For many people, buying a home will involve arranging a mortgage. Getting a mortgage in principle will give you peace of mind that you'll be accepted by a lender. Working with a mortgage broker like us, can remove much of the unnecessary stress associated with buying a new home, so you can move in and start enjoying it as soon as possible. 

Why Choose John Charcol Mortgage Brokers?

We Take Care of Everything

With over 45 years of service, we've seen it all. We can save you money, time and make buying your property easy.

We're Highly Recommended

We have over 1,500 5* reviews on reviews.co.uk, so you can feel confident that your mortgage is in the right hands.

We Give Personal, Expert Advice

We work around your schedule to help you arrange a mortgage that suits your circumstances, no matter how complex.

Get Your Mortgage
In Principle

Compare The Best Mortgage Rates

Our mortgage comparison tool lets you compare mortgage best buy rates based on your budget and preferred loan type. Once you have found the best mortgage deals for you, call us on 0333 242 8556 and we can conduct a personalised search to check if you qualify or if there is a better deal available. 

When you choose John Charcol, our mortgage experts will save time and money by managing your application from start to finish. 

OnTheMarket receives an introducer fee from John Charcol of up to 30% of the value of the fees paid by the mortgage lender to John Charcol for each successful mortgage application arranged by them.

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We've found 1,409 mortgage deals that match your search

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Scheme ID 13043
Initial rate ? 0.79% then 4.34% (variable)
Monthly repayments ? £ 1,102
Type/Duration ? Variable
Scheme fees ? £1,499
Cost comparison ? £27,705

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges £250, plus (2% until 31-12-22, 1% until 31-12-23)

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 3 months at 0.79%, and then on a variable rate for 22 years and 9 months at 4.34%. This would require 27 payments of £1,102.33 and 273 payments of £1,588.91. The total amount payable would be £464,834 made up of the loan amount plus interest (£163,335) and fees (£1,549 which includes exit fees of £50). The overall cost for comparison is 3.75% APRC representative.

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Scheme ID 13045
Initial rate ? 0.84% then 4.34% (variable)
Monthly repayments ? £ 1,109
Type/Duration ? Variable
Scheme fees ? £999
Cost comparison ? £27,366

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges £250, plus (2% until 31-12-22, 1% until 31-12-23)

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 3 months at 0.84%, and then on a variable rate for 22 years and 9 months at 4.34%. This would require 27 payments of £1,109.02 and 273 payments of £1,589.74. The total amount payable would be £464,742 made up of the loan amount plus interest (£163,743) and fees (£1,049 which includes exit fees of £50). The overall cost for comparison is 3.75% APRC representative.

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Scheme ID 543
Initial rate ? 0.85% then 3.59% (variable)
Monthly repayments ? £ 1,110
Type/Duration ? Variable
Scheme fees ? £1,034
Cost comparison ? £27,683

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 Not Applicable

Other info

Exit fees £80
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years at 0.85%, and then on a tracker rate for 23 years at 3.5900000000000003%. This would require 24 payments of £1,110.36 and 276 payments of £1,482.56. The total amount payable would be £436,949 made up of the loan amount plus interest (£135,915) and fees (£1,114 which includes exit fees of £80). The overall cost for comparison is 3.20% APRC representative.

0344 346 3672

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Scheme ID 46964
Initial rate ? 0.86% then 3.59% (variable)
Monthly repayments ? £ 1,112
Type/Duration ? Variable
Scheme fees ? £1,034
Cost comparison ? £27,715

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 30-11-23) of balance repaid

Other info

Exit fees £80
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 0.86%, and then on a tracker rate for 22 years and 10 months at 3.5900000000000003%. This would require 26 payments of £1,111.71 and 274 payments of £1,479.90. The total amount payable would be £435,511 made up of the loan amount plus interest (£134,477) and fees (£1,114 which includes exit fees of £80). The overall cost for comparison is 3.16% APRC representative.

