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John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

90%

1002 Total reviews

4.82 Average rating

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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 65 mortgages that match your search

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Initial rate 1.66% then 3.99% (variable) ?
Monthly repayments £815 ?
Type/Duration Fixed  until 01/09/2020 ?
Scheme fees £1,199 ?
Cost comparison £24,019 ?

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 1.40% of loan amount redeemed to be paid until 30-Sep-2019; then 0.90% of loan amount redeemed to be paid until 30-Sep-2020

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 28 months at 1.66% and then on a variable rate, currently 3.99%, for the remaining 22 years and 8 months would require 28 payments of £815.00 and 272 payments of £1,032.50. The total amount payable would be £304,859 made up of the loan amount plus interest (£103,660) and fees (£1,199 which includes exit fees of £0). The overall cost for comparison is 3.7% APRC representative.

More info

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

Initial rate 1.66% then 3.99% (variable) ?
Monthly repayments £815 ?
Type/Duration Fixed  until 01/09/2020 ?
Scheme fees £1,199 ?
Cost comparison £24,019 ?

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 1.40% of loan amount redeemed to be paid until 30-Sep-2019; then 0.90% of loan amount redeemed to be paid until 30-Sep-2020

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 28 months at 1.66% and then on a variable rate, currently 3.99%, for the remaining 22 years and 8 months would require 28 payments of £815.00 and 272 payments of £1,032.50. The total amount payable would be £304,859 made up of the loan amount plus interest (£103,660) and fees (£1,199 which includes exit fees of £0). The overall cost for comparison is 3.7% APRC representative.

More info

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

Initial rate 1.72% then 4.49% (variable) ?
Monthly repayments £821 ?
Type/Duration Fixed  until 01/07/2020 ?
Scheme fees £1,255 ?
Cost comparison £22,293 ?

Fees & Charges

Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £15
Cashback £300

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 31-Jul-2019; then 2.00% of loan amount redeemed to be paid until 31-Jul-2020

Other info

Exit fees £245
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 1.72% and then on a variable rate, currently 4.49%, for the remaining 22 years and 10 months would require 26 payments of £820.71 and 274 payments of £1,085.61. The total amount payable would be £319,751 made up of the loan amount plus interest (£118,496) and fees (£1,255 which includes exit fees of £245). 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 01/02/2021 ?
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-Feb-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 1.92% then 3.99% (variable) ?
Monthly repayments £840 ?
Type/Duration Fixed  until 01/09/2023 ?
Scheme fees £1,199 ?
Cost comparison £54,955 ?

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 2.50% of loan amount redeemed to be paid until 30-Sep-2022; then 1.00% 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 64 months at 1.92% and then on a variable rate, currently 3.99%, for the remaining 19 years and 8 months would require 64 payments of £839.94 and 236 payments of £1,010.02. The total amount payable would be £293,320 made up of the loan amount plus interest (£92,121) 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 1.92% then 3.99% (variable) ?
Monthly repayments £840 ?
Type/Duration Fixed  until 01/09/2023 ?
Scheme fees £1,199 ?
Cost comparison £54,955 ?

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 2.50% of loan amount redeemed to be paid until 30-Sep-2022; then 1.10% 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 64 months at 1.92% and then on a variable rate, currently 3.99%, for the remaining 19 years and 8 months would require 64 payments of £839.94 and 236 payments of £1,010.02. The total amount payable would be £293,320 made up of the loan amount plus interest (£92,121) 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 1.94% then 3.99% (variable) ?
Monthly repayments £842 ?
Type/Duration Fixed  until 01/07/2023 ?
Scheme fees £1,377 ?
Cost comparison £53,224 ?

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-Jul-2019; then 4.00% of loan amount redeemed to be paid until 31-Jul-2020; then 3.00% of loan amount redeemed to be paid until 31-Jul-2021; then 2.00% of loan amount redeemed to be paid until 31-Jul-2022; then 1.00% of loan amount redeemed to be paid until 31-Jul-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 1.94% and then on a variable rate, currently 3.99%, for the remaining 19 years and 10 months would require 62 payments of £841.88 and 238 payments of £1,011.87. The total amount payable would be £294,049 made up of the loan amount plus interest (£92,672) 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 2.05% then 3.99% (variable) ?
Monthly repayments £853 ?
Type/Duration Fixed  until 01/09/2020 ?
Scheme fees £1,199 ?
Cost comparison £24,072 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £200
Other fees £0
Cashback £1,000

Flexibility

Max LTV 85%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 30-Sep-2019; then 1.10% of loan amount redeemed to be paid until 30-Sep-2020

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 28 months at 2.05% and then on a variable rate, currently 3.99%, for the remaining 22 years and 8 months would require 28 payments of £852.59 and 272 payments of £1,036.52. The total amount payable would be £306,005 made up of the loan amount plus interest (£104,806) and fees (£1,199 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 2.1% then 4.49% (variable) ?
Monthly repayments £857 ?
Type/Duration Fixed  until 01/07/2020 ?
Scheme fees £260 ?
Cost comparison £22,554 ?

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 31-Jul-2019; then 2.00% of loan amount redeemed to be paid until 31-Jul-2020

Other info

Exit fees £245
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 £321,053 made up of the loan amount plus interest (£120,793) and fees (£260 which includes exit fees of £245). 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 2.1% then 4.49% (variable) ?
Monthly repayments £857 ?
Type/Duration Fixed  until 01/07/2021 ?
Scheme fees £1,255 ?
Cost comparison £33,539 ?

Fees & Charges

Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £15
Cashback £300

Flexibility

Max LTV 85%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 31-Jul-2020; then 2.00% of loan amount redeemed to be paid until 31-Jul-2021

Other info

Exit fees £245
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 38 months at 2.1% and then on a variable rate, currently 4.49%, for the remaining 21 years and 10 months would require 38 payments of £857.48 and 262 payments of £1,079.59. The total amount payable would be £316,392 made up of the loan amount plus interest (£115,137) and fees (£1,255 which includes exit fees of £245). The overall cost for comparison is 4% 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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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.