Mortgage expertise, helping you compare 1000s of first time buyer mortgage deals

John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

90%

1054 Total reviews

4.82 Average rating

Reviews.co.uk

Our comparison tool provides an indication of the best first time buyer 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 162 mortgages that match your search

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Initial rate 2.55% then 2.99% (variable) ?
Monthly repayments £1,179 ?
Type/Duration Fixed  until 01/10/2021 ?
Scheme fees £115 ?
Cost comparison £46,080 ?

Fees & Charges

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

Flexibility

Max LTV 95%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 31-Oct-2021

Other info

Exit fees £80
Basic legals Payable

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 39 months at 2.55% and then on a variable rate, currently 2.99%, for the remaining 21 years and 9 months would require 39 payments of £1,178.60 and 261 payments of £1,230.59. The total amount payable would be £367,264 made up of the loan amount plus interest (£105,899) and fees (£115 which includes exit fees of £80). The overall cost for comparison is 2.9% APRC representative.

More info

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

Initial rate 2.89% then 5.49% (variable) ?
Monthly repayments £1,224 ?
Type/Duration Fixed  until 01/09/2020 ?
Scheme fees £1,139 ?
Cost comparison £31,739 ?

Fees & Charges

Booking fee £199
Arrangement fee £800
Valuation fee £0
Other fees £0
Cashback £0

Flexibility

Max LTV 95%
Overpayments allowed? Yes
Early Repayment charges 6 months interest until 01-Sep-2020

Other info

Exit fees £140
Basic legals Payable

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 25 months at 2.89% and then on a variable rate, currently 5.49%, for the remaining 22 years and 11 months would require 25 payments of £1,223.98 and 275 payments of £1,573.69. The total amount payable would be £464,503 made up of the loan amount plus interest (£202,114) and fees (£1,139 which includes exit fees of £140). The overall cost for comparison is 5.2% APRC representative.

More info

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

Initial rate 2.89% then 4.79% (variable) ?
Monthly repayments £1,224 ?
Type/Duration Fixed  until 01/08/2021 ?
Scheme fees £904 ?
Cost comparison £45,941 ?

Fees & Charges

Booking fee £175
Arrangement fee £599
Valuation fee £0
Other fees £30
Cashback £250

Flexibility

Max LTV 95%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 31-Aug-2019; then 2.00% of loan amount redeemed to be paid until 31-Aug-2020; then 1.00% of loan amount redeemed to be paid until 31-Aug-2021

Other info

Exit fees £100
Basic legals Payable

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 37 months at 2.89% and then on a variable rate, currently 4.79%, for the remaining 21 years and 11 months would require 37 payments of £1,223.98 and 263 payments of £1,464.83. The total amount payable would be £431,192 made up of the loan amount plus interest (£169,038) and fees (£904 which includes exit fees of £100). 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 2.89% then 5.95% (variable) ?
Monthly repayments £1,224 ?
Type/Duration Fixed  until 01/10/2020 ?
Scheme fees £1,780 ?
Cost comparison £34,828 ?

Fees & Charges

Booking fee £299
Arrangement fee £1,306
Valuation fee £0
Other fees £25
Cashback £0

Flexibility

Max LTV 95%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 31-Oct-2019; then 2.00% of loan amount redeemed to be paid until 31-Oct-2020

Other info

Exit fees £150
Basic legals Payable

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 2.89% and then on a variable rate, currently 5.95%, for the remaining 22 years and 9 months would require 27 payments of £1,223.98 and 273 payments of £1,637.61. The total amount payable would be £481,895 made up of the loan amount plus interest (£218,865) and fees (£1,780 which includes exit fees of £150). The overall cost for comparison is 5.6% APRC representative.

More info

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

Initial rate 2.89% then 5.49% (variable) ?
Monthly repayments £1,224 ?
Type/Duration Fixed  until 17/07/2020 ?
Scheme fees £730 ?
Cost comparison £30,106 ?

Fees & Charges

Booking fee £295
Arrangement fee £0
Valuation fee £220
Other fees £30
Cashback £0

Flexibility

Max LTV 95%
Overpayments allowed? Yes
Early Repayment charges 3% of loan amount redeemed to be paid within 2 years

Other info

Exit fees £185
Basic legals Payable

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 2.89% and then on a variable rate, currently 5.49%, for the remaining 23 years would require 24 payments of £1,223.98 and 276 payments of £1,574.87. The total amount payable would be £464,770 made up of the loan amount plus interest (£202,790) and fees (£730 which includes exit fees of £185). The overall cost for comparison is 5.2% APRC representative.

More info

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

Initial rate 2.89% then 5.49% (variable) ?
Monthly repayments £1,224 ?
Type/Duration Fixed  until 17/07/2020 ?
Scheme fees £730 ?
Cost comparison £29,886 ?

