About us

John Charcol, the leading independent mortgage broker

John Charcol is not just any old mortgage company – we are an independent mortgage broker. Unlike a mortgage company that can only offer you their own products, we search the whole market and bring you the best products from all lenders. It’s something we have been doing for years, and something we have won many, many awards for. 

John Charcol has become the UK’s leading independent mortgage broker by consistently providing a fast, uncomplicated service for people who are often in a hurry and just need someone they can trust to take care of the details.

What makes us different?

  • So much more than a comparison site
    At John Charcol, you can find the best mortgage rates and enjoy exclusive deals from the entire market. And we have expert advisers on hand to help you throughout the process. No other comparison site or online mortgage company can offer all that.
  • So much more flexible than a mortgage company
    We offer hundreds of products from the whole market, giving you great choice from a selection of the best the UK has to offer.
  • So much more nimble than a high street provider
    We use our power as the UK’s leading mortgage broker to negotiate exclusive deals, push deadlines with lenders and liaise with solicitors and valuers on your behalf to make it all happen.
  • So much more human than the rest
    We’ve become the UK’s leading mortgage broker by providing fast intuitive service on the phone whenever you may need it. You won’t get that anywhere else.

Terms & conditions

Your initial mortgage consultation is obligation free. There will be a minimum fee for our mortgage service of £450, of which £150 is payable when you apply, and we will retain the commission from the mortgage lender. Alternatively, you can choose the fee only option which is typically 0.65% of the amount borrowed. The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

Legals

John Charcol is a trading style of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Conduct Authority; our registration number is 147692. John Charcol Associates LLP is an appointed representative of Towergate Financial (West) Ltd, which is authorised and regulated by the Financial Conduct Authority.  Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN. Registered in England No: 02292688.  This mortgage site is only directed at persons within the UK.   The FCA does not regulate some investment mortgage contracts.  Calls may be recorded for training and monitoring. Max call charge from a BT landline is 3.9p per minute. Calls from other networks may vary.