This page is your one stop shop for the latest mortgage deals. Here you'll find John Charcol's Mortgage Best Buys which is powered by Mortgage Brain and features our picks for the top current 2 and 5 year fixed products on the market for residential purchases and remortgages at different headline LTVs (loan-to-values). You'll also find our tool to compare mortgage rates for a tailored overview of the products available to you.
This page was updated on 16/9/2024.
Residential Purchase Best Buys
2 Year Fixed Mortgage Rates
LTV | Lender | Rates | Product Fee |
|---|---|---|---|
60% | TSB | 4.09% | £995 |
75% | TSB | 4.19% | £995 |
90% | Virgin Money | 5.09% | £995 |
95% | Clydesdale Bank | 5.36% | £499 |
5 Year Fixed Mortgage Rates
LTV | Lender | Rates | Product Fee |
|---|---|---|---|
60% | NatWest | 3.77% | £1,495 |
75% | NatWest | 3.93% | £1,495 |
90% | Virgin Money | 4.54% | £995 |
95% | Nationwide B. Society | 5.04% | £999 |
Residential Remortgage Best Buys
2 Year Fixed Remortgage Rates
LTV | Lender | Rates | Product Fee |
|---|---|---|---|
60% | TSB | 4.14% | £1,495 |
75% | TSB | 4.29% | £1,495 |
90% | Leek B. Society | 5.19% | £995 |
95% | Clydesdale Bank | 5.36% | £499 |
5 Year Fixed Remortgage Rates
LTV | Lender | Rates | Product Fee |
|---|---|---|---|
60% | Natwest | 3.92% | £995 |
75% | Virgin Money | 3.99% | £895 |
90% | Leek B. Society | 4.75% | £995 |
95% | Clydesdale Bank | 5.02% | £999 |
John Charcol Best Buys
Welcome to John Charcol's Best Buys, powered by Mortgage Brain!
At John Charcol, we understand that finding the right mortgage can be a daunting task. That's why we've launched the John Charcol Best Buys powered by Mortgage Brain - to regularly bring you up-to-date selections of top mortgage deals.
What Is John Charcol's Best Buys?
John Charcol's Best Buys above is essentially a group of tables showing you our top deals of the day, with the lowest rates and product fees. We frequently update this page to ensure we bring you the latest products in a simple and straightforward way, without you wasting time sifting through hundreds of products.
What does this mean? Well, our experts have done their research and gathered their picks for the best deals of the moment for residential purchases and remortgages. Here you'll find the top 2 and 5 year fixed mortgage rates for first-time buyers and remortgages at 60%, 70%, 90% and 95% LTVs.
Who Are John Charcol?
John Charcol were established in 1974 and we are the original independent mortgage broker. This means that with nearly 50 years in the industry, we are known as mortgage experts across the country and have helped thousands of people finance their properties.
At John Charcol we work with all sorts of lenders, from main high street ones to the more specialist smaller ones. We can help you find lending no matter your situation - first-time buyer, homemover, remortgaging, buy-to-let, self-employed, contractor, commercial, buying at auction, expat, bad credit and much, much more.
Our job is to take care of the mortgage process for you. We learn about your situation, find you the best deal for your circumstances, put your mortgage application together and submit it, continue to manage it and liaise with the lender, ultimately guiding you through the journey until you complete on your property. We can also help you arrange mortgage protection, insurance, removal services, set up utilities and more.
PR Requests
Contact us at PR@JohnCharcol.co.uk for comments from our experts Ray Boulger and Nick Mendes.
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Who Are Mortgage Brain?
For over 3 decades, Mortgage Brain has been at the forefront of mortgage technology in the UK, developing products which help intermediaries and lenders seamlessly match their clients with the perfect mortgage solutions, from straightforward residential mortgages to specialist loans, such as buy-to-let. With so many mortgage options available and every borrower having their own criteria and individual needs, sourcing and securing a mortgage can be a complex process. Thankfully, for Mortgage Brain’s 15,000 daily intermediary users, this process has been greatly simplified through the technology provider’s integrated suite of sourcing, criteria, submissions and CRM software solutions. As a result, intermediaries can be confident that their clients have greater certainty earlier in their search for a mortgage. Mortgage Brain is backed by some of the largest lenders including Barclays, Lloyds Bank, Nationwide Building Society, NatWest Group, Santander, and Virgin Money.
Compare Mortgage Rates from Over 120 Lenders
For a tailored overview of the products that could be available to you use our online mortgage comparison tool below. Simply enter your criteria to compare the best mortgage rates for your situation.
These are indicative figures only and may not represent all the costs associated with each product. For more information speak to one of our mortgage brokers on 0330 433 2927.
First-Time Buyer Mortgage Rates
Not sure what kind of rates are available to you as a first-time buyer? Compare rates with our mortgage best buys tool and learn about the process.
Moving Home Mortgage Rates
Here you can compare moving home mortgage rates, learn about porting vs switching to a new deal, find out what costs are involved and more.
Compare Remortgage Rates
Are you nearing the end of your fixed term? Or maybe it’s just time for a better mortgage rate? See what remortgages are on the market right now.
Buy-to-Let Mortgage Rates
Your mortgage will affect the profit potential of your buy-to-let investment. Use our best buy tool to compare current BTL mortgage rates.
How Much Can I Borrow?
Want a new mortgage but not sure what you can afford? Learn how much you can borrow based on your income with our free and easy calculator.
Stamp Duty Calculator
Find out how Stamp Duty works when you move home and how much Stamp Duty you'll pay on a new property with our calculator.
Remortgage Calculator
How much could you borrow on a remortgage based on your income? Could you release some equity? Use our calculator to find out.
Rental Yield Calculator
Not sure if you've found the right buy-to-let? Try out rental yield calculator to find out how much you could potentially earn in rental income.
First-Time Buyer Hub
Buying a home for the first time doesn’t need to be difficult. Start your homeownership journey in 3 easy steps with our hub.
Moving Home Guide
Preparing for your next move? We take you through preparing your property, what to look for in a new one and more.
Remortgaging Guide
Remortgaging for the first time? Here's everything you need to know about the process, the costs, the benefits and more.
Tax on Rental Income
How much take will you pay on the rental income you earn from your buy-to-let property? Find out how it works here.