Fees & Charges

Booking fee £295
Arrangement fee £0
Valuation fee £220
Other fees £30
Cashback £220

Flexibility

Max LTV 95%
Overpayments allowed? Yes
Early Repayment charges 3% of loan amount redeemed to be paid within 2 years

Other info

Exit fees £185
Basic legals Payable

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 24 months at 2.89% and then on a variable rate, currently 5.49%, for the remaining 23 years would require 24 payments of £1,223.98 and 276 payments of £1,574.87. The total amount payable would be £464,550 made up of the loan amount plus interest (£202,570) and fees (£730 which includes exit fees of £185). The overall cost for comparison is 5.2% APRC representative.

More info

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

Initial rate 2.99% then 4.79% (variable) ?
Monthly repayments £1,238 ?
Type/Duration Fixed  until 01/08/2023 ?
Scheme fees £904 ?
Cost comparison £76,143 ?

Fees & Charges

Booking fee £175
Arrangement fee £599
Valuation fee £0
Other fees £30
Cashback £250

Flexibility

Max LTV 95%
Overpayments allowed? Yes
Early Repayment charges 5.00% of loan amount redeemed to be paid until 31-Aug-2019; then 4.00% of loan amount redeemed to be paid until 31-Aug-2020; then 3.00% of loan amount redeemed to be paid until 31-Aug-2021; then 2.00% of loan amount redeemed to be paid until 31-Aug-2022; then 1.00% of loan amount redeemed to be paid until 31-Aug-2023

Other info

Exit fees £100
Basic legals Payable

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 61 months at 2.99% and then on a variable rate, currently 4.79%, for the remaining 19 years and 11 months would require 61 payments of £1,237.52 and 239 payments of £1,447.35. The total amount payable would be £422,059 made up of the loan amount plus interest (£159,905) and fees (£904 which includes exit fees of £100). The overall cost for comparison is 4.2% APRC representative.

More info

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

Initial rate 2.99% then 4.74% (variable) ?
Monthly repayments £1,238 ?
Type/Duration Fixed  until 01/08/2020 ?
Scheme fees £566 ?
Cost comparison £31,504 ?

Fees & Charges

Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £6
Cashback £0

Flexibility

Max LTV 95%
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 £65
Basic legals Payable

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 25 months at 2.99% and then on a variable rate, currently 4.74%, for the remaining 22 years and 11 months would require 25 payments of £1,237.52 and 275 payments of £1,469.10. The total amount payable would be £435,507 made up of the loan amount plus interest (£173,691) and fees (£566 which includes exit fees of £65). 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 3.09% then 3.75% (variable) ?
Monthly repayments £1,251 ?
Type/Duration Fixed  until 01/09/2020 ?
Scheme fees £290 ?
Cost comparison £32,820 ?

Fees & Charges

Booking fee £0
Arrangement fee £0
Valuation fee £280
Other fees £10
Cashback £0

Flexibility

Max LTV 95%
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 £0
Basic legals Payable

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 26 months at 3.09% and then on a variable rate, currently 3.75%, for the remaining 22 years and 10 months would require 26 payments of £1,251.14 and 274 payments of £1,336.16. The total amount payable would be £398,927 made up of the loan amount plus interest (£137,387) and fees (£290 which includes exit fees of £0). The overall cost for comparison is 3.71% APRC representative.

More info

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

Initial rate 3.14% then 3.75% (variable) ?
Monthly repayments £1,258 ?
Type/Duration Fixed  until 01/09/2021 ?
Scheme fees £290 ?
Cost comparison £48,093 ?

Fees & Charges

Booking fee £0
Arrangement fee £0
Valuation fee £280
Other fees £10
Cashback £0

Flexibility

Max LTV 95%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 30-Sep-2020; then 2.00% of loan amount redeemed to be paid until 30-Sep-2021

Other info

Exit fees £0
Basic legals Payable

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 38 months at 3.14% and then on a variable rate, currently 3.75%, for the remaining 21 years and 10 months would require 38 payments of £1,257.98 and 262 payments of £1,333.67. The total amount payable would be £397,515 made up of the loan amount plus interest (£135,975) and fees (£290 which includes exit fees of £0). The overall cost for comparison is 3.65% 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 mortgage 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 help by talking you through the process of applying for a mortgage and scouring the market and 1000’s of mortgage products, including deals that aren’t available on the high street, to get you the first deal to help you get onto the property ladder.

When arranging a mortgage for the first time 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 property and the amount of any early repayment charges. Regardless of your knowledge of the property market and mortgages our experts are on hand to offer advice and help you save time, effort and money.

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