The changes in the current property market make it essential to review and renew mortgage terms. Many of us are paying far too much. CountryClubuk Members have direct access to the UK 's leading mortgage experts, John Charcol, who can give Members expert advice and find the most competitive mortgage deals.
We have an exclusive arrangement for all Members who arrange a mortgage through John Charcol. A fixed fee of just £199 has been negotiated. John Charcol usually charges a fee for mortgage advice which is offset by the commission received from the lender. The typical amount a client pays is 0.22% of the loan. The precise amount depends on circumstances. Alternatively, there is a fee-only option, which is typically 0.63% of the loan amount, and John Charcol will reimburse you the commission received from the lender. However, all CountryClubuk members qualify to pay a maximum fee of just £199 whatever their mortgage amount.
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John Charcol's expertise at finding us the right mortgage helps to ensure that we pay the best price. John Charcol has access to the whole of the mortgage market—which allows them to match a mortgage to us as individuals.
In addition, we can take advantage of their exclusive mortgages, gained through years of working with lenders—and having plenty of clout in the marketplace. This means they can arrange market-leading deals and niche products for us. For example, they were the first brokers to arrange drop lock rates and developed the first divorcee mortgage.
John Charcol has won numerous awards over their 34 years of trading including the 2007 Overall Mortgage Broker of the Year, awarded by What Mortgage. Client service is key, and maintaining better-than-expected levels of service is a priority. We will be expecting them to more than live up to this for our Members!
The Press often call on John Charcol to provide insights into the mortgage market and their leading spokesman, Ray Boulger, is renowned for his unparalleled knowledge of the mortgage market. This specialist information is available to Members through regular articles.
Beyond this, a key piece of their research revealed what we always suspect for ourselves—that vast numbers of us are paying too much for our mortgage. For instance, 25% of us are still paying a lender's standard variable rate (SVR), which could be as much as 2% higher than the competitive deals on the market. Even with a relatively small mortgage of £100,000, you could save £147 a month in interest alone.
Month by month, new mortgage offers and specialist information will be available to our members, in the magazine, on the website, and via eNews. To find out more, and to be put in touch with a dedicated mortgage consultant, call Member Services on 020 7291 8600 or email email@example.com.
Please click here to see our Mortgage Health Check.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.