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 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 536 mortgage deals that match your search

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Scheme ID 40216
Initial rate 1.14% then 3.74% (variable) ?
Monthly repayments £ 1,150 ?
Type/Duration Variable ?
Scheme fees £1,699 ?
Cost comparison £29,293 ?

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 30-06-21, 1% until 30-06-22

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 1.14%, and then on a variable rate for 22 years and 10 months at 3.74%. This would require 26 payments of £1,149.73 and 274 payments of £1,506.14. The total amount payable would be £444,274 made up of the loan amount plus interest (£142,575) and fees (£1,699 which includes exit fees of £0). The overall cost for comparison is 3.36% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 40218
Initial rate 1.17% then 3.74% (variable) ?
Monthly repayments £ 1,154 ?
Type/Duration Variable ?
Scheme fees £1,199 ?
Cost comparison £28,891 ?

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 30-06-21, 1% until 30-06-22

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 3.74%. This would require 26 payments of £1,153.85 and 274 payments of £1,506.58. The total amount payable would be £444,002 made up of the loan amount plus interest (£142,803) and fees (£1,199 which includes exit fees of £0). The overall cost for comparison is 3.35% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 16525
Initial rate 1.18% then 3.59% (variable) ?
Monthly repayments £ 1,155 ?
Type/Duration Variable ?
Scheme fees £35 ?
Cost comparison £27,761 ?

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 (1% in years 1-2) 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 tracker rate for 2 years at 1.1800000000000002%, and then on a tracker rate for 23 years at 3.5900000000000003%. This would require 24 payments of £1,155.23 and 276 payments of £1,487.06. The total amount payable would be £438,269 made up of the loan amount plus interest (£138,234) and fees (£115 which includes exit fees of £80). The overall cost for comparison is 3.22% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 38097
Initial rate 1.19% then 3.59% (variable) ?
Monthly repayments £ 1,157 ?
Type/Duration Variable ?
Scheme fees £1,025 ?
Cost comparison £28,784 ?

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 30-06-21, 1% until 30-06-22

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 1.19%, and then on a variable rate for 22 years and 10 months at 3.59%. This would require 26 payments of £1,156.61 and 274 payments of £1,484.76. The total amount payable would be £437,921 made up of the loan amount plus interest (£136,896) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.22% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 37241
Initial rate 1.21% then 3.59% (variable) ?
Monthly repayments £ 1,159 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £28,952 ?

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 30-06-21, 1% until 30-06-22

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 1.21%, and then on a variable rate for 22 years and 10 months at 3.59%. This would require 26 payments of £1,159.36 and 274 payments of £1,485.06. The total amount payable would be £438,177 made up of the loan amount plus interest (£136,800) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.24% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 2942
Initial rate 1.21% then 3.59% (variable) ?
Monthly repayments £ 1,159 ?
Type/Duration Variable ?
Scheme fees £1,034 ?
Cost comparison £28,859 ?

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 30-04-22) 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 at 1.21%, and then on a tracker rate for 23 years at 3.5900000000000003%. This would require 24 payments of £1,159.36 and 276 payments of £1,487.46. The total amount payable would be £439,478 made up of the loan amount plus interest (£138,444) and fees (£1,114 which includes exit fees of £80). The overall cost for comparison is 3.26% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 37242
Initial rate 1.23% then 3.59% (variable) ?
Monthly repayments £ 1,162 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £29,018 ?

Fees & Charges

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

Flexibility

Max LTV 70%
Overpayments allowed? Yes
Early Repayment charges 2% until 30-06-21, 1% until 30-06-22

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 1.23%, and then on a variable rate for 22 years and 10 months at 3.59%. This would require 26 payments of £1,162.13 and 274 payments of £1,485.35. The total amount payable would be £438,328 made up of the loan amount plus interest (£136,951) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.24% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 38087
Initial rate 1.24% then 3.59% (variable) ?
Monthly repayments £ 1,164 ?
Type/Duration Variable ?
Scheme fees £1,025 ?
Cost comparison £28,949 ?

Fees & Charges

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

Flexibility

Max LTV 70%
Overpayments allowed? Yes
Early Repayment charges 2% until 30-06-21, 1% until 30-06-22

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 1.24%, and then on a variable rate for 22 years and 10 months at 3.59%. This would require 26 payments of £1,163.51 and 274 payments of £1,485.49. The total amount payable would be £438,301 made up of the loan amount plus interest (£137,276) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.23% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 37283
Initial rate 1.25% then 3.59% (variable) ?
Monthly repayments £ 1,165 ?
Type/Duration Variable ?
Scheme fees £1,377 ?
Cost comparison £29,084 ?

Fees & Charges

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

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2% until 30-06-21, 1% until 30-06-22

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 1.25%, and then on a variable rate for 22 years and 10 months at 3.59%. This would require 26 payments of £1,164.89 and 274 payments of £1,485.64. The total amount payable would be £438,479 made up of the loan amount plus interest (£137,102) and fees (£1,377 which includes exit fees of £0). The overall cost for comparison is 3.24% APRC representative.

0344 346 3672 or Enquire now

Scheme ID 38092
Initial rate 1.26% then 3.59% (variable) ?
Monthly repayments £ 1,166 ?
Type/Duration Variable ?
Scheme fees £1,025 ?
Cost comparison £29,016 ?

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 2% until 30-06-21, 1% until 30-06-22

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 1.26%, and then on a variable rate for 22 years and 10 months at 3.59%. This would require 26 payments of £1,166.28 and 274 payments of £1,485.78. The total amount payable would be £438,452 made up of the loan amount plus interest (£137,427) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.23% APRC representative.

0344 346 3672 or Enquire now

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