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.

Find Out What You Can Borrow

Want to get started online before chatting to a mortgage adviser? Fill out our free online affordability calculator to get an estimate of how much you can borrow on a mortgage.

Work Out Your Deposit

Want a clearer idea of how much you need to put a deposit on a house? With our deposit calculator, you can work out how much you need to save each month to reach your goal.

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.



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 2,410 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

John Charcol0330 057 5173£

Cutlers Exchange, 123 HoundsditchLondonEC3A 7BU

Excellent

LocalBusiness

4.88 based on 2844 reviews

  • LocalBusiness
    5

    I have currently had the pleasure to work with Mark, James & Lily who are all a credit to the team. They are all down to earth and professional, they have made me feel at ease with any questions I have had, including over the phone or email. I would highly recommend, Thanks Guys :)

    Posted
  • LocalBusiness
    5
    Verified Buyer

    My partner and I were first time buyers, and the help we have had from John Charcol has been second to none! Penny Ives has been a wonderful mortgage broker and helped secure us an offer we were happy with, giving us loads of support and updates throughout the process. David Donaghy, along with Lily Rechert have also helped us with income protection and life cover, and have also been great throughout, providing help and information whenever needed and helping us get the cover we need. Thanks again, and I would recommend John Charcol to anyone looking to buy a house!

    Posted
  • LocalBusiness
    5
    Verified Buyer

    We worked with Shak Bhairon as our mortgage broker during the almost 12 months it took to complete our sale, and we couldn’t have asked for anyone better. As first-time buyers, we ended up facing an unexpectedly stressful and complicated sale with endless delays, but Shak was our constant source of guidance, reassurance, and determination. She kept us informed at every stage, worked tirelessly behind the scenes to keep things moving with solicitors and lenders, while also continually securing the best possible mortgage rates throughout the process. Her professionalism was matched by her kindness, patience, and unwavering positivity, which honestly kept our spirits up during what was sometimes an incredibly overwhelming and emotional process. Shak was a trusted advisorand we're so grateful for her hard work, expertise, and the personal touch she brought to our home-buying journey: we couldn’t recommend her highly enough.

    Posted
  • LocalBusiness
    5
    Verified Buyer

    The support from Holly Grant was superb in helping us achieve our Life Insurance goals - not rushed and great attention to detail - Holly took great care to find the right solution for us. We are very grateful for her help and support. I would highly recommend Holly to anyone. I also thank Darren Small for the intro after all of his superb help initially with out mortgage - great firm!

    Posted
  • LocalBusiness
    5

    Shaahid Quinn and Zerena Taylor were both extremely helpful, giving me excellent advice and managing the process with great professionalism. I would highly recommend.

    Posted
  • LocalBusiness
    5
    Verified Buyer

    My mortgage application was not a straightforward one, my age and the fact that all my earnings were from overseas were the main contributing factors. However with the help of Shak I was able to get over the line and am now in my new home ! I cant recommend the services of John Charcol and Shak highly enough. Safe hands !

    Posted