Compare the best mortgage deals for you

Our mortgage comparison tool lets you compare the best mortgages rates based on your budget and preferred loan type. Once you have found the best mortgage deals for you, call our experts and we can conduct a personalised search to check if you qualify or if there is a better deal available. 

When you choose John Charcol, our mortgage experts will save time and money by managing your application from start to finish. 

Tell us what type of mortgage you're looking for?

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We recommend you sort by True Cost Comparison find out more

We recommend you sort by True Cost Comparison

We suggest you use our ‘True Cost Comparison’ filter. This allows you to accurately understand how different mortgages compare by ordering results based on the total cost over a ‘deal period’, such as a two, or five-year fixed rate mortgage.

Some low interest rate deals might seem attractive, but if fees are higher they might not be the best value for you. When comparing mortgage deals our true cost comparison factors the lender fees over the length of the deal as well as your monthly mortgage payments.

For example, if your repayments are £2,000 per month on a two-year fixed-rate mortgage, plus £500 in lender fees, the total cost of the deal is £48,500.

We've found 826 mortgage deals that match your search

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Product code 00234P
Initial rate 1.47% then 4.24% (variable) ?
Monthly repayments £797 ?
Type/Duration Fixed  until 01/09/2021 ?
Scheme fees £1,199 ?
Cost comparison £22,720 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.4% of loan amount redeemed to be paid until 30-Sep-2020; then 0.8% of loan amount redeemed to be paid until 30-Sep-2021

Other info

Exit fees £0
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.47% and then on a variable rate, currently 4.24%, for the remaining 22 years and 9 months would require 27 payments of £797.06 and 273 payments of £1,056.51. The total amount payable would be £311,147 made up of the loan amount plus interest (£109,948) and fees (£1,199 which includes exit fees of £0). The overall cost for comparison is 3.9% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 00234S
Initial rate 1.47% then 4.24% (variable) ?
Monthly repayments £797 ?
Type/Duration Fixed  until 01/09/2021 ?
Scheme fees £1,199 ?
Cost comparison £22,720 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.4% of loan amount redeemed to be paid until 30-Sep-2020; then 0.8% of loan amount redeemed to be paid until 30-Sep-2021

Other info

Exit fees £0
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.47% and then on a variable rate, currently 4.24%, for the remaining 22 years and 9 months would require 27 payments of £797.06 and 273 payments of £1,056.51. The total amount payable would be £311,147 made up of the loan amount plus interest (£109,948) and fees (£1,199 which includes exit fees of £0). The overall cost for comparison is 3.9% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 002H6V
Initial rate 1.49% then 4% (variable) ?
Monthly repayments £799 ?
Type/Duration Fixed  until 01/10/2021 ?
Scheme fees £1,259 ?
Cost comparison £22,830 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £35
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 02-Oct-2021

Other info

Exit fees £225
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.49% and then on a variable rate, currently 4%, for the remaining 22 years and 9 months would require 27 payments of £798.93 and 273 payments of £1,032.57. The total amount payable would be £304,722 made up of the loan amount plus interest (£103,463) and fees (£1,259 which includes exit fees of £225). The overall cost for comparison is 3.6% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 004I9F
Initial rate 1.49% then 4.74% (variable) ?
Monthly repayments £799 ?
Type/Duration Fixed  until 01/09/2021 ?
Scheme fees £1,132 ?
Cost comparison £22,703 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £8
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 30-Sep-2020; then 1.00% of loan amount redeemed to be paid until 30-Sep-2021

Other info

Exit fees £125
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.49% and then on a variable rate, currently 4.74%, for the remaining 22 years and 9 months would require 27 payments of £798.93 and 273 payments of £1,110.79. The total amount payable would be £326,790 made up of the loan amount plus interest (£125,658) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 4.4% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code PQB
Initial rate 1.49% then 4% (variable) ?
Monthly repayments £799 ?
Type/Duration Fixed  until 01/10/2021 ?
Scheme fees £1,259 ?
Cost comparison £22,830 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £35
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 02-Oct-2021

Other info

Exit fees £225
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.49% and then on a variable rate, currently 4%, for the remaining 22 years and 9 months would require 27 payments of £798.93 and 273 payments of £1,032.57. The total amount payable would be £304,722 made up of the loan amount plus interest (£103,463) and fees (£1,259 which includes exit fees of £225). The overall cost for comparison is 3.6% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 004GUU
Initial rate 1.52% then 4.24% (variable) ?
Monthly repayments £802 ?
Type/Duration Fixed  until 01/10/2021 ?
Scheme fees £1,377 ?
Cost comparison £23,576 ?