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Scheme ID 52370
Initial rate ? 0.87% then 3.59% (variable)
Monthly repayments ? £ 1,113
Type/Duration ? Variable
Scheme fees ? £1,519
Cost comparison ? £28,232

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 £65, plus (1.5% in year 1, 0.75% in year 2)

Other info

Exit fees £65
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years at 0.87%, and then on a variable rate for 23 years at 3.59%. This would require 24 payments of £1,113.05 and 276 payments of £1,482.84. The total amount payable would be £437,561 made up of the loan amount plus interest (£136,042) and fees (£1,584 which includes exit fees of £65). The overall cost for comparison is 3.21% APRC representative.

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Scheme ID 1527
Initial rate ? 0.89% then 4.35% (variable)
Monthly repayments ? £ 1,116
Type/Duration ? Variable
Scheme fees ? £995
Cost comparison ? £27,773

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 £170, plus (3% in years 1-2)

Other info

Exit fees £170
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years at 0.89%, and then on a variable rate for 23 years at 4.35%. This would require 24 payments of £1,115.74 and 276 payments of £1,597.62. The total amount payable would be £468,886 made up of the loan amount plus interest (£167,891) and fees (£1,165 which includes exit fees of £170). The overall cost for comparison is 3.84% APRC representative.

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Scheme ID 9
Initial rate ? 0.89% then 3.59% (variable)
Monthly repayments ? £ 1,115
Type/Duration ? Variable
Scheme fees ? £1,699
Cost comparison ? £28,468

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 2% until 31-12-22, 1% until 31-12-23

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 3 months at 0.89%, and then on a variable rate for 22 years and 9 months at 3.59%. This would require 27 payments of £1,115.38 and 273 payments of £1,477.59. The total amount payable would be £435,196 made up of the loan amount plus interest (£133,497) and fees (£1,699 which includes exit fees of £0). The overall cost for comparison is 3.16% APRC representative.

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Scheme ID 24528
Initial rate ? 0.89% then 3.59% (variable)
Monthly repayments ? £ 1,115
Type/Duration ? Variable
Scheme fees ? £1,699
Cost comparison ? £28,218

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 2% until 31-12-22, 1% until 31-12-23

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 3 months at 0.89%, and then on a variable rate for 22 years and 9 months at 3.59%. This would require 27 payments of £1,115.38 and 273 payments of £1,477.59. The total amount payable would be £434,946 made up of the loan amount plus interest (£133,247) and fees (£1,699 which includes exit fees of £0). The overall cost for comparison is 3.16% APRC representative.

0344 346 3672

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Scheme ID 8169
Initial rate ? 0.89% then 3.54% (variable)
Monthly repayments ? £ 1,116
Type/Duration ? Variable
Scheme fees ? £1,016
Cost comparison ? £27,794

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 2% until 30-11-22, 1% until 30-11-23 with a fee free allowance of 10%

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 0.89%, and then on a variable rate for 22 years and 10 months at 3.54%. This would require 26 payments of £1,115.74 and 274 payments of £1,473.04. The total amount payable would be £433,638 made up of the loan amount plus interest (£132,622) and fees (£1,016 which includes exit fees of £0). The overall cost for comparison is 3.12% APRC representative.

0344 346 3672

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Scheme ID 23113
Initial rate ? 0.89% then 3.35% (variable)
Monthly repayments ? £ 1,116
Type/Duration ? Variable
Scheme fees ? £1,034
Cost comparison ? £27,562

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £250

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges £250, plus 3% until 02-11-23, 3% until 02-01-24, plus Benefit repayable until 2-11-2023

Other info

Exit fees £225
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 3 months at 0.89%, and then on a tracker rate for 22 years and 9 months at 3.35%. This would require 27 payments of £1,115.74 and 273 payments of £1,444.21. The total amount payable would be £425,403 made up of the loan amount plus interest (£124,369) and fees (£1,259 which includes exit fees of £225). The overall cost for comparison is 2.95% APRC representative.

0344 346 3672

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