Compare the best cashback mortgages

A cashback mortgage lets you claim back a lump sum when you successfully apply for a mortgage. Our free comparison tool lets you compare the best cashback mortgage offers, so you can find the right deal for you. 

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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 233 cashback mortgage deals that match your search

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Scheme ID 10386
Initial rate 1.21% then 4.24% (variable) ?
Monthly repayments £ 1,010 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £25,358 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 2% until 31-01-21, 1% until 31-01-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.21%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,009.61 and 274 payments of £1,377.85. The total amount payable would be £404,908 made up of the loan amount plus interest (£142,281) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.78% APRC representative.

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

Scheme ID 13516
Initial rate 1.21% then 4% (variable) ?
Monthly repayments £ 1,010 ?
Type/Duration Variable ?
Scheme fees £1,034 ?
Cost comparison £25,015 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges £250, plus 3% until 02-12-21, 3% until 02-02-22, plus Benefit repayable until 2-12-2021

Other info

Exit fees £225
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.21%, and then on a tracker rate for 22 years and 10 months at 4%. This would require 26 payments of £1,009.61 and 274 payments of £1,346.26. The total amount payable would be £396,134 made up of the loan amount plus interest (£133,850) and fees (£1,259 which includes exit fees of £225). The overall cost for comparison is 3.57% APRC representative.

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

Scheme ID 13750
Initial rate 1.23% then 4.24% (variable) ?
Monthly repayments £ 1,012 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £25,415 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 70%
Overpayments allowed? Yes
Early Repayment charges 2% until 31-01-21, 1% until 31-01-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.23%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,012.02 and 274 payments of £1,378.12. The total amount payable would be £405,044 made up of the loan amount plus interest (£142,417) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.78% APRC representative.

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

Scheme ID 21167
Initial rate 1.24% then 4.24% (variable) ?
Monthly repayments £ 1,013 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £25,444 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 1% until 31-01-21, 0.5% until 31-01-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years and 2 months at 1.24%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,013.22 and 274 payments of £1,378.26. The total amount payable would be £405,114 made up of the loan amount plus interest (£142,487) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.78% APRC representative.

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

Scheme ID 13463
Initial rate 1.24% then 4.99% (variable) ?
Monthly repayments £ 1,013 ?
Type/Duration Variable ?
Scheme fees £999 ?
Cost comparison £25,066 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges £250, plus (2% until 31-01-21, 1% until 31-01-22)

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.24%, and then on a variable rate for 22 years and 10 months at 4.99%. This would require 26 payments of £1,013.22 and 274 payments of £1,479.56. The total amount payable would be £432,542 made up of the loan amount plus interest (£170,293) and fees (£1,049 which includes exit fees of £50). The overall cost for comparison is 4.38% APRC representative.

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

Scheme ID 14375
Initial rate 1.25% then 4.24% (variable) ?
Monthly repayments £ 1,014 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £25,473 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2% until 31-01-21, 1% until 31-01-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.25%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,014.43 and 274 payments of £1,378.39. The total amount payable would be £405,181 made up of the loan amount plus interest (£142,554) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.78% APRC representative.

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

Scheme ID 21178
Initial rate 1.32% then 4.24% (variable) ?
Monthly repayments £ 1,023 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £25,676 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 70%
Overpayments allowed? Yes
Early Repayment charges 1% until 31-01-21, 0.5% until 31-01-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years and 2 months at 1.3199999999999998%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,022.88 and 274 payments of £1,379.33. The total amount payable would be £405,658 made up of the loan amount plus interest (£143,031) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.80% APRC representative.

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

Scheme ID 21192
Initial rate 1.32% then 4.24% (variable) ?
Monthly repayments £ 1,023 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £25,676 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1% until 31-01-21, 0.5% until 31-01-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years and 2 months at 1.3199999999999998%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,022.88 and 274 payments of £1,379.33. The total amount payable would be £405,658 made up of the loan amount plus interest (£143,031) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.80% APRC representative.

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

Scheme ID 13435
Initial rate 1.34% then 4.99% (variable) ?
Monthly repayments £ 1,025 ?
Type/Duration Variable ?
Scheme fees £999 ?
Cost comparison £25,356 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 70%
Overpayments allowed? Yes
Early Repayment charges £250, plus (2% until 31-01-21, 1% until 31-01-22)

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.34%, and then on a variable rate for 22 years and 10 months at 4.99%. This would require 26 payments of £1,025.31 and 274 payments of £1,481.00. The total amount payable would be £433,251 made up of the loan amount plus interest (£171,002) and fees (£1,049 which includes exit fees of £50). The overall cost for comparison is 4.40% APRC representative.

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

Scheme ID 13430
Initial rate 1.34% then 4.99% (variable) ?
Monthly repayments £ 1,025 ?
Type/Duration Variable ?
Scheme fees £999 ?
Cost comparison £25,356 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges £250, plus (2% until 31-01-21, 1% until 31-01-22)

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.34%, and then on a variable rate for 22 years and 10 months at 4.99%. This would require 26 payments of £1,025.31 and 274 payments of £1,481.00. The total amount payable would be £433,251 made up of the loan amount plus interest (£171,002) and fees (£1,049 which includes exit fees of £50). The overall cost for comparison is 4.40% APRC representative.

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

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When choosing the best cashback mortgage offer, expertise counts

Use this tool to find a lucrative cashback mortgage offer that is exclusive to an independent broker like John Charcol.

Once you have found a cashback mortgage deal that suits your needs, call our experts to find out if you qualify. Our mortgage experts at John Charcol can help you save time by managing your mortgage application from start to finish. 

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