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
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Total amount of credit
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Monthly repayments
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Scheme fees
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Total amount payable
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Overall rate
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Max Loan to value 75%: Exclusive 2 Year 1.24% Fixed. Purchase only. Completion deadline 30/09/2017.
Initial Rate
1.24% Fixed until 30/06/2019 then 3.74% Variable for term
Total amount of credit
£337,500
Monthly repayments
£1,308
Scheme fees
£1,564
Total amount payable
£499,088
Overall rate
3.30% APRC

Fees and charges:

Booking Fee£0
Arrangement fee£999
Valuation fee£565
Other fees£0
Cashback£0

Flexibility:

Overpayments allowed?Subject to any current offers
Early Repayment Charges2.25% until 30/06/2018, 1.2% until 30/06/2019

Other info:

Exit fee£0
Basic legalsPayable
Special Deal
Call now for more information: 0344 346 3672
Representative example A mortgage of £337,500 payable over 25 years on a repayment basis, initially on a fixed rate for 2years at 1.24% and then on a variable rate of 3.74% for the remaining 23 years would require 27 payments of £1,308.39 and 273 payments of £1,693.03. The total amount payable would be £499,088 made up of the loan amount plus interest (£160,024) and fees (£1,564). The overall cost for comparison is 3.30% APRC representative
Max Loan to value 60%: Exclusive 2 Year 1.26% Fixed. Remortgage Only. Completion deadline 30/09/2017.
Initial Rate
1.26% Fixed until 30/06/2019 then 3.74% Variable for term
Total amount of credit
£270,000
Monthly repayments
£1,049
Scheme fees
£999
Total amount payable
£399,161
Overall rate
3.30% 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 30/06/18, 1.1% until 30/06/19

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 £270,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years at 1.26% and then on a variable rate of 3.74% for the remaining 23 years would require 27 payments of £1,049.20 and 273 payments of £1,354.70. The total amount payable would be £399,161 made up of the loan amount plus interest (£128,162) and fees (£999). The overall cost for comparison is 3.30% APRC representative
Max Loan to value 75%: Exclusive 2 Year 1.39% Fixed. Remortgage Only. Completion deadline 30/09/2017.
Initial Rate
1.39% Fixed until 31/06/2019 then 3.74% Variable for term
Total amount of credit
£337,500
Monthly repayments
£1,332
Scheme fees
£999
Total amount payable
£499,853
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 30/06/18, 1.2% until 30/06/19

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 27 payments of £1,331.79 and 273 payments of £1,695.59. The total amount payable would be £499,853 made up of the loan amount plus interest (£161,354) and fees (£999). The overall cost for comparison is 3.40% 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.