Mortgage expertise, helping you compare the best offset mortgage deals on the market

John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

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973 Total reviews

4.82 Average rating

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Looking to offset your savings against your mortgage to reduce the amount of interest you pay? Our comparison tool provides an indication of the best offset mortgage deals currently on the market. Once you found a mortgage our experts are here to help by conducting a more detailed, personalised search checking if you qualify or if there is a better deal available. When you choose John Charcol our experts can help you save time and money and will even 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 17 mortgages that match your search

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Initial rate 1.79% then 3.99% (variable) ?
Monthly repayments £827 ?
Type/Duration Fixed  until 01/05/2020 ?
Scheme fees £2,049 ?
Cost comparison £22,734 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,499
Valuation fee £330
Other fees £25
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid within 1 year; then 0.70% of loan amount redeemed to be paid until 31-May-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 1.79% and then on a variable rate, currently 3.99%, for the remaining 22 years and 11 months would require 25 payments of £827.41 and 275 payments of £1,036.08. The total amount payable would be £307,656 made up of the loan amount plus interest (£105,607) and fees (£2,049 which includes exit fees of £195). 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 1.89% then 3.99% (variable) ?
Monthly repayments £837 ?
Type/Duration Fixed  until 01/05/2020 ?
Scheme fees £2,049 ?
Cost comparison £22,975 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,499
Valuation fee £330
Other fees £25
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid within 1 year; then 0.70% of loan amount redeemed to be paid until 31-May-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 1.89% and then on a variable rate, currently 3.99%, for the remaining 22 years and 11 months would require 25 payments of £837.04 and 275 payments of £1,037.00. The total amount payable would be £308,150 made up of the loan amount plus interest (£106,101) and fees (£2,049 which includes exit fees of £195). 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 1.89% then 3.99% (variable) ?
Monthly repayments £837 ?
Type/Duration Fixed  until 01/05/2020 ?
Scheme fees £1,549 ?
Cost comparison £22,475 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £330
Other fees £25
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.25% of loan amount redeemed to be paid within 1 year; then 0.90% of loan amount redeemed to be paid until 31-May-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 1.89% and then on a variable rate, currently 3.99%, for the remaining 22 years and 11 months would require 25 payments of £837.04 and 275 payments of £1,037.00. The total amount payable would be £307,650 made up of the loan amount plus interest (£106,101) and fees (£1,549 which includes exit fees of £195). The overall cost for comparison is 3.8% APRC representative.

More info

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

Initial rate 1.95% then 4.99% (variable) ?
Monthly repayments £843 ?
Type/Duration Fixed  until 01/07/2020 ?
Scheme fees £390 ?
Cost comparison £23,147 ?

Fees & Charges

Booking fee £0
Arrangement fee £0
Valuation fee £270
Other fees £30
Cashback £0

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 1.95% and then on a variable rate, currently 4.99%, for the remaining 22 years and 9 months would require 27 payments of £842.85 and 273 payments of £1,139.24. The total amount payable would be £334,159 made up of the loan amount plus interest (£133,769) and fees (£390 which includes exit fees of £90). The overall cost for comparison is 4.6% APRC representative.

More info

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

Rate 1.95% ?
Monthly repayments £843 ?
Type/Duration Variable ?
Scheme fees £1,149 ?
Cost comparison £254,004 ?

Fees & Charges

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

Flexibility

Max LTV 80%
Overpayments allowed? Yes
Early Repayment charges -

Other info

Exit fees £150
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, on a variable rate of 1.95% for 25 years would require 300 payments of £842.85. The total amount payable would be £254,004 made up of the loan amount plus interest (£52,855) and fees (£1,149 which includes exit fees of £150). The overall cost for comparison is 2% APRC representative.

More info

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

Initial rate 1.97% then 4.99% (variable) ?
Monthly repayments £845 ?
Type/Duration Fixed  until 01/07/2020 ?
Scheme fees £615 ?
Cost comparison £23,174 ?

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 1.97% and then on a variable rate, currently 4.99%, for the remaining 22 years and 9 months would require 27 payments of £844.79 and 273 payments of £1,139.45. The total amount payable would be £334,244 made up of the loan amount plus interest (£133,629) and fees (£615 which includes exit fees of £90). 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 1.98% then 4.99% (variable) ?
Monthly repayments £846 ?
Type/Duration Fixed  until 01/07/2020 ?
Scheme fees £1,385 ?
Cost comparison £24,221 ?

Fees & Charges

Booking fee £0
Arrangement fee £995
Valuation fee £270
Other fees £30
Cashback £0

Flexibility

Max LTV 80%
Overpayments allowed? Yes
Early Repayment charges 2.50% of loan amount redeemed to be paid until 31-Jul-2019; then 1.50% 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 1.98% and then on a variable rate, currently 4.99%, for the remaining 22 years and 9 months would require 27 payments of £845.76 and 273 payments of £1,139.56. The total amount payable would be £335,320 made up of the loan amount plus interest (£133,935) and fees (£1,385 which includes exit fees of £90). 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 1.99% then 4.74% (variable) ?
Monthly repayments £847 ?
Type/Duration Fixed  until 01/06/2020 ?
Scheme fees £1,132 ?
Cost comparison £23,147 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £8
Cashback £0

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 £125
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 1.99% and then on a variable rate, currently 4.74%, for the remaining 22 years and 10 months would require 26 payments of £846.74 and 274 payments of £1,091.10. The total amount payable would be £322,946 made up of the loan amount plus interest (£121,814) and fees (£1,132 which includes exit fees of £125). 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 1.99% then 3.99% (variable) ?
Monthly repayments £847 ?
Type/Duration Fixed  until 01/05/2020 ?
Scheme fees £1,549 ?
Cost comparison £22,718 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £330
Other fees £25
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.25% of loan amount redeemed to be paid within 1 year; then 0.90% of loan amount redeemed to be paid until 31-May-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 1.99% and then on a variable rate, currently 3.99%, for the remaining 22 years and 11 months would require 25 payments of £846.74 and 275 payments of £1,037.92. The total amount payable would be £308,146 made up of the loan amount plus interest (£106,597) and fees (£1,549 which includes exit fees of £195). The overall cost for comparison is 3.7% APRC representative.

More info

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

Rate 2.1% ?
Monthly repayments £857 ?
Type/Duration Variable ?
Scheme fees £1,132 ?
Cost comparison £258,376 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £8
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges -

Other info

Exit fees £125
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, on a variable rate of 2.1% for 25 years would require 300 payments of £857.48. The total amount payable would be £258,376 made up of the loan amount plus interest (£57,244) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 2.2% APRC representative.

More info

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

View more mortgages

When choosing the right offset mortgage deal, expertise counts

An offset mortgage links your savings, and in some instances your current account, to your mortgage. As a result, instead of earning interest on your savings, you pay less interest on your mortgage. Many of the offset mortgage deals highlighted by our mortgage comparison tool will only be available through independent brokers like John Charcol. Once you’ve found a deal that you think is right our experts can help by comparing 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 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. When you choose John Charcol our experts will 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.