A solid heritage

John Charcol is a mortgage broker operating by telephone and face to face providing mortgages from the whole of the market. John Charcol began life back in 1974. It grew to be one of the biggest players in the market, enjoying a reputation for quality advice and friendly service. For a brief period, between 2000 and 2004, the company was owned by the Bradford and Bingley Building Society, but John Charcol is now back in independent hands.

Ray Boulger, our mortgage spokesperson continues to be the most quoted mortgage expert in the national press and that is a testament to his knowledge and understanding.

We have provided mortgages and life insurance to thousands of satisfied customers – many of whom write and thank us. And we continue to refine the way that we do things, to make it easier for you to get advice from our expert team who take care of everything for you.

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 Services 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 Services 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 FSA 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.