
Speak to a Mortgage Adviser
Fill out this form and we'll contact you to book a free call with one of our mortgage experts.
First-Time Buyer
It doesn’t need to be difficult. We’ll guide you through, right up to the day you move in. Start your homeownership journey in 3 easy steps.
Remortgage
Near the end of your fixed term? Or maybe it’s just time for a better mortgage rate? Make your remortgage simple with our Remortgage Hub.
Moving Home
Let us take care of everything: the mortgage, the application, conveyancing, protection, removals, utilities. Make your move easy.
Buy-to-Let
Your mortgage will affect the profit potential of your buy-to-let investment. Use our best buy tool to compare current mortgage rates.
Second Charge Mortgages
Want to hang onto your current fixed rate but also release some equity? We're second charge experts.
Bad Credit Mortgages
Worried about getting a mortgage with bad credit? Here's everything you need to know.
Ask Our Mortgage Experts
Get answers to complex mortgage questions, directly from our experts.
Mortgage Calculators
Ready to crunch some numbers? Get started with our free calculators.
Mortgage Affordability
Want know how mortgage affordability works and how much mortgage you can afford? Read our guide and see our Affordability Hub.
Mortgage Deposits
You'll usually need a deposit when you take out a mortgage. Here you'll find information on mortgage deposits and a range of resources.
Specialist Property
Need the right mortgage for a specialist property? Learn about mortgages for non-standard construction properties, houses with abestos and more.
Mortgage Protection
What happens if you can't make your mortgage payments due to an accident or illness? Here's why you need protection.
Expat Mortgages
It doesn’t matter how complex your case is. We’re experts. See how we can help.
Insurance Hub
Our experts can find cover tailored to you for your mortgage, income, family and more.
Compare Mortgage Rates
Compare mortgage rates on the market now with our free comparison tools.
Self-Employed
Freelancing or self-employed mortgages can seem complicated, but don't worry - we make it simple.
How Can an Independent Mortgage Broker Help?
We’re a whole of market mortgage broker covering the UK and Northern Ireland which means we’re not tied to any lenders; we look at products from across the entire market to find the best deal for you. Your John Charcol mortgage adviser will learn about your situation and explain your mortgage options before making a product recommendation. Once you’re happy with your recommendation, we’ll pass you over to your client relationship manager who’ll manage the rest of the mortgage process for you.
Unlike other UK mortgage brokers, finding and arranging the best mortgage for your circumstances isn’t all John Charcol do. We help you through your entire property-buying journey. Our team can find you conveyancers, insurance and protection cover. We can also help you move into your new home and set up things like utilities and Council Tax.
Ready to get started? Contact us today for the best independent mortgage advice.
Why Choose John Charcol Mortgage Brokers?
We Take Care of Everything
With 50 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 2,440 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.
What Our Customers Say
See more John Charcol reviews here.
John Charcol

Cutlers Exchange, 123 HoundsditchLondonEC3A 7BU
Excellent
LocalBusiness2877 reviews
- LocalBusiness5
Anonymous
We had the absolute pleasure of working with Lisa Gilsenan to secure a mortgage for our new home, and we truly couldn’t be more grateful for her support throughout the entire process. From the very beginning, Lisa was a constant source of knowledge, guidance, and reassurance. She made what could have been a stressful experience feel smooth and manageable. Her professionalism, patience, and genuine willingness to help made all the difference. No matter how many questions we had (and we had plenty!), Lisa was always just a call or message away—ready to respond with clarity, care, and a smile. She went above and beyond at every stage, and her dedication truly stood out. Even though we purchased our home through different estate agents who recommended their own mortgage advisors, we confidently chose Lisa—and it was the best decision we could have made. She acted solely in our best interest and handled everything with absolute expertise and integrity. We wholeheartedly recommend Lisa to anyone in need of mortgage advice or support. You will be in the most capable and caring hands!
Posted - LocalBusiness5
Anonymous
Knowledgeable, attentive and very helpful
Posted - LocalBusiness5
Fazal
Great team These people soon for me Mortege's issue solved And very soon my mortgage was approved at a low rate I am very thankful to these people
Posted - LocalBusiness5
Molly
I had the pleasure of dealing with David Pudney at John Charcoal. Unfortunately my house buying journey wasn't smooth, but David was incredibly supportive, really friendly and got things done really fast. He was also really communicative, emails answered very quickly. Thank you!
Posted - LocalBusiness5
Jeremy
Always very happy with John Charcol's service. Ezra Le Mon and Fiona Allan have been assisting us with our mortgages for years now. Ezra has always found us the best rate and most suitable products on the market, quickly and easily. Fiona has always ensured that our applications get processed smoothly and on time, and provides regular updates as things progress. Great, clear, responsive communications and very good advice. In a world where I'm regularly let down by inept customer service, I honestly couldn't be happier to have such expert, competent people at John Charcol to rely on!
Posted - LocalBusiness5
Ross
Verified BuyerMy adviser Mohit was excellent - he went the extra mile to research and recommend a life insurance policy that truly meets my needs.
Posted