The original independent mortgage broker
The original independent mortgage broker
John Charcol is the original independent mortgage broker. We have over 40 years’ experience in finding the best mortgage rates for every type of buyer.
Whether you’re investing in property or looking to buy your first home, we can help. Our expert, independent mortgage advice will make buying your home or property investment easy.
Excellent
4.85 Average rating
Why Choose John Charcol Mortgage Brokers?
We Take Care of Everything
With over 45 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 1,500 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.
IT’S SIMPLE WITH US
03304 332 927 or
How Can An Independent Mortgage Adviser Help?
Your dedicated adviser will learn about your situation and needs before narrowing down your mortgage options. Once you’re happy with our mortgage recommendation, we’ll pass you over to your dedicated client relationship manager who’ll manage the rest of the mortgage process for you.
Unlike other brokers, arranging your mortgage isn’t all John Charcol do. We help you through your entire property-buying journey. Our teams 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.
We work with more than 120 mortgage lenders, including:
Buy-to-Let
Your mortgage will affect the profit potential of your buy-to-let investment. Use our free and easy best buy tool to compare current mortgage rates.
Learn More
Remortgage
Nearing the end of your fixed term? Or maybe it’s just time for a better rate? See what mortgages are on the market right now.
Moving House
Let us take care of everything: the mortgage, the application, conveyancing, insurance, protection, removals, utilities. Make your move easy.
First-Time Buyer
It doesn’t need to be complicated. We’ll guide you through, right up to the day you move in. Take your first step towards homeownership now.
Commercial Mortgages
Specific requirements? Need your portfolio packaged? We’re specialists in commercial mortgages.
Self-Employed Mortgages
How will being self-employed affect your mortgage? Ask us. We’ll explain everything.
Expat Mortgages
It doesn’t matter how complex your case is. We’re experts. See how we can help.
The kind of specialist mortgage you need will depend on your unique situation. We’re experts in a range of specialist mortgages: commercial, self-employed, expat, bridging, offset, second charge and more. We understand what you need. Ask us about your options.
What Our Customers Say
What our customers say
John Charcol
0330 057 5173 £ Cutlers Exchange, 123 Houndsditch London EC3A 7BU
Excellent
1874 Total reviews
- 5★ ★ ★ ★ ★
Gavin
Brilliant service, both Charlotte and Becky kept me informed the whole way through the process and even did some chasing of my solicitor who was often unavailable (imagine that)! As a self employed person getting a mortgage is half the battle and they even managed to secure me a fantastic 5 year fixed deal.
Posted - 5★ ★ ★ ★ ★
Anonymous
I have just completed on my remortgage with Sarah Teff and Toni Walker at John Charcol. Sarah managed to find me a great interest rate suited for my circumstances with just 1 years self employment! Toni followed the process through to completion keeping me updated all the way and without causing me any stress. Highly recommend!
Posted - 5★ ★ ★ ★ ★
Anonymous
I have used John Charcol a number of times and am always impressed by their service
Posted - 4★ ★ ★ ★ ★
Jonathan
This has been my first contact with John Charcol and I found them helpful and prompt in sorting out my mortgage affairs.
Posted - 5★ ★ ★ ★ ★
Eilish
John Charcol was recommended to me and I can honestly say they have exceeded my expectations! My mortgage advisor, Razz, in particular has been exceptionally helpful and has been instrumental in obtaining a mortgage for my first home under very challenging circumstances. Prompt, reliable and friendly-what more could anyone ask for!
Posted - 5★ ★ ★ ★ ★
Alice
Penny Mathers and the John Charcol team did a fantastic job, guiding us through the process and helping to find a product that really worked for us, despite the challenges presented by Covid. Penny could not be more helpful, and was so attentive and responsive throughout. John Charcol were recommended to us, and we would recommend them to anyone. Responsive, approachable and good value for money!
Posted - 5★ ★ ★ ★ ★
Isaac
Agents are helpful, sincere, and extremely knowledgeable. Mr. Harris Zubair was exemplary and very professional. I would recommend them anytime. Thank you team for arranging my re-mortgage successfully.
Posted - 5★ ★ ★ ★ ★
DAVID
Very easy process with helpful advice throughout. Good communication.
Posted - 5★ ★ ★ ★ ★
Anonymous
Helpful, professional and friendly. We would recommend to friends and colleagues.
Posted - 5★ ★ ★ ★ ★
Anonymous
Kat was excellent. Very helpful responsive and attentive.
Posted
Award-Winning Mortgage Experts
John Charcol have been providing mortgage advice for a long time. We stand at the forefront of the mortgage industry and have won many awards for our hard work and contributions. We set the benchmark for excellent service.
Mortgage Resources
Mortgage Calculators
Ready to crunch some numbers? Get started with our free and easy calculators.
Mortgage Guides
We’ve got guides on everything - from remortgaging to tax on rental income. Find the information you need right here.
Compare Mortgage Rates
Look at mortgage rates on the market right now with our free comparison tools.