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

John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

90%

1120 Total reviews

4.81 Average rating

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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.

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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 682 mortgage deals that match your search

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Product code 002EU2
Initial rate 1.75% then 5.19% (variable) ?
Monthly repayments £292 ?
Type/Duration Fixed  until 01/01/2021 ?
Scheme fees £2,350 ?
Cost comparison £9,725 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,995
Valuation fee £275
Other fees £30
Cashback £500

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.50% of loan amount redeemed to be paid until 01-Jan-2021

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 27 months at 1.75% and then on a variable rate, currently 5.19%, for the remaining 22 years and 9 months would require 27 payments of £291.67 and 273 payments of £865.00. The total amount payable would be £245,870 made up of the interest (£243,520) and fees (£2,350 which includes exit fees of £50). The overall cost for comparison is 5% APRC representative.

More info

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

Product code 0021N4
Initial rate 1.79% then 4% (variable) ?
Monthly repayments £298 ?
Type/Duration Fixed  until 01/12/2020 ?
Scheme fees £1,759 ?
Cost comparison £9,516 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £35
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 02-Dec-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 1.79% and then on a variable rate, currently 4%, for the remaining 22 years and 10 months would require 26 payments of £298.33 and 274 payments of £666.67. The total amount payable would be £192,183 made up of the interest (£190,424) and fees (£1,759 which includes exit fees of £225). The overall cost for comparison is 3.8% APRC representative.

More info

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

Product code 002H7O
Initial rate 1.79% then 4% (variable) ?
Monthly repayments £298 ?
Type/Duration Fixed  until 01/12/2020 ?
Scheme fees £1,759 ?
Cost comparison £9,516 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,499
Valuation fee £0
Other fees £35
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid until 02-Dec-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 1.79% and then on a variable rate, currently 4%, for the remaining 22 years and 10 months would require 26 payments of £298.33 and 274 payments of £666.67. The total amount payable would be £192,183 made up of the interest (£190,424) and fees (£1,759 which includes exit fees of £225). The overall cost for comparison is 3.8% APRC representative.

More info

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

Product code 002PQY
Initial rate 1.79% then 4.74% (variable) ?
Monthly repayments £298 ?
Type/Duration Fixed  until 01/10/2020 ?
Scheme fees £2,132 ?
Cost comparison £9,590 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,999
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 31-Oct-2019; then 1.00% of loan amount redeemed to be paid until 31-Oct-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 25 months at 1.79% and then on a variable rate, currently 4.74%, for the remaining 22 years and 11 months would require 25 payments of £298.33 and 275 payments of £790.00. The total amount payable would be £226,840 made up of the interest (£224,708) and fees (£2,132 which includes exit fees of £125). The overall cost for comparison is 4.5% APRC representative.

More info

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

Product code 003RXA
Initial rate 1.79% then 5.19% (variable) ?
Monthly repayments £298 ?
Type/Duration Fixed  until 01/01/2021 ?
Scheme fees £2,350 ?
Cost comparison £9,905 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,995
Valuation fee £275
Other fees £30
Cashback £500

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.50% of loan amount redeemed to be paid until 01-Jan-2021

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 27 months at 1.79% and then on a variable rate, currently 5.19%, for the remaining 22 years and 9 months would require 27 payments of £298.33 and 273 payments of £865.00. The total amount payable would be £246,050 made up of the interest (£243,700) and fees (£2,350 which includes exit fees of £50). The overall cost for comparison is 5% APRC representative.

More info

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

Product code 004OLP
Initial rate 1.83% then 5.24% (variable) ?
Monthly repayments £305 ?
Type/Duration Fixed  until 22/09/2020 ?
Scheme fees £2,131 ?
Cost comparison £9,451 ?

Fees & Charges

Booking fee £150
Arrangement fee £1,495
Valuation fee £336
Other fees £25
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 3.00% of loan amount redeemed to be paid within 2 years

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 24 months at 1.83% and then on a variable rate, currently 5.24%, for the remaining 23 years would require 24 payments of £305.00 and 276 payments of £873.33. The total amount payable would be £250,490 made up of the interest (£248,359) and fees (£2,131 which includes exit fees of £125). The overall cost for comparison is 4.9% APRC representative.

More info

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

Product code R24
Initial rate 1.85% then 5.09% (variable) ?
Monthly repayments £308 ?
Type/Duration Fixed  until 01/12/2020 ?
Scheme fees £2,745 ?
Cost comparison £11,070 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,995
Valuation fee £455
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 31-Dec-2019; then 1.00% of loan amount redeemed to be paid until 31-Dec-2020

Other info

Exit fees £295
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 1.85% and then on a variable rate, currently 5.09%, for the remaining 22 years and 9 months would require 27 payments of £308.33 and 273 payments of £848.33. The total amount payable would be £242,664 made up of the interest (£239,919) and fees (£2,745 which includes exit fees of £295). The overall cost for comparison is 4.6% APRC representative.

More info

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

Product code 002VC2
Initial rate 1.89% then 4.99% (variable) ?
Monthly repayments £315 ?
Type/Duration Fixed  until 01/11/2020 ?
Scheme fees £1,585 ?
Cost comparison £9,275 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,495
Valuation fee £0
Other fees £0
Cashback £500

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.5% of loan amount redeemed to be paid until 30-Nov-2019; then 1.5% of loan amount redeemed to be paid until 30-Nov-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 26 months at 1.89% and then on a variable rate, currently 4.99%, for the remaining 22 years and 10 months would require 26 payments of £315.00 and 274 payments of £831.67. The total amount payable would be £226,652 made up of the interest (£225,067) and fees (£1,585 which includes exit fees of £90). The overall cost for comparison is 4.3% APRC representative.

More info

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

Product code 002ETX
Initial rate 1.92% then 5.19% (variable) ?
Monthly repayments £320 ?
Type/Duration Fixed  until 01/01/2021 ?
Scheme fees £1,350 ?
Cost comparison £9,490 ?

Fees & Charges

Booking fee £0
Arrangement fee £995
Valuation fee £275
Other fees £30
Cashback £500

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.50% of loan amount redeemed to be paid until 01-Jan-2021

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 27 months at 1.92% and then on a variable rate, currently 5.19%, for the remaining 22 years and 9 months would require 27 payments of £320.00 and 273 payments of £865.00. The total amount payable would be £245,635 made up of the interest (£244,285) and fees (£1,350 which includes exit fees of £50). The overall cost for comparison is 5% APRC representative.

More info

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

Product code 004GZV
Initial rate 1.94% then 4.74% (variable) ?
Monthly repayments £323 ?
Type/Duration Fixed  until 01/12/2020 ?
Scheme fees £1,377 ?
Cost comparison £10,107 ?

Fees & Charges

Booking fee £0
Arrangement fee £995
Valuation fee £352
Other fees £30
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 31-Dec-2019; then 1.00% of loan amount redeemed to be paid until 31-Dec-2020

Other info

Exit fees £0
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 1.94% and then on a variable rate, currently 4.74%, for the remaining 22 years and 9 months would require 27 payments of £323.33 and 273 payments of £790.00. The total amount payable would be £225,777 made up of the interest (£224,400) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 4.5% APRC representative.

More info

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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