Compare the best mortgage deals for you

Our mortgage comparison tool lets you compare mortgage best buy 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 1,353 mortgage deals that match your search

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Scheme ID 38726
Initial rate 0.78% then 4.24% (variable) ?
Monthly repayments £ 959 ?
Type/Duration Variable ?
Scheme fees £1,199 ?
Cost comparison £24,210 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 0.8% until 31-03-21, 0.6% until 31-03-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years and 4 months at 0.78%, and then on a variable rate for 22 years and 8 months at 4.24%. This would require 28 payments of £958.78 and 272 payments of £1,368.75. The total amount payable would be £400,345 made up of the loan amount plus interest (£137,896) and fees (£1,199 which includes exit fees of £0). The overall cost for comparison is 3.64% APRC representative.

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

Scheme ID 17726
Initial rate 1.05% then 4.24% (variable) ?
Monthly repayments £ 991 ?
Type/Duration Variable ?
Scheme fees £1,699 ?
Cost comparison £25,471 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 1.5% until 31-03-21, 0.8% until 31-03-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 4 months at 1.05%, and then on a variable rate for 22 years and 8 months at 4.24%. This would require 28 payments of £990.50 and 272 payments of £1,372.76. The total amount payable would be £402,824 made up of the loan amount plus interest (£139,875) and fees (£1,699 which includes exit fees of £0). The overall cost for comparison is 3.71% APRC representative.

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

Scheme ID 17680
Initial rate 1.08% then 4.24% (variable) ?
Monthly repayments £ 994 ?
Type/Duration Variable ?
Scheme fees £1,199 ?
Cost comparison £25,057 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 1.5% until 31-03-21, 1% until 31-03-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 4 months at 1.08%, and then on a variable rate for 22 years and 8 months at 4.24%. This would require 28 payments of £994.07 and 272 payments of £1,373.20. The total amount payable would be £402,543 made up of the loan amount plus interest (£140,094) and fees (£1,199 which includes exit fees of £0). The overall cost for comparison is 3.70% APRC representative.

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

Scheme ID 17757
Initial rate 1.19% then 4.24% (variable) ?
Monthly repayments £ 1,007 ?
Type/Duration Variable ?
Scheme fees £1,025 ?
Cost comparison £25,198 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 2% until 31-01-21, 1% until 31-01-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.19%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,007.21 and 274 payments of £1,377.58. The total amount payable would be £404,669 made up of the loan amount plus interest (£142,394) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.76% APRC representative.

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

Scheme ID 17732
Initial rate 1.19% then 4.24% (variable) ?
Monthly repayments £ 1,007 ?
Type/Duration Variable ?
Scheme fees £1,699 ?
Cost comparison £25,872 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.5% until 31-03-21, 0.9% until 31-03-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 4 months at 1.19%, and then on a variable rate for 22 years and 8 months at 4.24%. This would require 28 payments of £1,007.21 and 272 payments of £1,374.80. The total amount payable would be £403,846 made up of the loan amount plus interest (£140,897) and fees (£1,699 which includes exit fees of £0). The overall cost for comparison is 3.74% APRC representative.

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

Scheme ID 13516
Initial rate 1.21% then 4% (variable) ?
Monthly repayments £ 1,010 ?
Type/Duration Variable ?
Scheme fees £1,034 ?
Cost comparison £25,015 ?

Fees & Charges

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

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges £250, plus 3% until 02-12-21, 3% until 02-02-22, plus Benefit repayable until 2-12-2021

Other info

Exit fees £225
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.21%, and then on a tracker rate for 22 years and 10 months at 4%. This would require 26 payments of £1,009.61 and 274 payments of £1,346.26. The total amount payable would be £396,134 made up of the loan amount plus interest (£133,850) and fees (£1,259 which includes exit fees of £225). The overall cost for comparison is 3.57% APRC representative.

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

Scheme ID 10386
Initial rate 1.21% then 4.24% (variable) ?
Monthly repayments £ 1,010 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £25,358 ?

Fees & Charges

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

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 2% until 31-01-21, 1% until 31-01-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.21%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,009.61 and 274 payments of £1,377.85. The total amount payable would be £404,908 made up of the loan amount plus interest (£142,281) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.78% APRC representative.

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

Scheme ID 6906
Initial rate 1.21% then 4.24% (variable) ?
Monthly repayments £ 1,010 ?
Type/Duration Variable ?
Scheme fees £1,034 ?
Cost comparison £25,265 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges £80, plus (2% until 31-01-22) of balance repaid

Other info

Exit fees £80
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.21%, and then on a tracker rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,009.61 and 274 payments of £1,377.85. The total amount payable would be £404,895 made up of the loan amount plus interest (£142,611) and fees (£1,114 which includes exit fees of £80). The overall cost for comparison is 3.77% APRC representative.

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

Scheme ID 13750
Initial rate 1.23% then 4.24% (variable) ?
Monthly repayments £ 1,012 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £25,415 ?

Fees & Charges

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

Flexibility

Max LTV 70%
Overpayments allowed? Yes
Early Repayment charges 2% until 31-01-21, 1% until 31-01-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.23%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,012.02 and 274 payments of £1,378.12. The total amount payable would be £405,044 made up of the loan amount plus interest (£142,417) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.78% APRC representative.

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

Scheme ID 17686
Initial rate 1.23% then 4.24% (variable) ?
Monthly repayments £ 1,012 ?
Type/Duration Variable ?
Scheme fees £1,199 ?
Cost comparison £25,487 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.5% until 31-03-21, 0.9% until 31-03-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 4 months at 1.23%, and then on a variable rate for 22 years and 8 months at 4.24%. This would require 28 payments of £1,012.02 and 272 payments of £1,375.38. The total amount payable would be £403,639 made up of the loan amount plus interest (£141,190) and fees (£1,199 which includes exit fees of £0). The overall cost for comparison is 3.73% APRC representative.

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.

Unsure About What Mortgage To Choose?

If you're unsure as to what mortgage to choose, below are all of the mortgages types that are available, these cover all types of buyers and one that may be similar to your situation.

For those looking to purchase their first home.

For those looking to purchase an investment property.

For those looking to move out of their old home and into a new one.

For those looking to save on their monthly repayments, raise the money to pay off some existing debts or fund something like a home improvement project.

For those looking to fund property development or commercial properties.

For those looking for something a little more complex than regular mortgage types.

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