Mortgage expertise, helping you compare 1000s of mortgage deals

John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

90%

1054 Total reviews

4.82 Average rating

Reviews.co.uk

Our comparison tool provides an indication of the best mortgage deals currently available to our clients on an exclusive or semi exclusive basis. To find out if you qualify or if there are better options available call our experts who can conduct a more detailed, personalised search. We can help you save time and money and our mortgage experts will manage your application from start to finish.

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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 85 mortgages that match your search

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Initial rate 1.7% then 4.49% (variable) ?
Monthly repayments £819 ?
Type/Duration Fixed  until 01/09/2020 ?
Scheme fees £1,005 ?
Cost comparison £21,794 ?

Fees & Charges

Booking fee £0
Arrangement fee £795
Valuation fee £0
Other fees £15
Cashback £500

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 30-Sep-2019; then 2.00% of loan amount redeemed to be paid until 30-Sep-2020

Other info

Exit fees £195
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 1.7% and then on a variable rate, currently 4.49%, for the remaining 22 years and 10 months would require 26 payments of £818.80 and 274 payments of £1,085.41. The total amount payable would be £319,196 made up of the loan amount plus interest (£118,191) and fees (£1,005 which includes exit fees of £195). The overall cost for comparison is 4.1% APRC representative.

More info

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

Initial rate 1.74% then 3.75% (variable) ?
Monthly repayments £823 ?
Type/Duration Fixed  until 01/04/2021 ?
Scheme fees £1,259 ?
Cost comparison £27,333 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £35
Cashback £250

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 02-Apr-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 32 months at 1.74% and then on a variable rate, currently 3.75%, for the remaining 22 years and 4 months would require 32 payments of £822.62 and 268 payments of £1,006.85. The total amount payable would be £297,169 made up of the loan amount plus interest (£95,910) and fees (£1,259 which includes exit fees of £225). The overall cost for comparison is 3.5% APRC representative.

More info

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

Initial rate 1.87% then 3.99% (variable) ?
Monthly repayments £835 ?
Type/Duration Fixed  until 01/12/2020 ?
Scheme fees £1,377 ?
Cost comparison £25,245 ?

Fees & Charges

Booking fee £0
Arrangement fee £995
Valuation fee £352
Other fees £30
Cashback £350

Flexibility

Max LTV 80%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 31-Dec-2019; then 1.00% of loan amount redeemed to be paid until 31-Dec-2020

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 29 months at 1.87% and then on a variable rate, currently 3.99%, for the remaining 22 years and 7 months would require 29 payments of £835.11 and 271 payments of £1,068.13. The total amount payable would be £314,708 made up of the loan amount plus interest (£113,331) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.8% APRC representative.

More info

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

Initial rate 1.94% then 3.99% (variable) ?
Monthly repayments £842 ?
Type/Duration Fixed  until 01/12/2023 ?
Scheme fees £1,377 ?
Cost comparison £55,749 ?

Fees & Charges

Booking fee £0
Arrangement fee £995
Valuation fee £352
Other fees £30
Cashback £350

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 5.00% of loan amount redeemed to be paid until 31-Dec-2019; then 4.00% of loan amount redeemed to be paid until 31-Dec-2020; then 3.00% of loan amount redeemed to be paid until 31-Dec-2021; then 2.00% of loan amount redeemed to be paid until 31-Dec-2022; then 1.00% of loan amount redeemed to be paid until 31-Dec-2023

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 65 months at 1.94% and then on a variable rate, currently 3.99%, for the remaining 19 years and 7 months would require 65 payments of £841.88 and 235 payments of £1,009.78. The total amount payable would be £293,048 made up of the loan amount plus interest (£91,671) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.3% APRC representative.

More info

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

Initial rate 2.06% then 4.49% (variable) ?
Monthly repayments £854 ?
Type/Duration Fixed  until 01/09/2020 ?
Scheme fees £570 ?
Cost comparison £22,463 ?

Fees & Charges

Booking fee £0
Arrangement fee £0
Valuation fee £360
Other fees £15
Cashback £300

Flexibility

Max LTV 90%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 30-Sep-2019; then 2.00% of loan amount redeemed to be paid until 30-Sep-2020

Other info

Exit fees £195
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 2.06% and then on a variable rate, currently 4.49%, for the remaining 22 years and 10 months would require 26 payments of £853.56 and 274 payments of £1,089.01. The total amount payable would be £320,851 made up of the loan amount plus interest (£120,281) and fees (£570 which includes exit fees of £195). The overall cost for comparison is 4.1% APRC representative.

