The original independent mortgage broker, helping you compare the best cashback mortgage deals on the market

Our comparison tool provides an indication of the best cashback mortgage deals currently 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 122 mortgages that match your search

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Initial rate 1.44% then 4.74% (variable) ?
Monthly repayments £794 ?
Type/Duration Fixed  until 01/06/2020 ?
Scheme fees £1,159 ?
Cost comparison £21,560 ?

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 30-Jun-2019; then 1.00% of loan amount redeemed to be paid until 30-Jun-2020

Other info

Exit fees £160
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 1.44% and then on a variable rate, currently 4.74%, for the remaining 22 years and 10 months would require 26 payments of £794.25 and 274 payments of £1,108.64. The total amount payable would be £325,327 made up of the loan amount plus interest (£124,168) and fees (£1,159 which includes exit fees of £160). 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 1.49% then 3.99% (variable) ?
Monthly repayments £799 ?
Type/Duration Fixed  until 21/04/2020 ?
Scheme fees £1,084 ?
Cost comparison £20,158 ?

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 1.49% and then on a variable rate, currently 3.99%, for the remaining 23 years would require 24 payments of £798.93 and 276 payments of £1,034.13. The total amount payable would be £305,578 made up of the loan amount plus interest (£104,494) and fees (£1,084 which includes exit fees of £65). 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 1.49% then 3.99% (variable) ?
Monthly repayments £799 ?
Type/Duration Fixed  until 21/04/2020 ?
Scheme fees £1,084 ?
Cost comparison £19,758 ?

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 1.49% and then on a variable rate, currently 3.99%, for the remaining 23 years would require 24 payments of £798.93 and 276 payments of £1,034.13. The total amount payable would be £305,178 made up of the loan amount plus interest (£104,094) and fees (£1,084 which includes exit fees of £65). 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 1.52% then 4.79% (variable) ?
Monthly repayments £802 ?
Type/Duration Fixed  until 01/07/2020 ?
Scheme fees £1,350 ?
Cost comparison £21,896 ?

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-Jul-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 1.52% and then on a variable rate, currently 4.79%, for the remaining 22 years and 10 months would require 26 payments of £801.75 and 274 payments of £1,114.72. The total amount payable would be £327,329 made up of the loan amount plus interest (£125,979) and fees (£1,350 which includes exit fees of £50). 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 1.54% then 3.75% (variable) ?
Monthly repayments £804 ?
Type/Duration Fixed  until 01/01/2021 ?
Scheme fees £1,259 ?
Cost comparison £26,725 ?

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 32 months at 1.54% and then on a variable rate, currently 3.75%, for the remaining 22 years and 4 months would require 32 payments of £803.64 and 268 payments of £1,004.51. The total amount payable would be £295,934 made up of the loan amount plus interest (£94,675) and fees (£1,259 which includes exit fees of £225). The overall cost for comparison is 3.4% APRC representative.

More info

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

Initial rate 1.59% then 3.75% (variable) ?
Monthly repayments £808 ?
Type/Duration Fixed  until 01/07/2020 ?
Scheme fees £1,259 ?
Cost comparison £22,026 ?

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-Jul-2020

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 1.59% and then on a variable rate, currently 3.75%, for the remaining 22 years and 10 months would require 26 payments of £808.36 and 274 payments of £1,009.45. The total amount payable would be £298,616 made up of the loan amount plus interest (£97,357) 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 1.59% then 3.75% (variable) ?
Monthly repayments £808 ?
Type/Duration Fixed  until 01/07/2020 ?
Scheme fees £1,259 ?
Cost comparison £22,026 ?

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-Jul-2020

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 1.59% and then on a variable rate, currently 3.75%, for the remaining 22 years and 10 months would require 26 payments of £808.36 and 274 payments of £1,009.45. The total amount payable would be £298,616 made up of the loan amount plus interest (£97,357) 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 1.67% then 4.99% (variable) ?
Monthly repayments £816 ?
Type/Duration Fixed  until 01/07/2020 ?
Scheme fees £615 ?
Cost comparison £22,396 ?

Fees & Charges

Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £30
Cashback £250

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.50% of loan amount redeemed to be paid until 31-Jul-2019; then 1.5% of loan amount redeemed to be paid until 31-Jul-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 27 months at 1.67% and then on a variable rate, currently 4.99%, for the remaining 22 years and 9 months would require 27 payments of £815.95 and 273 payments of £1,136.17. The total amount payable would be £332,570 made up of the loan amount plus interest (£131,955) and fees (£615 which includes exit fees of £90). 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 1.69% then 4.74% (variable) ?
Monthly repayments £818 ?
Type/Duration Fixed  until 01/06/2020 ?
Scheme fees £459 ?
Cost comparison £21,473 ?

Fees & Charges

Booking fee £0
Arrangement fee £299
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 30-Jun-2019; then 1.00% of loan amount redeemed to be paid until 30-Jun-2020

Other info

Exit fees £160
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 1.69% and then on a variable rate, currently 4.74%, for the remaining 22 years and 10 months would require 26 payments of £817.85 and 274 payments of £1,111.27. The total amount payable would be £325,961 made up of the loan amount plus interest (£125,502) and fees (£459 which includes exit fees of £160). 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 1.74% then 4.74% (variable) ?
Monthly repayments £823 ?
Type/Duration Fixed  until 01/06/2021 ?
Scheme fees £1,659 ?
Cost comparison £32,669 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £0
Cashback £250

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 30-Jun-2019; then 2.00% of loan amount redeemed to be paid until 30-Jun-2020; then 1.00% of loan amount redeemed to be paid until 30-Jun-2021

Other info

Exit fees £160
Basic legals £0

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 38 months at 1.74% and then on a variable rate, currently 4.74%, for the remaining 21 years and 10 months would require 38 payments of £822.62 and 262 payments of £1,099.16. The total amount payable would be £320,648 made up of the loan amount plus interest (£118,989) and fees (£1,659 which includes exit fees of £160). The overall cost for comparison is 4.1% APRC representative.

More info

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

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When choosing the right offset mortgage deal, expertise counts

Many of the cashback mortgage deals highlighted by our comparison tool will only be available through independent brokers like John Charcol. When you’ve found a deal that you think is right 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 arranging a mortgage it's important to remember that the best deals aren’t necessarily about the lowest mortgage rate or the amount of cashback you receive. 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 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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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.