The original independent mortgage broker
John Charcol is the original independent mortgage broker in the UK. We're award-winning with 50 years of experience in finding the best mortgage rates for every type of buyer.
Excellent
4.88 Average Rating
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.
We work with more than 120 mortgage lenders, including:
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.
Get a Conveyancing Quote
If you're purchasing a property, you'll need a conveyancer. Luckily, John Charcol can refer you to an experienced conveyancer that suits your budget and timeline.
We're a Mortgage Broker Trusted by Leading Brands
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 2,350 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
0330 057 5173£Cutlers Exchange, 123 HoundsditchLondonEC3A 7BU
Excellent
LocalBusiness2786 reviews
- LocalBusiness5
Anonymous
Verified BuyerJames was very helpful and efficient. He got us a good price and everything went smoothly
Posted - LocalBusiness5
Gita
We have been using John Charcol for several years and Randeep has always been our go-to for remarkable service, never failing to deliver, even in the most difficult and complex circumstances. We have trust in his thorough research of market rates and best available deals. Not only is he quick to respond but quick to action any processing, through to completion and we never hesitate to go back to him.
Posted - LocalBusiness5
Fiona
Verified BuyerA very professional service received from Shaun Boyle and Zerena Taylor in my remortgage to a different provider with much better interest rates. Shaun went above and beyond in giving me advice regarding my remortgage. He was very informative and answered all questions I raised. It was completed in a timely manner, on the date the other mortgage provider’s fixed deal ended. Zerena was really good at progressing the transaction and made sure she let me know when I needed to action something. Overall a very good service, and I would definitely use them again and recommend to others.
Posted - LocalBusiness5
Dave.
Verified BuyerThank you to Mohit and his team. Amazing work. Really grateful. Very professional and nice team.
Posted - LocalBusiness5
Matt
Verified BuyerI could not be more pleased with the service that John Charcol gave us as a first time buyer. Alex and Holly were excellent at guiding us through the process of getting our mortgage and setting up protection. They were responsive, clear and excellent at explaining the nuances of options so we could make informed decisions. I would recommend John Charcol to anyone looking for mortgage advise of any kind.
Posted - LocalBusiness5
Tej
Great company with great service. Randeep was very professional and kept me updated throughout the process. He went above and beyond to ensure my remortgage went through quickly with no delays. He explained everything clearly and communicated well with myself and all parties invloved to ensure a quick completion. Always a pleasure doing business with Randeep and John Charcol. I will be using them again for the foreseeable future.
Posted
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