More info

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

Initial rate 2.08% then 3.99% (variable) ?
Monthly repayments £856 ?
Type/Duration Fixed  until 01/09/2023 ?
Scheme fees £1,199 ?
Cost comparison £54,241 ?

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 4.75% of loan amount redeemed to be paid until 30-Sep-2019; then 4.00% of loan amount redeemed to be paid until 30-Sep-2020; then 3.00% of loan amount redeemed to be paid until 30-Sep-2021; then 2.75% of loan amount redeemed to be paid until 30-Sep-2022; then 1.20% of loan amount redeemed to be paid until 30-Sep-2023

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 62 months at 2.08% and then on a variable rate, currently 3.99%, for the remaining 19 years and 10 months would require 62 payments of £855.52 and 238 payments of £1,014.99. The total amount payable would be £295,809 made up of the loan amount plus interest (£94,610) and fees (£1,199 which includes exit fees of £0). The overall cost for comparison is 3.3% APRC representative.

More info

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

Initial rate 2.08% then 3.99% (variable) ?
Monthly repayments £856 ?
Type/Duration Fixed  until 01/09/2023 ?
Scheme fees £1,199 ?
Cost comparison £54,241 ?

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 4.75% of loan amount redeemed to be paid until 30-Sep-2019; then 4.00% of loan amount redeemed to be paid until 30-Sep-2020; then 3.00% of loan amount redeemed to be paid until 30-Sep-2021; then 2.75% of loan amount redeemed to be paid until 30-Sep-2022; then 1.20% of loan amount redeemed to be paid until 30-Sep-2023

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 62 months at 2.08% and then on a variable rate, currently 3.99%, for the remaining 19 years and 10 months would require 62 payments of £855.52 and 238 payments of £1,014.99. The total amount payable would be £295,809 made up of the loan amount plus interest (£94,610) and fees (£1,199 which includes exit fees of £0). The overall cost for comparison is 3.3% APRC representative.

More info

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

Initial rate 2.1% then 4.49% (variable) ?
Monthly repayments £857 ?
Type/Duration Fixed  until 01/09/2020 ?
Scheme fees £210 ?
Cost comparison £22,504 ?

Fees & Charges

Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £15
Cashback £0

Flexibility

Max LTV 90%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 30-Sep-2019; then 2.00% of loan amount redeemed to be paid until 30-Sep-2020

Other info

Exit fees £195
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 2.1% and then on a variable rate, currently 4.49%, for the remaining 22 years and 10 months would require 26 payments of £857.48 and 274 payments of £1,089.41. The total amount payable would be £321,003 made up of the loan amount plus interest (£120,793) and fees (£210 which includes exit fees of £195). The overall cost for comparison is 4.1% APRC representative.

More info

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

Initial rate 2.14% then 4.99% (variable) ?
Monthly repayments £861 ?
Type/Duration Fixed  until 01/08/2020 ?
Scheme fees £1,424 ?
Cost comparison £22,959 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £300
Other fees £25
Cashback £0

Flexibility

Max LTV 90%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 31-Aug-2019; then 1.00% of loan amount redeemed to be paid until 31-Aug-2020

Other info

Exit fees £100
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 2.14% and then on a variable rate, currently 4.99%, for the remaining 22 years and 11 months would require 25 payments of £861.41 and 275 payments of £1,143.27. The total amount payable would be £337,359 made up of the loan amount plus interest (£135,935) and fees (£1,424 which includes exit fees of £100). The overall cost for comparison is 4.6% APRC representative.

More info

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

Initial rate 2.14% then 3.75% (variable) ?
Monthly repayments £861 ?
Type/Duration Fixed  until 01/10/2023 ?
Scheme fees £260 ?
Cost comparison £53,667 ?

Fees & Charges

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

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 5.00% of loan amount redeemed to be paid until 02-Oct-2023

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 62 months at 2.14% and then on a variable rate, currently 3.75%, for the remaining 19 years and 10 months would require 62 payments of £861.41 and 238 payments of £995.37. The total amount payable would be £290,565 made up of the loan amount plus interest (£90,305) and fees (£260 which includes exit fees of £225). The overall cost for comparison is 3.2% APRC representative.

More info

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

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When choosing the right mortgage deal, expertise counts

The deals highlighted by our mortgage comparison tool will only be available through independent brokers like John Charcol. When you’ve found a deal that you think is right for you our experts can compare it to 1000’s of mortgage products in the market. 

When arranging a mortgage it's important to remember that the best deals aren’t necessarily about the lowest mortgage rate possible. By choosing John Charcol our experts will help by researching the whole market and recommending the best product based on a variety of criteria, such as, the rate available to you, 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.

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