Website: Charcol
Phone: 0800 71 81 91
A John Charcol mortgage is independently sourced; the range is as extensive as possible, fees are low and the site is efficient and helpful. A first class service from a big player.
John Charcol is one of the largest independent financial advisers in the UK. As such, they don't sell their own products, but recommend best buys from other sources. Your initial consultation with John Charcol is obligation free. There is a minimum fee for their service of £350, of which £150 is payable when you apply, and they will retain the commission from the lender. Alternatively, you can choose the fee only option which is typically 0.63% of the amount borrowed. The precise amount will depend on your circumstances and loan amount, and will be discussed and agreed before you make an application.
A very wide range is available, including complex mortgages whose costs are offset against international exchange rates; so seek their expert advice before buying if you feel you're in deep water. However, the enormous range of John Charcol mortgage options does mean there are mortgages to suit every need, including 100% borrowing for those without much capital through to investing in overseas property.
Comprehensive tools include not just a borrowing calculator but also answers to "How much could I save by remortgaging" and a very useful "What mortgage suits me?" (try that first!)
Don't look for a mortgage without trying the John Charcol mortgage site at least once.
