Mortgage expertise, helping you compare the best mortgage deals available to portfolio landlords

If you're a portfolio landlord who owns four or more mortgaged Buy-to-Let properties our comparison tool provides an indication of the best portfolio mortgage deals available to you. Feel free to get in touch if you would like to discuss your options further.

John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

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1643 Total reviews

4.84 Average rating

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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 83 mortgage deals that match your search

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Scheme ID 39083
Initial rate 1.35% then 5.24% (variable) ?
Monthly repayments £ 294 ?
Type/Duration Variable ?
Scheme fees £2,095 ?
Cost comparison £9,149 ?

Fees & Charges

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

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges £80, plus (2% until 31-01-22) of balance repaid

Other info

Exit fees £80
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.35%, and then on a tracker rate for 22 years and 10 months at 5.24%. This would require 26 payments of £1,026.52 and 274 payments of £1,515.79. The total amount payable would be £583,643 made up of the interest (£581,548) and fees (£2,175 which includes exit fees of £80). The overall cost for comparison is 4.85% APRC representative.

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

Scheme ID 39072
Initial rate 1.6% then 5.24% (variable) ?
Monthly repayments £ 348 ?
Type/Duration Variable ?
Scheme fees £1,595 ?
Cost comparison £9,955 ?

Fees & Charges

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

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges £80, plus (2% until 31-01-22) of balance repaid

Other info

Exit fees £80
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.6%, and then on a tracker rate for 22 years and 10 months at 5.24%. This would require 26 payments of £1,057.15 and 274 payments of £1,519.42. The total amount payable would be £584,558 made up of the interest (£582,963) and fees (£1,675 which includes exit fees of £80). The overall cost for comparison is 4.88% APRC representative.

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

Scheme ID 39068
Initial rate 1.67% then 5.24% (variable) ?
Monthly repayments £ 364 ?
Type/Duration Variable ?
Scheme fees £2,095 ?
Cost comparison £10,821 ?

Fees & Charges

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

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges £80, plus (2% until 31-01-22) of balance repaid

Other info

Exit fees £80
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.67%, and then on a tracker rate for 22 years and 10 months at 5.24%. This would require 26 payments of £1,065.83 and 274 payments of £1,520.42. The total amount payable would be £585,454 made up of the interest (£583,359) and fees (£2,175 which includes exit fees of £80). The overall cost for comparison is 4.90% APRC representative.

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

Scheme ID 39070
Initial rate 1.94% then 5.24% (variable) ?
Monthly repayments £ 422 ?
Type/Duration Variable ?
Scheme fees £2,095 ?
Cost comparison £12,232 ?

Fees & Charges

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

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges £80, plus (2% until 31-01-22) of balance repaid

Other info

Exit fees £80
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.94%, and then on a tracker rate for 22 years and 10 months at 5.24%. This would require 26 payments of £1,099.70 and 274 payments of £1,524.23. The total amount payable would be £586,983 made up of the interest (£584,888) and fees (£2,175 which includes exit fees of £80). The overall cost for comparison is 4.94% APRC representative.

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

Scheme ID 39088
Initial rate 2.21% then 5.24% (variable) ?
Monthly repayments £ 481 ?
Type/Duration Variable ?
Scheme fees £300 ?
Cost comparison £11,847 ?

Fees & Charges

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

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges £80, plus (2% until 31-01-22) of balance repaid

Other info

Exit fees £80
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 2.21%, and then on a tracker rate for 22 years and 10 months at 5.24%. This would require 26 payments of £1,134.22 and 274 payments of £1,527.96. The total amount payable would be £586,716 made up of the interest (£586,416) and fees (£380 which includes exit fees of £80). The overall cost for comparison is 4.93% APRC representative.

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

Scheme ID 27752
Initial rate 2.29% then 4.75% (variable) ?
Monthly repayments £ 499 ?
Type/Duration Variable ?
Scheme fees £1,334 ?
Cost comparison £13,299 ?

Fees & Charges

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

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges £50, plus (2% in year 1, 1% in year 2)

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years at 2.29%, and then on a variable rate for 23 years at 4.75%. This would require 24 payments of £1,144.57 and 276 payments of £1,463.14. The total amount payable would be £560,014 made up of the interest (£558,680) and fees (£1,384 which includes exit fees of £50). The overall cost for comparison is 4.56% APRC representative.

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

Scheme ID 44177
Initial rate 2.39% then 5.34% (variable) ?
Monthly repayments £ 520 ?
Type/Duration Variable ?
Scheme fees £1,819 ?
Cost comparison £14,307 ?

Fees & Charges

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

Flexibility

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

Other info

Exit fees £120
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a variable rate for 2 years at 2.3899999999999997%, and then on a variable rate for 23 years at 5.34%. This would require 24 payments of £1,157.59 and 276 payments of £1,547.21. The total amount payable would be £596,543 made up of the interest (£594,724) and fees (£1,939 which includes exit fees of £120). The overall cost for comparison is 5.11% APRC representative.

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

Scheme ID 12089
Initial rate 2.39% then 6.14% (variable) ?
Monthly repayments £ 520 ?
Type/Duration Variable ?
Scheme fees £3,564 ?
Cost comparison £16,052 ?

Fees & Charges

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

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges Not Applicable

Other info

Exit fees £150
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a variable rate for 2 years at 2.39%, and then on a variable rate for 23 years at 6.14%. This would require 24 payments of £1,157.59 and 276 payments of £1,663.31. The total amount payable would be £646,389 made up of the interest (£642,825) and fees (£3,714 which includes exit fees of £150). The overall cost for comparison is 5.86% APRC representative.

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

Scheme ID 33412
Initial rate 2.44% then 4.75% (variable) ?
Monthly repayments £ 531 ?
Type/Duration Variable ?
Scheme fees £1,034 ?
Cost comparison £13,783 ?

Fees & Charges

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

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges £50, plus (2% in year 1, 1% in year 2)

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years at 2.44%, and then on a variable rate for 23 years at 4.75%. This would require 24 payments of £1,164.13 and 276 payments of £1,464.92. The total amount payable would be £560,497 made up of the interest (£559,463) and fees (£1,084 which includes exit fees of £50). The overall cost for comparison is 4.58% APRC representative.

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

Scheme ID 33417
Initial rate 2.44% then 4.75% (variable) ?
Monthly repayments £ 531 ?
Type/Duration Variable ?
Scheme fees £35 ?
Cost comparison £12,784 ?

Fees & Charges

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

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges £50, plus (2% in year 1, 1% in year 2)

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years at 2.44%, and then on a variable rate for 23 years at 4.75%. This would require 24 payments of £1,164.13 and 276 payments of £1,464.92. The total amount payable would be £559,498 made up of the interest (£559,463) and fees (£85 which includes exit fees of £50). The overall cost for comparison is 4.55% APRC representative.

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

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We can save landlords money on their mortgage

Many of the professional landlord deals highlighted by our mortgage comparison tool may not be available on the high street and may will only be available through independent brokers like John Charcol. 

When arranging a mortgage it's important to keep in mind that the best deals aren’t always just the lowest mortgage rate possible. John Charcol take into account the rate, set up costs, whether or not the product is portable to another property and the amount of any early repayment charges when researching the whole of the mortgage market for the best option for you. Regardless of whether you’re expanding your property portfolio or remortgaging an existing buy to let property we can help save you time, effort and money.

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