Mortgage expertise, helping you compare 1000s of buy to let purchase deals

John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

90%

1057 Total reviews

4.82 Average rating

Reviews.co.uk

If you’re a professional landlord or just getting started in the buy to let market our comparison tool provides an indication of the best buy to let mortgage deals on the market. 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 762 mortgages that match your search

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Initial rate 1.75% then 4.99% (variable) ?
Monthly repayments £292 ?
Type/Duration Fixed  until 01/10/2020 ?
Scheme fees £2,350 ?
Cost comparison £9,433 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,995
Valuation fee £275
Other fees £30
Cashback £500

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.50% of loan amount redeemed to be paid until 01-Oct-2020

Other info

Exit fees £50
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 1.75% and then on a variable rate, currently 4.99%, for the remaining 22 years and 10 months would require 26 payments of £291.67 and 274 payments of £831.67. The total amount payable would be £237,311 made up of the interest (£234,961) and fees (£2,350 which includes exit fees of £50). The overall cost for comparison is 4.8% APRC representative.

More info

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

Initial rate 1.78% then 4.34% (variable) ?
Monthly repayments £297 ?
Type/Duration Fixed  until 01/09/2020 ?
Scheme fees £1,705 ?
Cost comparison £9,418 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £15
Cashback £0

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 1.78% and then on a variable rate, currently 4.34%, for the remaining 22 years and 10 months would require 26 payments of £296.67 and 274 payments of £723.33. The total amount payable would be £207,611 made up of the interest (£205,906) and fees (£1,705 which includes exit fees of £195). The overall cost for comparison is 4.5% APRC representative.

More info

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

Initial rate 1.79% then 4.84% (variable) ?
Monthly repayments £298 ?
Type/Duration Fixed  until 01/08/2020 ?
Scheme fees £2,304 ?
Cost comparison £9,512 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,995
Valuation fee £274
Other fees £35
Cashback £250

Flexibility

Max LTV 75%
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 £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 1.79% and then on a variable rate, currently 4.84%, for the remaining 22 years and 11 months would require 25 payments of £298.33 and 275 payments of £806.67. The total amount payable would be £231,347 made up of the interest (£229,043) and fees (£2,304 which includes exit fees of £0). The overall cost for comparison is 4.5% APRC representative.

More info

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

Initial rate 1.79% then 4.74% (variable) ?
Monthly repayments £298 ?
Type/Duration Fixed  until 01/10/2020 ?
Scheme fees £2,132 ?
Cost comparison £10,187 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,999
Valuation fee £0
Other fees £8
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 31-Oct-2019; then 1.00% of loan amount redeemed to be paid until 31-Oct-2020

Other info

Exit fees £125
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.79% and then on a variable rate, currently 4.74%, for the remaining 22 years and 9 months would require 27 payments of £298.33 and 273 payments of £790.00. The total amount payable would be £225,857 made up of the interest (£223,725) and fees (£2,132 which includes exit fees of £125). The overall cost for comparison is 4.5% APRC representative.

More info

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

Initial rate 1.79% then 4.99% (variable) ?
Monthly repayments £298 ?
Type/Duration Fixed  until 01/10/2020 ?
Scheme fees £2,350 ?
Cost comparison £9,607 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,995
Valuation fee £275
Other fees £30
Cashback £500

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.50% of loan amount redeemed to be paid until 01-Oct-2020

Other info

Exit fees £50
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 1.79% and then on a variable rate, currently 4.99%, for the remaining 22 years and 10 months would require 26 payments of £298.33 and 274 payments of £831.67. The total amount payable would be £237,484 made up of the interest (£235,134) and fees (£2,350 which includes exit fees of £50). The overall cost for comparison is 4.8% APRC representative.

More info

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

Initial rate 1.83% then 4.49% (variable) ?
Monthly repayments £305 ?
Type/Duration Fixed  until 01/09/2020 ?
Scheme fees £1,705 ?
Cost comparison £9,635 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £15
Cashback £0

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 1.83% and then on a variable rate, currently 4.49%, for the remaining 22 years and 10 months would require 26 payments of £305.00 and 274 payments of £748.33. The total amount payable would be £214,677 made up of the interest (£212,972) and fees (£1,705 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 1.83% then 4.96% (variable) ?
Monthly repayments £305 ?
Type/Duration Fixed  until 01/09/2020 ?
Scheme fees £1,205 ?
Cost comparison £9,135 ?

Fees & Charges

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

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 1.83% and then on a variable rate, currently 4.96%, for the remaining 22 years and 10 months would require 26 payments of £305.00 and 274 payments of £826.67. The total amount payable would be £235,643 made up of the interest (£234,438) and fees (£1,205 which includes exit fees of £195). The overall cost for comparison is 4.4% APRC representative.

More info

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

Initial rate 1.89% then 4.99% (variable) ?
Monthly repayments £315 ?
Type/Duration Fixed  until 01/11/2020 ?
Scheme fees £1,585 ?
Cost comparison £9,905 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £500

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.5% of loan amount redeemed to be paid until 30-Nov-2019; then 1.5% of loan amount redeemed to be paid until 30-Nov-2020

Other info

Exit fees £90
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 1.89% and then on a variable rate, currently 4.99%, for the remaining 22 years and 8 months would require 28 payments of £315.00 and 272 payments of £831.67. The total amount payable would be £225,619 made up of the interest (£224,034) and fees (£1,585 which includes exit fees of £90). The overall cost for comparison is 4.3% APRC representative.

More info

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

Initial rate 1.9% then 4.84% (variable) ?
Monthly repayments £317 ?
Type/Duration Fixed  until 01/09/2020 ?
Scheme fees £2,745 ?
Cost comparison £10,978 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,995
Valuation fee £455
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.00% of loan amount redeemed to be paid until 30-Sep-2019; then 1.00% of loan amount redeemed to be paid until 30-Sep-2020

Other info

Exit fees £295
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 1.9% and then on a variable rate, currently 4.84%, for the remaining 22 years and 10 months would require 26 payments of £316.67 and 274 payments of £806.67. The total amount payable would be £232,006 made up of the interest (£229,261) and fees (£2,745 which includes exit fees of £295). 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 1.91% then 4.99% (variable) ?
Monthly repayments £318 ?
Type/Duration Fixed  until 01/10/2020 ?
Scheme fees £2,330 ?
Cost comparison £10,925 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,950
Valuation fee £265
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-Oct-2020

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 27 months at 1.91% and then on a variable rate, currently 4.99%, for the remaining 22 years and 9 months would require 27 payments of £318.33 and 273 payments of £831.67. The total amount payable would be £237,971 made up of the interest (£235,641) and fees (£2,330 which includes exit fees of £80). The overall cost for comparison is 4.6% 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

Many of the buy to let 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, including deals that aren’t available on the high street.

When looking to invest in the property market with a buy to let 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 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. Regardless of whether you’re investing in the property market for the first time or a professional landlord we can help save you time, effort and money.

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