Looking for the best exclusive mortgage deals on the market?

With over 40 years of experience in the mortgage market John Charcol is experienced in working with a wide range of small banks, private lenders and we have access to products only available through a number of select mortgage brokers. On this page we highlight our pick of the best limited distribution deals available to our clients.

Why speak to a mortgage adviser?

Before you choose a mortgage deal, it's important to speak with an independent mortgage expert. Our advisers at John Charcol will be able to assist you in comparing products from across the mortgage market to help you decide which mortgage is best for you, and your individual needs. If you could be better off taking out another mortgage with a different provider our experts will let you know.

Current exclusive mortgage deals available through John Charcol:

Initial Rate
?
Total amount of credit
?
Monthly repayments
?
Scheme fees
?
Total amount payable
?
Overall rate
?
Max Loan to value 75%: Exclusive 2 Year 1.39% Fixed. Remortgage Only
Initial Rate
1.39% Fixed until 31/03/2019 then 3.74% Variable for term
Total amount of credit
£337,500
Monthly repayments
£1,332
Scheme fees
£999
Total amount payable
£501,318
Overall rate
3.40% APRC

Fees and charges:

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

Flexibility:

Overpayments allowed?Subject to any current offers
Early Repayment Charges2.5% until 31/03/18, 1.3% until 31/03/19

Other info:

Exit fee£0
Basic legalsFree
Special DealFree valuation. Free legal service.
Call now for more information: 0344 346 3672
Representative example A mortgage of £337,5000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 3.74% for the remaining 23 years would require 25 payments of £1,331.79 and 275 payments of £1,698.27. The total amount payable would be £501,318 made up of the loan amount plus interest (£162,819) and fees (£999). The overall cost for comparison is 3.40% APRC representative.
Max Loan to value 60%: Exclusive 2 Year 1.31% Fixed. Remortgage Only.
Initial Rate
1.41% Fixed until 31/03/2019 then 3.74% Variable for term
Total amount of credit
£270,000
Monthly repayments
£1,055
Scheme fees
£999
Total amount payable
£400,727
Overall rate
3.40% APRC

Fees and charges:

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

Flexibility:

Overpayments allowed?Subject to any current offers
Early Repayment Charges2.25% until 31/03/2018, 1.1% until 31/03/2019

Other info:

Exit fee£0
Basic legalsFree
Special DealFree valuation. Free legal service.
Call now for more information: 0344 346 3672
Representative example A mortgage of £270,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years at 1.31% and then on a variable rate of 3.74% for the remaining 23 years would require 25 payments of £1,055.42 and 275 payments of £1,357.61. The total amount payable would be £400,727 made up of the loan amount plus interest (£129,728) and fees (£999). The overall cost for comparison is 3.40% APRC representative
Max Loan to value 60%: Exclusive 5 Year 1.89% Fixed
Initial Rate
1.89% Fixed until 02/05/2022 then 4.49% Variable for term
Total amount of credit
£270,000
Monthly repayments
£1,130
Scheme fees
£1,034
Total amount payable
£410,269
Overall rate
3.50% APRC

Fees and charges:

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

Flexibility:

Overpayments allowed?10% per annum
Early Repayment Charges5% until 02/05/2022

Other info:

Exit fee£225
Basic legalsPayable
Special DealCashback of £250 on completion and Free valuation
Call now for more information: 0344 346 3672
Representative example A mortgage of £270,000 payable over 25 years on a repayment basis, initially on a fixed rate for 5 years at 1.89% and then on a variable rate of 4.49% for the remaining 20 years would require 62 payments of £1,130.00 and 238 payments of £1,424.16. The total amount payable would be £410,269 made up of the loan amount plus interest (£139,010) and fees (£1,259 which includes exit fees of £225). The overall cost for comparison is 3.50% APRC representative

Legal

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.

John Charcol is a trading name of John Charcol Limited and its Appointed Representatives. John Charcol Limited is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 665649. Registered in England No. 9157892. Registered office address for John Charcol Limited is 5th Floor, Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU. The FCA does not regulate some investment mortgage contracts. Calls may be recorded for training and monitoring.