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 877 mortgage deals that match your search

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Product code 003Y4R
Initial rate 1.44% then 5.69% (variable) ?
Monthly repayments £794 ?
Type/Duration Fixed  until 01/01/2021 ?
Scheme fees £2,233 ?
Cost comparison £22,089 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,999
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 31-Jan-2020; then 2.00% of loan amount redeemed to be paid until 31-Jan-2021

Other info

Exit fees £199
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 1.44% and then on a variable rate, currently 5.69%, for the remaining 22 years and 11 months would require 25 payments of £794.25 and 275 payments of £1,199.97. The total amount payable would be £348,647 made up of the loan amount plus interest (£146,414) and fees (£2,233 which includes exit fees of £199). The overall cost for comparison is 4.9% APRC representative.

More info

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

Product code 0057TQ
Initial rate 1.49% then 4% (variable) ?
Monthly repayments £799 ?
Type/Duration Fixed  until 01/03/2021 ?
Scheme fees £1,759 ?
Cost comparison £22,531 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,499
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-Mar-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 26 months at 1.49% and then on a variable rate, currently 4%, for the remaining 22 years and 10 months would require 26 payments of £798.93 and 274 payments of £1,033.42. The total amount payable would be £305,688 made up of the loan amount plus interest (£103,929) and fees (£1,759 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 0057TR
Initial rate 1.49% then 4% (variable) ?
Monthly repayments £799 ?
Type/Duration Fixed  until 01/03/2021 ?
Scheme fees £1,759 ?
Cost comparison £22,531 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,499
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-Mar-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 26 months at 1.49% and then on a variable rate, currently 4%, for the remaining 22 years and 10 months would require 26 payments of £798.93 and 274 payments of £1,033.42. The total amount payable would be £305,688 made up of the loan amount plus interest (£103,929) and fees (£1,759 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 001DQ7
Initial rate 1.54% then 4% (variable) ?
Monthly repayments £804 ?
Type/Duration Fixed  until 01/01/2021 ?
Scheme fees £1,190 ?
Cost comparison £21,281 ?

Fees & Charges

Booking fee £0
Arrangement fee £900
Valuation fee £280
Other fees £10
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 31-Jan-2020; then 2.00% of loan amount redeemed to be paid until 31-Jan-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 25 months at 1.54% and then on a variable rate, currently 4%, for the remaining 22 years and 11 months would require 25 payments of £803.64 and 275 payments of £1,034.75. The total amount payable would be £305,837 made up of the loan amount plus interest (£104,647) and fees (£1,190 which includes exit fees of £0). The overall cost for comparison is 3.63% APRC representative.

More info

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

Product code 001WK5
Initial rate 1.54% then 4.24% (variable) ?
Monthly repayments £804 ?
Type/Duration Fixed  until 01/01/2021 ?
Scheme fees £1,030 ?
Cost comparison £21,121 ?

Fees & Charges

Booking fee £0
Arrangement fee £995
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-Jan-2020; then 1.00% of loan amount redeemed to be paid until 31-Jan-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 25 months at 1.54% and then on a variable rate, currently 4.24%, for the remaining 22 years and 11 months would require 25 payments of £803.64 and 275 payments of £1,059.11. The total amount payable would be £312,376 made up of the loan amount plus interest (£111,346) and fees (£1,030 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 0058GI
Initial rate 1.55% then 5.44% (variable) ?
Monthly repayments £805 ?
Type/Duration Fixed  until 01/02/2021 ?
Scheme fees £989 ?
Cost comparison £21,908 ?

Fees & Charges

Booking fee £0
Arrangement fee £799
Valuation fee £80
Other fees £35
Cashback £0

Flexibility

Max LTV 80%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 28-Feb-2021

Other info

Exit fees £75
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 26 months at 1.55% and then on a variable rate, currently 5.44%, for the remaining 22 years and 10 months would require 26 payments of £804.58 and 274 payments of £1,184.13. The total amount payable would be £346,360 made up of the loan amount plus interest (£145,371) and fees (£989 which includes exit fees of £75). The overall cost for comparison is 4.9% APRC representative.

More info

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

Product code 00586F
Initial rate 1.56% then 4.99% (variable) ?
Monthly repayments £806 ?
Type/Duration Fixed  until 01/03/2021 ?
Scheme fees £65 ?
Cost comparison £21,814 ?

Fees & Charges

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

Flexibility

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

Other info

Exit fees £65
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 1.56% and then on a variable rate, currently 4.99%, for the remaining 22 years and 9 months would require 27 payments of £805.52 and 273 payments of £1,134.95. The total amount payable would be £331,655 made up of the loan amount plus interest (£131,590) and fees (£65 which includes exit fees of £65). The overall cost for comparison is 4.5% APRC representative.

More info

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

Product code 002SRR
Initial rate 1.58% then 5.69% (variable) ?
Monthly repayments £807 ?
Type/Duration Fixed  until 01/01/2021 ?
Scheme fees £1,233 ?
Cost comparison £21,418 ?

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 31-Jan-2020; then 2.00% of loan amount redeemed to be paid until 31-Jan-2021

Other info

Exit fees £199
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 1.58% and then on a variable rate, currently 5.69%, for the remaining 22 years and 11 months would require 25 payments of £807.41 and 275 payments of £1,201.51. The total amount payable would be £348,395 made up of the loan amount plus interest (£147,162) and fees (£1,233 which includes exit fees of £199). The overall cost for comparison is 4.9% APRC representative.

More info

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

Product code 0053AR
Initial rate 1.59% then 4.24% (variable) ?
Monthly repayments £808 ?
Type/Duration Fixed  until 01/01/2021 ?
Scheme fees £1,114 ?
Cost comparison £21,323 ?

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-Jan-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 1.59% and then on a variable rate, currently 4.24%, for the remaining 22 years and 11 months would require 25 payments of £808.36 and 275 payments of £1,059.59. The total amount payable would be £312,710 made up of the loan amount plus interest (£111,596) 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 287
Initial rate 1.59% then 4.24% (variable) ?
Monthly repayments £808 ?
Type/Duration Fixed  until 13/12/2020 ?
Scheme fees £1,084 ?
Cost comparison £20,485 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £20
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year

Other info

Exit fees £65
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 1.59% and then on a variable rate, currently 4.24%, for the remaining 23 years would require 24 payments of £808.36 and 276 payments of £1,060.50. The total amount payable would be £313,183 made up of the loan amount plus interest (£112,099) and fees (£1,084 which includes exit fees of £65). The overall cost for comparison is 3.9% APRC representative.

More info

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

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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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