What are the benefits of using an online mortgage broker like John Charcol?

Here at John Charcol, we have access to the whole of the market.

You could use our site to find what looks like the right mortgage, and then apply directly to the lender. However, this won't normally save you money, you may not actually qualify for the mortgage - and in fact it could be cheaper through us!

And, many of our mortgage exclusives are not available directly from the lender.

Our aim is to provide you with top quality service from a dedicated team and we have worked hard to speed up the application process. We believe you will find it a more rewarding (and less stressful!) experience to let us help you through the mortgage and home buying maze. Find out more about John Charcol and the service we offer.

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.