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Mortgage Guides

Our range of mortgage guides are crafted to explain mortgages in simple terms, without any jargon or sales talk for pure practical advice.

Whether you’re a first-time buyer, looking to remortgage, or stepping into the world of property investment, confidently navigate the UK property market with our guides.

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Featured Guides

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Applying for a Mortgage

Applying for a mortgage couldn’t be simpler with our easy and simple guide from application to accepting your offer.

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Divorce and Mortgages

It’s vitally important that you understand your mortgage options during or following a divorce or separation from a partner. John Charcol’s guide provides the perfect starting point.

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    Couple Smiling And Showing Off Their New House Keys

    Applying for a Mortgage

    Applying for a mortgage couldn’t be simpler with our easy and simple guide from application to accepting your offer.

    Couple Smiling And Showing Off Their New House Keys

    Divorce and Mortgages

    It’s vitally important that you understand your mortgage options during or following a divorce or separation from a partner. John Charcol’s guide provides the perfect...

    Couple Smiling And Showing Off Their New House Keys

    Can I Borrow Money for a Mortgage Deposit?

    Learn when you can borrow money for a deposit on a house in our guide. From family loans to bridging – find out everything you...

    Couple Smiling And Showing Off Their New House Keys

    Capital Gains Tax Guide

    You pay Capital Gains Tax on the profit you make from the sale of a property that’s not your main residence. In our guide we...

    Couple Smiling And Showing Off Their New House Keys

    Second Home Stamp Duty

    What is second home Stamp Duty? Learn how second property tax works & use our calculator to work out how much Stamp Duty you’ll pay...

    Couple Smiling And Showing Off Their New House Keys

    Tenants in Common

    If you buy a property with someone as tenants in common, you each own a separate share. Find out how this works, how it’s different...

    Couple Smiling And Showing Off Their New House Keys

    Buy-to Let-Tax Changes

    Our buy-to-let tax changes guide takes you through the latest regarding the Stamp Duty holiday, buy-to-let mortgage interest tax relief and more.

    Couple Smiling And Showing Off Their New House Keys

    Tax on Rental Income

    What don’t you know about the tax on rental income? Our guide gives landlords insight on how it’s applied, the rates you’ll pay and your...

    Couple Smiling And Showing Off Their New House Keys

    Buy to Let Limited Company

    Considering buying a buy-to-let property through a limited company? Read about tax efficiencies, setting up a buy-to-let LTD company, advantages & disadvantages

    Couple Smiling And Showing Off Their New House Keys

    Buy-to-Let Stamp Duty Guide

    Are you looking to purchase a buy-to-let property? Learn all about second home Stamp Duty right here. Work out how much you’ll pay with our...

    Couple Smiling And Showing Off Their New House Keys

    Family Offset Mortgage

    Could a family offset mortgage be right for you? Find out what a family offset is, who they can help, how they work, where to...

    Couple Smiling And Showing Off Their New House Keys

    Rent to Buy and Other Low Deposit Mortgage Schemes UK

    Want to know where your mortgage deposit can come from? See our guide for information on legitimacy and which deposit sources lenders deem acceptable and...

    Couple Smiling And Showing Off Their New House Keys

    How Do Offset Mortgages Work?

    Find out whether an offset mortgage could work for you in this guide. Here we explain what offset mortgages are, how they’re different from normal...

    Couple Smiling And Showing Off Their New House Keys

    Joint Mortgage with Parents

    A joint mortgage with parents could be a way for you to borrow more. Find out how joint mortgages work, the drawbacks & what alternatives...

    Couple Smiling And Showing Off Their New House Keys

    Gifted Deposit Mortgage

    Can you get a mortgage with a gifted deposit? Find out in our guide. We explain what a gifted deposit is, how it works, the...

    Couple Smiling And Showing Off Their New House Keys

    Mortgage Deposit Amounts

    Learn all about the different mortgage deposit amount options, how they affect your mortgage, how they vary depending on what type of borrower you are...

    Couple Smiling And Showing Off Their New House Keys

    How Much Deposit Do You Need for a Mortgage?

    Learn how much deposit you need for a mortgage in our guide. We explain what the minimum deposit needed for a mortgage is, what you...

    Couple Smiling And Showing Off Their New House Keys

    Family Springboard Mortgage or Family Deposit Mortgage

    The Family Springboard Mortgage is one of multiple family deposit mortgages currently available. Learn all about it & other similar products here.

    How Can John Charcol Help?

    Mortgages

    John Charcol Expert Tip - Sept 2025

    Our Mortgage Guides are designed to make the complex simple. From comparing deals and understanding fees to exploring different types of mortgages, we bring everything together in one place.

    Alongside our Best Buys, you’ll also get expert insight to help you understand which options fit your circumstances.

    Whether you’re a first-time buyer, remortgaging, or planning a property investment, our guides give you the knowledge and confidence to make smarter mortgage decisions.

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    We Give Personal, Expert Advice

    We work around your schedule to help you arrange a mortgage that suits your circumstances, no matter how complex.

    We Take Care of Everything

    With 50 years of service, we’ve seen it all. We can save you money, time and make buying your property easy.

    We’re highly recommended

    We have thousands of 5* reviews on reviews.io, so you can feel confident that your mortgage is in the right hands.

    Free Online Mortgage Calculators and Tools to Help You Unlock What’s Possible

    Want to know how much you can borrow on a mortgage? Or perhaps what your monthly payments will be? We have mortgage calculators for all sorts of scenarios, from CGT Tax to deposits and mortgage overpayments to monthly savings.

    Discover our tools and calculators

    Speak to a mortgage adviser

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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.

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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.

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