Secure your mortgage deal
Speak with one of our expert advisers, who will recommend the best rate for your needs and guide you through your application.
John Charcol’s Rate Watch Guarantee
Secure a mortgage deal today and we’ll automatically keep an eye on your chosen lender’s rates. If a better deal becomes available that fits your needs, we’ll let you know and help you switch during the process. (Lender restrictions may apply.)
If there a better deal becomes available that suits your needs, we’ll help you switch during the process.
Finding the right mortgage can feel challenging
Especially when rates, property prices, or even your own circumstances change along the way.
With John Charcol’s Rate Watch Guarantee, we’ll monitor your chosen deal for you. If a better rate becomes available that suits your needs, we’ll let you know and help you switch – so you can be confident you’re securing the smartest choice for your mortgage.
How it works
With John Charcol’s Rate Watch Guarantee, you can move forward with confidence, knowing you won’t miss out if your lender launches a better option along the way.
Our team is here through-out your mortgage process, to help advise and provide personalised support.
Ensure you get the right mortgage deal.
Sign up for the John Charcol Rate Watch Guarantee, it’s free.
Sign up to track rates
What does the rate watch mean for you?
The mortgage market can move quickly – and it’s frustrating to secure a deal only to see your lender release a better one soon after. Our Rate Watch Guarantee is designed to give you peace of mind.
Protection against missed opportunities – If your lender lowers their rates while your application is in progress, we’ll check it for you.
Confidence in your choice – You can move forward knowing you’re not locked into a deal if a smarter option comes along.
Support throughout the process – Our advisers will guide you at every step, helping you switch if it benefits you.
Best of all, it’s free – Rate Watch is included as part of our service, so you get the added reassurance at no extra cost.
With Rate Watch, you can focus on your property plans while we make sure you don’t miss out on a better deal.
Frequently asked questions
Do I have to pay extra for the Rate Watch Guarantee?
No – it’s included as part of our service at no additional cost. You get the reassurance of Rate Watch automatically when you secure a mortgage deal through John Charcol.
Will Rate Watch check all lenders?
We’ll track the rates from the lender you’ve chosen for your application. If that lender releases a better deal that suits your needs, we’ll let you know and help you switch.
What happens if rates go up instead of down?
If your lender’s rates increase, you won’t be affected. You’ll keep the deal you originally secured, giving you peace of mind that you’re protected either way.
About John Charcol
John Charcol has been helping people find the right mortgage for over 50 years.
As one of the UK’s leading independent mortgage brokers, we have access to the whole market and the expertise to match you with the deal that truly fits your needs.
Whether you’re buying your first home, moving, remortgaging, or investing in property, our advisers combine personal service with expert insight to guide you every step of the way.
Sign up to track rates – stay up to date with the latest mortgage trends and let us help you spot opportunities as soon as they appear