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.

Product Rate
Loan Type

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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 713 mortgage deals that match your search

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Scheme ID 10571
Initial rate 1.05% then 4.35% (variable) ?
Monthly repayments £ 1,137 ?
Type/Duration Variable ?
Scheme fees £0 ?
Cost comparison £27,298 ?

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 1.0499999999999998%, and then on a variable rate for 23 years at 4.35%. This would require 24 payments of £1,137.42 and 276 payments of £1,599.98. The total amount payable would be £469,063 made up of the loan amount plus interest (£169,063) and fees (£170 which includes exit fees of £170). The overall cost for comparison is 3.83% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 24763
Initial rate 1.09% then 3.59% (variable) ?
Monthly repayments £ 1,143 ?
Type/Duration Variable ?
Scheme fees £1,034 ?
Cost comparison £28,463 ?

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 31-10-22) 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 3 months at 1.09%, and then on a tracker rate for 22 years and 9 months at 3.5900000000000003%. This would require 27 payments of £1,142.88 and 273 payments of £1,482.03. The total amount payable would be £436,566 made up of the loan amount plus interest (£135,532) and fees (£1,114 which includes exit fees of £80). The overall cost for comparison is 3.19% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 19399
Initial rate 1.14% then 5.29% (variable) ?
Monthly repayments £ 1,150 ?
Type/Duration Variable ?
Scheme fees £2,034 ?
Cost comparison £29,628 ?

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 £199, plus (3% in year 1, 2% until 31-10-22) with a fee free allowance of 10%

Other info

Exit fees £199
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 1.14%, then moving onto variable rate for 3 years at 4.04%, and then on a variable rate for 19 years and 9 months at 5.29%. This would require 27 payments of £1,149.73, followed by 36 payments of £1,549.39, and 237 payments of £1,720.75. The total amount payable would be £496,872 made up of the loan amount plus interest (£194,838) and fees (£2,233 which includes exit fees of £199). The overall cost for comparison is 4.33% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 19391
Initial rate 1.15% then 5.29% (variable) ?
Monthly repayments £ 1,151 ?
Type/Duration Variable ?
Scheme fees £1,034 ?
Cost comparison £28,661 ?

Fees & Charges

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

Flexibility

Max LTV 65%
Overpayments allowed? Yes
Early Repayment charges £199, plus (3% in year 1, 2% until 31-10-22) with a fee free allowance of 10%

Other info

Exit fees £199
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 1.15%, then moving onto variable rate for 3 years at 4.04%, and then on a variable rate for 19 years and 9 months at 5.29%. This would require 27 payments of £1,151.10, followed by 36 payments of £1,549.55, and 237 payments of £1,720.93. The total amount payable would be £495,957 made up of the loan amount plus interest (£194,923) and fees (£1,233 which includes exit fees of £199). The overall cost for comparison is 4.30% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 10592
Initial rate 1.15% then 4.35% (variable) ?
Monthly repayments £ 1,151 ?
Type/Duration Variable ?
Scheme fees £0 ?
Cost comparison £27,627 ?

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 £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 1.1499999999999995%, and then on a variable rate for 23 years at 4.35%. This would require 24 payments of £1,151.10 and 276 payments of £1,601.44. The total amount payable would be £469,794 made up of the loan amount plus interest (£169,794) and fees (£170 which includes exit fees of £170). The overall cost for comparison is 3.85% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 19726
Initial rate 1.16% then 4.09% (variable) ?
Monthly repayments £ 1,152 ?
Type/Duration Variable ?
Scheme fees £1,525 ?
Cost comparison £29,184 ?

Fees & Charges

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

Flexibility

Max LTV 65%
Overpayments allowed? Yes
Early Repayment charges £50, plus 1.5% until 01-11-22

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 1.16%, then moving onto variable rate for 4 years and 9 months at 4.34%, and then on a variable rate for 18 years at 4.09%. This would require 27 payments of £1,152.48, followed by 57 payments of £1,595.01, and 216 payments of £1,563.87. The total amount payable would be £461,353 made up of the loan amount plus interest (£159,828) and fees (£1,525 which includes exit fees of £0). The overall cost for comparison is 3.71% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 19727
Initial rate 1.16% then 4.09% (variable) ?
Monthly repayments £ 1,152 ?
Type/Duration Variable ?
Scheme fees £1,525 ?
Cost comparison £29,184 ?

Fees & Charges

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

Flexibility

Max LTV 65%
Overpayments allowed? Yes
Early Repayment charges £50, plus 1.5% until 01-11-22

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 1.16%, then moving onto variable rate for 4 years and 9 months at 4.34%, and then on a variable rate for 18 years at 4.09%. This would require 27 payments of £1,152.48, followed by 57 payments of £1,595.01, and 216 payments of £1,563.87. The total amount payable would be £461,353 made up of the loan amount plus interest (£159,828) and fees (£1,525 which includes exit fees of £0). The overall cost for comparison is 3.71% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 20707
Initial rate 1.17% then 3.59% (variable) ?
Monthly repayments £ 1,154 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £28,819 ?

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 30-09-21, 1% until 30-09-22

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 1.17%, and then on a variable rate for 22 years and 10 months at 3.59%. This would require 26 payments of £1,153.85 and 274 payments of £1,484.47. The total amount payable would be £437,872 made up of the loan amount plus interest (£136,495) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.23% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 26019
Initial rate 1.17% then 4.34% (variable) ?
Monthly repayments £ 1,154 ?
Type/Duration Variable ?
Scheme fees £999 ?
Cost comparison £28,441 ?

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 30-11-21, 1% until 30-11-22)

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 4 months at 1.17%, and then on a variable rate for 22 years and 8 months at 4.34%. This would require 28 payments of £1,153.85 and 272 payments of £1,593.51. The total amount payable would be £466,542 made up of the loan amount plus interest (£165,543) and fees (£1,049 which includes exit fees of £50). The overall cost for comparison is 3.79% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 125
Initial rate 1.21% then 4.64% (variable) ?
Monthly repayments £ 1,159 ?
Type/Duration Variable ?
Scheme fees £1,001 ?
Cost comparison £28,826 ?

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 £95, plus (2% until 31-10-21, 1% until 31-10-22)

Other info

Exit fees £95
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 1.21%, then moving onto variable rate for 3 years at 3.6399999999999997%, and then on a variable rate for 19 years and 9 months at 4.64%. This would require 27 payments of £1,159.36, followed by 36 payments of £1,491.17, and 237 payments of £1,624.42. The total amount payable would be £471,068 made up of the loan amount plus interest (£170,067) and fees (£1,096 which includes exit fees of £95). The overall cost for comparison is 3.84% APRC representative.

0344 346 3672 or Enquire now

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