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 1,268 mortgage deals that match your search

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Scheme ID 64190
Initial rate ? 0.91% then 3.59% (variable)
Monthly repayments ? £ 1,118
Type/Duration ? Variable
Scheme fees ? £1,519
Cost comparison ? £28,361

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 0.91%, and then on a variable rate for 23 years at 3.59%. This would require 24 payments of £1,118.44 and 276 payments of £1,483.39. The total amount payable would be £437,842 made up of the loan amount plus interest (£136,323) and fees (£1,584 which includes exit fees of £65). The overall cost for comparison is 3.22% APRC representative.

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Scheme ID 5400
Initial rate ? 0.92% then 3.59% (variable)
Monthly repayments ? £ 1,120
Type/Duration ? Variable
Scheme fees ? £1,034
Cost comparison ? £27,909

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 4 months at 0.92%, and then on a tracker rate for 22 years and 8 months at 3.5900000000000003%. This would require 28 payments of £1,119.79 and 272 payments of £1,478.06. The total amount payable would be £434,500 made up of the loan amount plus interest (£133,466) and fees (£1,114 which includes exit fees of £80). The overall cost for comparison is 3.14% APRC representative.

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Scheme ID 16958
Initial rate ? 0.93% then 3.59% (variable)
Monthly repayments ? £ 1,121
Type/Duration ? Variable
Scheme fees ? £1,025
Cost comparison ? £27,682

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 1.5% until 30-11-22, 0.75% until 30-11-23

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 4 months at 0.93%, and then on a variable rate for 22 years and 8 months at 3.59%. This would require 28 payments of £1,121.14 and 272 payments of £1,478.22. The total amount payable would be £434,243 made up of the loan amount plus interest (£133,218) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.14% APRC representative.

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Scheme ID 9908
Initial rate ? 0.94% then 3.59% (variable)
Monthly repayments ? £ 1,122
Type/Duration ? Variable
Scheme fees ? £1,025
Cost comparison ? £27,715

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 1.5% until 30-11-22, 0.75% until 30-11-23

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 4 months at 0.94%, and then on a variable rate for 22 years and 8 months at 3.59%. This would require 28 payments of £1,122.49 and 272 payments of £1,478.38. The total amount payable would be £434,324 made up of the loan amount plus interest (£133,299) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.14% APRC representative.

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Scheme ID 60257
Initial rate ? 0.94% then 3.54% (variable)
Monthly repayments ? £ 1,122
Type/Duration ? Variable
Scheme fees ? £1,016
Cost comparison ? £27,956

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 4 months at 0.94%, and then on a variable rate for 22 years and 8 months at 3.54%. This would require 28 payments of £1,122.49 and 272 payments of £1,471.13. The total amount payable would be £432,593 made up of the loan amount plus interest (£131,577) and fees (£1,016 which includes exit fees of £0). The overall cost for comparison is 3.10% APRC representative.

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Scheme ID 45884
Initial rate ? 0.95% then 4.34% (variable)
Monthly repayments ? £ 1,124
Type/Duration ? Variable
Scheme fees ? £1,499
Cost comparison ? £28,221

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 30-09-22, 1% until 30-09-23)

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 2 months at 0.95%, and then on a variable rate for 22 years and 10 months at 4.34%. This would require 26 payments of £1,123.84 and 274 payments of £1,593.37. The total amount payable would be £467,102 made up of the loan amount plus interest (£165,603) and fees (£1,549 which includes exit fees of £50). The overall cost for comparison is 3.81% APRC representative.

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Scheme ID 54759
Initial rate ? 0.98% then 3.59% (variable)
Monthly repayments ? £ 1,128
Type/Duration ? Variable
Scheme fees ? £1,025
Cost comparison ? £27,845

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 0.5% until 30-11-22, 0.25% until 30-11-23

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 tracker rate for 2 years and 4 months at 0.98%, and then on a variable rate for 22 years and 8 months at 3.59%. This would require 28 payments of £1,127.90 and 272 payments of £1,479.02. The total amount payable would be £434,650 made up of the loan amount plus interest (£133,625) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.15% APRC representative.

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Scheme ID 19068
Initial rate ? 0.99% then 4.35% (variable)
Monthly repayments ? £ 1,129
Type/Duration ? Variable
Scheme fees ? £1,390
Cost comparison ? £28,492

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 0.99%, and then on a variable rate for 23 years at 4.35%. This would require 24 payments of £1,129.26 and 276 payments of £1,599.10. The total amount payable would be £470,014 made up of the loan amount plus interest (£168,624) and fees (£1,560 which includes exit fees of £170). The overall cost for comparison is 3.87% APRC representative.

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Scheme ID 7226
Initial rate ? 0.99% then 5.19% (variable)
Monthly repayments ? £ 1,129
Type/Duration ? Variable
Scheme fees ? £1,515
Cost comparison ? £28,617

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 1% in year 1, 0.5% in year 2

Other info

Exit fees £85
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a variable rate for 2 years at 0.99000000000000021%, and then on a variable rate for 23 years at 5.19%. This would require 24 payments of £1,129.26 and 276 payments of £1,731.16. The total amount payable would be £506,502 made up of the loan amount plus interest (£204,987) and fees (£1,600 which includes exit fees of £85). The overall cost for comparison is 4.57% APRC representative.

0344 346 3672

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Scheme ID 18555
Initial rate ? 0.99% then 4.35% (variable)
Monthly repayments ? £ 1,129
Type/Duration ? Variable
Scheme fees ? £0
Cost comparison ? £27,102

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 (2% in year 1, 1% in year 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 variable rate for 2 years at 0.98999999999999977%, and then on a variable rate for 23 years at 4.35%. This would require 24 payments of £1,129.26 and 276 payments of £1,599.10. The total amount payable would be £468,624 made up of the loan amount plus interest (£168,624) and fees (£170 which includes exit fees of £170). The overall cost for comparison is 3.82% APRC representative.

0344 346 3672

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