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The original independent mortgage broker

John Charcol is the original independent mortgage broker in the UK. We have over 45 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, our mortgage advisers can help. Our expert, independent mortgage advice will make buying your property easy.


4.85 Average rating

4.83 Average rating on

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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, 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.


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How Can an Independent Mortgage Adviser Help?

Your mortgage adviser will learn about your situation and explain your mortgage options before making a product recommendation. We’re a whole of market mortgage broker 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. 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.

We work with more than 120 mortgage lenders, including:


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.

Buy-to-Let Mortgage Rates


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.

Compare Remortgage Deals

Moving House

Let us take care of everything: the mortgage, the application, conveyancing, insurance, protection, removals, utilities. Make your move easy.

Moving House Mortgage Rates

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.

First-Time Buyer Mortgage Deals

Commercial Mortgages

Specific requirements? Need your portfolio packaged? We’re specialists in commercial mortgages.

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Bridging Loan

Could Bridging Finance Help You? Ask us. We’ll explain everything.

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Expat Mortgages

It doesn’t matter how complex your case is. We’re experts. See how we can help.

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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.

View All Specialist Mortgages

What Our Customers Say

What our customers say

John Charcol

John Charcol0330 057 5173£

Cutlers Exchange, 123 HoundsditchLondonEC3A 7BU



2032 Total reviews

4.85 Average rating

  • 5

    We are very grateful to Harry Limburn and Emily Gould for their assistance over the last few weeks in procuring our bridging loan. The works to our house are now underway. Efficient, friendly, encouraging, thoughtful …… we could go on but you get the gist! Based on the was that they looked after us I would thoroughly recommend John Charcol to anyone.

  • 5

    Friendly, competitive, flexible, and made the whole process easy to navigate! Damien worked tirelessly to find us the best rate and terms for a mortgage suited to our needs, and made sure we had very regular updates on the progress of our application from start to finish.

  • 5

    Damien was brilliantly helpful and made the whole process stress free. Excellent service.

  • 4

    Gracias a todos puntualmente

  • 5

    I had a complex mortgage requirement that I couldn't get ant other broker to help with Shaahid picked it up and managed to get a lender that could get us the finance we needed Absolutely now way this would have happened without his help

  • 5

    Steven was really helpful throughout the whole process. Always available to discuss any queries I may have and explain everything in an appropriate way. I would wholly recommend his services.

  • 5

    Recently contacted Andrew Ireland from John Charcol to help with remortgaging my daughters property and changing details of ownership. From the beginning, he was extremely helpful, professional and informed us of the ongoing process. Any queries were promptly answered and the whole experience was a positive one. I would definately recommend Mr Ireland and will use him again, if required.

  • 4

    competent salespeople make concessions to people very satisfied with their work

  • 5

    I just completed on my first property and am immensely satisfied to have had Jon Charcol as my broker. Katie Thomas and Maisie Reeves looked after my mortgage application, and I'm very grateful to them for the service they provided. Katie was able to clearly articulate the complicated world of mortgages to me when it was wholly new and unclear. Her advice I trusted, and this is invaluable as a first time buyer. Maisie dealt with my application during the closing stages and was very personable in her communication and interaction with the agents and solicitors. This was also greatly appreciated. One area for development would be a little more communication with the client in relation to expected timescales for the mortgage offer. That said, I'm still highly satisfied with the services provided, and will remain a client in the future. Thank you both!

  • 5

    We dealt with Darren and Holly for a bridging loan. They were both very helpful and made the application straight forward. Barclays Bank delayed the completion of the transaction and we have been told that is usual for Barclays! However the persistence of the John Charcol team saw it through successfully. We would recommend John Charcol to anyone who wants a bridging loan. Anna and Dick Horsnell

Best Broker Award

Award-Winning Mortgage Experts

John Charcol have been providing mortgage advice for a long time. We stand at the forefront of the UK mortgage industry and have won many awards for our hard work and contributions. We set the benchmark for excellent service as one of the best mortgage brokers in the UK.

More About John Charcol

Mortgage Resources

Mortgage Calculators

Mortgage Calculators

Ready to crunch some numbers? Get started with our free and easy calculators.

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Mortgage Guides

We’ve got guides on everything - from remortgaging to tax on rental income. Find the information you need right here.

Read Our Mortgage Guides

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Compare Mortgage Rates

Look at mortgage rates on the market right now with our free comparison tools.

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