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. 

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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Compare the best cashback mortgages

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We've found 196 cashback mortgage deals that match your search

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Scheme ID 18126
Initial rate ? 1.31% then 4.24% (variable)
Monthly repayments ? £ 1,173
Type/Duration ? Fixed  until 01/06/2024
Scheme fees ? £1,300
Cost comparison ? £29,157

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £300

Flexibility

Max LTV 65%
Overpayments allowed? Yes
Early Repayment charges £50, plus (1.5% until 01-06-24)

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 4 months at 1.31%, then moving onto variable rate for 4 years and 8 months at 4.49%, and then on a variable rate for 18 years at 4.24%. This would require 28 payments of £1,173.21, followed by 56 payments of £1,618.72, and 216 payments of £1,587.27. The total amount payable would be £467,399 made up of the loan amount plus interest (£166,099) and fees (£1,350 which includes exit fees of £50). The overall cost for comparison is 3.83% APRC representative.

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Scheme ID 18127
Initial rate ? 1.31% then 4.24% (variable)
Monthly repayments ? £ 1,173
Type/Duration ? Fixed  until 01/06/2024
Scheme fees ? £1,300
Cost comparison ? £29,157

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £300

Flexibility

Max LTV 65%
Overpayments allowed? Yes
Early Repayment charges £50, plus (1.5% until 01-06-24)

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 4 months at 1.31%, then moving onto variable rate for 4 years and 8 months at 4.49%, and then on a variable rate for 18 years at 4.24%. This would require 28 payments of £1,173.21, followed by 56 payments of £1,618.72, and 216 payments of £1,587.27. The total amount payable would be £467,399 made up of the loan amount plus interest (£166,099) and fees (£1,350 which includes exit fees of £50). The overall cost for comparison is 3.83% APRC representative.

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Scheme ID 10406
Initial rate ? 1.33% then 3.74% (variable)
Monthly repayments ? £ 1,176
Type/Duration ? Fixed  until 30/04/2024
Scheme fees ? £1,025
Cost comparison ? £28,999

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 1.5% until 30-04-23, 0.75% until 30-04-24

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 3 months at 1.33%, and then on a variable rate for 22 years and 9 months at 3.74%. This would require 27 payments of £1,176.00 and 273 payments of £1,507.71. The total amount payable would be £444,132 made up of the loan amount plus interest (£143,107) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.35% APRC representative.

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Scheme ID 10403
Initial rate ? 1.33% then 3.74% (variable)
Monthly repayments ? £ 1,176
Type/Duration ? Fixed  until 30/04/2024
Scheme fees ? £1,025
Cost comparison ? £28,999

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 1.5% until 30-04-23, 0.75% until 30-04-24

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 3 months at 1.33%, and then on a variable rate for 22 years and 9 months at 3.74%. This would require 27 payments of £1,176.00 and 273 payments of £1,507.71. The total amount payable would be £444,132 made up of the loan amount plus interest (£143,107) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.35% APRC representative.

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Scheme ID 5228
Initial rate ? 1.34% then 3.74% (variable)
Monthly repayments ? £ 1,177
Type/Duration ? Fixed  until 30/04/2024
Scheme fees ? £1,025
Cost comparison ? £29,032

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 1.5% until 30-04-23, 0.75% until 30-04-24

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 3 months at 1.34%, and then on a variable rate for 22 years and 9 months at 3.74%. This would require 27 payments of £1,177.39 and 273 payments of £1,507.86. The total amount payable would be £444,210 made up of the loan amount plus interest (£143,185) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.36% APRC representative.

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Scheme ID 15956
Initial rate ? 1.36% then 4.24% (variable)
Monthly repayments ? £ 1,180
Type/Duration ? Fixed  until 01/06/2024
Scheme fees ? £1,300
Cost comparison ? £29,324

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £300

Flexibility

Max LTV 65%
Overpayments allowed? Yes
Early Repayment charges £50, plus (1.5% until 01-06-24)

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 4 months at 1.36%, then moving onto variable rate for 4 years and 8 months at 4.49%, and then on a variable rate for 18 years at 4.24%. This would require 28 payments of £1,180.18, followed by 56 payments of £1,619.56, and 216 payments of £1,588.09. The total amount payable would be £467,818 made up of the loan amount plus interest (£166,518) and fees (£1,350 which includes exit fees of £50). The overall cost for comparison is 3.84% APRC representative.

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Scheme ID 16021
Initial rate ? 1.36% then 4.24% (variable)
Monthly repayments ? £ 1,180
Type/Duration ? Fixed  until 01/06/2024
Scheme fees ? £1,300
Cost comparison ? £29,324

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £300

Flexibility

Max LTV 65%
Overpayments allowed? Yes
Early Repayment charges £50, plus (1.5% until 01-06-24)

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 4 months at 1.36%, then moving onto variable rate for 4 years and 8 months at 4.49%, and then on a variable rate for 18 years at 4.24%. This would require 28 payments of £1,180.18, followed by 56 payments of £1,619.56, and 216 payments of £1,588.09. The total amount payable would be £467,818 made up of the loan amount plus interest (£166,518) and fees (£1,350 which includes exit fees of £50). The overall cost for comparison is 3.84% APRC representative.

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Scheme ID 23955
Initial rate ? 1.39% then 4.24% (variable)
Monthly repayments ? £ 1,184
Type/Duration ? Fixed  until 01/06/2024
Scheme fees ? £1,300
Cost comparison ? £29,425

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £300

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges £50, plus (1.5% until 01-06-24)

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 4 months at 1.39%, then moving onto variable rate for 4 years and 8 months at 4.49%, and then on a variable rate for 18 years at 4.24%. This would require 28 payments of £1,184.37, followed by 56 payments of £1,620.07, and 216 payments of £1,588.59. The total amount payable would be £468,072 made up of the loan amount plus interest (£166,772) and fees (£1,350 which includes exit fees of £50). The overall cost for comparison is 3.85% APRC representative.

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Scheme ID 31264
Initial rate ? 1.39% then 5.29% (variable)
Monthly repayments ? £ 1,184
Type/Duration ? Fixed  until 01/01/0001
Scheme fees ? £1,019
Cost comparison ? £29,196

Fees & Charges

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

Flexibility

Max LTV 80%
Overpayments allowed? Yes
Early Repayment charges £120, plus (3% in year 1, 2% in year 2)

Other info

Exit fees £120
Basic legals £0

Representative example: A mortgage of £300,000 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 for 23 years at 5.29%. This would require 24 payments of £1,184.45 and 276 payments of £1,753.70. The total amount payable would be £513,317 made up of the loan amount plus interest (£212,298) and fees (£1,139 which includes exit fees of £120). The overall cost for comparison is 4.71% APRC representative.

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Scheme ID 23954
Initial rate ? 1.39% then 4.24% (variable)
Monthly repayments ? £ 1,184
Type/Duration ? Fixed  until 01/06/2024
Scheme fees ? £1,300
Cost comparison ? £29,425

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £300

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges £50, plus (1.5% until 01-06-24)

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 4 months at 1.39%, then moving onto variable rate for 4 years and 8 months at 4.49%, and then on a variable rate for 18 years at 4.24%. This would require 28 payments of £1,184.37, followed by 56 payments of £1,620.07, and 216 payments of £1,588.59. The total amount payable would be £468,072 made up of the loan amount plus interest (£166,772) and fees (£1,350 which includes exit fees of £50). The overall cost for comparison is 3.85% APRC representative.

0330 433 2927

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