, but the cost of living…
25 February 2025
With the increasing emphasis on green mortgages and the benefits of sustainable homeownership, understanding Energy Performance Certificates (EPCs) is more…

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.

John Charcol is a trading name of John Charcol Limited and its Appointed Representatives. We are a credit broker, not a lender. We are whole of market broker. We may receive commission from the lender and this amount varies between lenders. 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 4th Floor, 11 Leadenhall Street, London, EC3V 1LP. The FCA does not regulate some investment mortgage contracts. Calls may be recorded for training and monitoring.

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What is your current situation?

Please confirm that you have read and understood the following:

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.

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Yes, I acknowledge and understand the above statements

*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.

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Category: Housing Market

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