Fees & Charges

Booking fee £0
Arrangement fee £995
Valuation fee £352
Other fees £30
Cashback £250

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 31-Oct-2020; then 1.00% of loan amount redeemed to be paid until 31-Oct-2021

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 28 months at 1.52% and then on a variable rate, currently 4.24%, for the remaining 22 years and 8 months would require 28 payments of £801.75 and 272 payments of £1,056.10. The total amount payable would be £310,835 made up of the loan amount plus interest (£109,458) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.9% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 0053AR
Initial rate 1.52% then 4.24% (variable) ?
Monthly repayments £802 ?
Type/Duration Fixed  until 01/07/2021 ?
Scheme fees £1,114 ?
Cost comparison £21,158 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £35
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 31-Jul-2021

Other info

Exit fees £80
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 25 months at 1.52% and then on a variable rate, currently 4.24%, for the remaining 22 years and 11 months would require 25 payments of £801.75 and 275 payments of £1,058.91. The total amount payable would be £312,358 made up of the loan amount plus interest (£111,244) and fees (£1,114 which includes exit fees of £80). The overall cost for comparison is 3.9% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 004I8L
Initial rate 1.59% then 4.74% (variable) ?
Monthly repayments £808 ?
Type/Duration Fixed  until 01/09/2021 ?
Scheme fees £1,132 ?
Cost comparison £22,958 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £8
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 30-Sep-2020; then 1.00% of loan amount redeemed to be paid until 30-Sep-2021

Other info

Exit fees £125
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.59% and then on a variable rate, currently 4.74%, for the remaining 22 years and 9 months would require 27 payments of £808.36 and 273 payments of £1,111.89. The total amount payable would be £327,346 made up of the loan amount plus interest (£126,214) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 4.4% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 004IAR
Initial rate 1.59% then 4.74% (variable) ?
Monthly repayments £808 ?
Type/Duration Fixed  until 01/09/2022 ?
Scheme fees £1,132 ?
Cost comparison £32,658 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £8
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 30-Sep-2020; then 2.00% of loan amount redeemed to be paid until 30-Sep-2021; then 1.00% of loan amount redeemed to be paid until 30-Sep-2022

Other info

Exit fees £125
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 39 months at 1.59% and then on a variable rate, currently 4.74%, for the remaining 21 years and 9 months would require 39 payments of £808.36 and 261 payments of £1,097.62. The total amount payable would be £319,691 made up of the loan amount plus interest (£118,559) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 4.2% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 004PL4
Initial rate 1.59% then 4.99% (variable) ?
Monthly repayments £808 ?
Type/Duration Fixed  until 01/09/2021 ?
Scheme fees £1,073 ?
Cost comparison £22,649 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £0
Cashback £250

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 30-Sep-2020; then 1.00% of loan amount redeemed to be paid until 30-Sep-2021

Other info

Exit fees £74
Basic legals £0

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.59% and then on a variable rate, currently 4.99%, for the remaining 22 years and 9 months would require 27 payments of £808.36 and 273 payments of £1,135.28. The total amount payable would be £332,580 made up of the loan amount plus interest (£131,507) and fees (£1,073 which includes exit fees of £74). The overall cost for comparison is 4.5% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

View more mortgages

When choosing the best mortgage deal, expertise counts

When arranging a mortgage it's important to remember that the best deals aren’t necessarily about the lowest mortgage rate possible. Our expert mortgage advisers can help by researching the market and recommending the best products based on your own individual circumstances and requirements, finding the best rate available to you, taking into account the mortgage set up costs, whether or not the product is portable to another property, and the amount of any early repayment charges. Regardless of whether you’re a first-time buyer, remortgaging, moving home or investing in the property market we can help save you time, effort and money.

With over 40 years’ experience as an independent mortgage broker, our team are dedicated to providing the very best mortgage advice to our clients. Being an independent mortgage broker means we have a unique ability to search the whole of the market to get the best mortgage deals for our clients and their individual situation.

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