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 203 cashback mortgage deals that match your search

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Product code 004TAI
Initial rate 1.54% then 4% (variable) ?
Monthly repayments £804 ?
Type/Duration Fixed  until 01/01/2021 ?
Scheme fees £1,259 ?
Cost comparison £21,904 ?

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-Jan-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 26 months at 1.54% and then on a variable rate, currently 4%, for the remaining 22 years and 10 months would require 26 payments of £803.64 and 274 payments of £1,033.92. The total amount payable would be £305,198 made up of the loan amount plus interest (£103,939) and fees (£1,259 which includes exit fees of £225). The overall cost for comparison is 3.7% APRC representative.

More info

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

Product code 004PL4
Initial rate 1.59% then 4.99% (variable) ?
Monthly repayments £808 ?
Type/Duration Fixed  until 01/12/2020 ?
Scheme fees £1,073 ?
Cost comparison £21,840 ?

Fees & Charges

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

Flexibility

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

Other info

Exit fees £74
Basic legals £0

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 26 months at 1.59% and then on a variable rate, currently 4.99%, for the remaining 22 years and 10 months would require 26 payments of £808.36 and 274 payments of £1,136.49. The total amount payable would be £333,239 made up of the loan amount plus interest (£132,166) and fees (£1,073 which includes exit fees of £74). The overall cost for comparison is 4.5% APRC representative.

More info

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

Product code 833
Initial rate 1.59% then 4.24% (variable) ?
Monthly repayments £808 ?
Type/Duration Fixed  until 16/10/2020 ?
Scheme fees £1,084 ?
Cost comparison £20,385 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £20
Cashback £100

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year

Other info

Exit fees £65
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 1.59% and then on a variable rate, currently 4.24%, for the remaining 23 years would require 24 payments of £808.36 and 276 payments of £1,060.50. The total amount payable would be £313,083 made up of the loan amount plus interest (£111,999) and fees (£1,084 which includes exit fees of £65). The overall cost for comparison is 3.9% APRC representative.

More info

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

Product code Q93
Initial rate 1.59% then 4.24% (variable) ?
Monthly repayments £808 ?
Type/Duration Fixed  until 16/10/2020 ?
Scheme fees £1,084 ?
Cost comparison £19,985 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £20
Cashback £500

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid within 1 year; then 1.00% of loan amount redeemed to be paid for next 1 year

Other info

Exit fees £65
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 1.59% and then on a variable rate, currently 4.24%, for the remaining 23 years would require 24 payments of £808.36 and 276 payments of £1,060.50. The total amount payable would be £312,683 made up of the loan amount plus interest (£111,599) and fees (£1,084 which includes exit fees of £65). The overall cost for comparison is 3.9% APRC representative.

More info

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

Product code 004GYU
Initial rate 1.63% then 4.24% (variable) ?
Monthly repayments £812 ?
Type/Duration Fixed  until 01/12/2020 ?
Scheme fees £1,377 ?
Cost comparison £22,143 ?

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 2.00% of loan amount redeemed to be paid until 31-Dec-2019; then 1.00% of loan amount redeemed to be paid until 31-Dec-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 26 months at 1.63% and then on a variable rate, currently 4.24%, for the remaining 22 years and 10 months would require 26 payments of £812.15 and 274 payments of £1,059.08. The total amount payable would be £312,331 made up of the loan amount plus interest (£110,954) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 4% APRC representative.

More info

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

Product code 004LQW
Initial rate 1.72% then 4.74% (variable) ?
Monthly repayments £821 ?
Type/Duration Fixed  until 01/11/2020 ?
Scheme fees £1,205 ?
Cost comparison £21,423 ?

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 30-Nov-2019; then 2.00% of loan amount redeemed to be paid until 30-Nov-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 25 months at 1.72% and then on a variable rate, currently 4.74%, for the remaining 22 years and 11 months would require 25 payments of £820.71 and 275 payments of £1,112.65. The total amount payable would be £327,402 made up of the loan amount plus interest (£126,197) 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

Product code 003RSY
Initial rate 1.73% then 4.99% (variable) ?
Monthly repayments £822 ?
Type/Duration Fixed  until 01/01/2021 ?
Scheme fees £1,350 ?
Cost comparison £22,413 ?

Fees & Charges

Booking fee £0
Arrangement fee £995
Valuation fee £275
Other fees £30
Cashback £300

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.50% of loan amount redeemed to be paid until 01-Jan-2021

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 1.73% and then on a variable rate, currently 4.99%, for the remaining 22 years and 10 months would require 26 payments of £821.67 and 274 payments of £1,137.99. The total amount payable would be £334,223 made up of the loan amount plus interest (£132,873) and fees (£1,350 which includes exit fees of £50). The overall cost for comparison is 4.4% APRC representative.

More info

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

Product code 002H6X
Initial rate 1.74% then 4% (variable) ?
Monthly repayments £823 ?
Type/Duration Fixed  until 01/01/2021 ?
Scheme fees £1,259 ?
Cost comparison £22,397 ?

Fees & Charges

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

Flexibility

Max LTV 85%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 02-Jan-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 26 months at 1.74% and then on a variable rate, currently 4%, for the remaining 22 years and 10 months would require 26 payments of £822.62 and 274 payments of £1,035.86. The total amount payable would be £306,223 made up of the loan amount plus interest (£104,964) and fees (£1,259 which includes exit fees of £225). The overall cost for comparison is 3.7% APRC representative.

More info

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

Product code MPU
Initial rate 1.74% then 4% (variable) ?
Monthly repayments £823 ?
Type/Duration Fixed  until 01/01/2021 ?
Scheme fees £1,259 ?
Cost comparison £22,397 ?

Fees & Charges

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

Flexibility

Max LTV 85%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 02-Jan-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 26 months at 1.74% and then on a variable rate, currently 4%, for the remaining 22 years and 10 months would require 26 payments of £822.62 and 274 payments of £1,035.86. The total amount payable would be £306,223 made up of the loan amount plus interest (£104,964) and fees (£1,259 which includes exit fees of £225). The overall cost for comparison is 3.7% APRC representative.

More info

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

Product code QMF
Initial rate 1.74% then 4% (variable) ?
Monthly repayments £823 ?
Type/Duration Fixed  until 01/07/2021 ?
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-Jul-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 4%, for the remaining 22 years and 4 months would require 32 payments of £822.62 and 268 payments of £1,031.28. The total amount payable would be £303,716 made up of the loan amount plus interest (£102,457) and fees (£1,259 which includes exit fees of £225). The overall cost for comparison is 3.6% APRC representative.

More info

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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