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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.

Excellent

4.85 Average rating

4.83 Average rating on Reviews.co.uk

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

Send Us an Enquiry

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:

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.

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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.

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Moving House

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

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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.

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Commercial Mortgages

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

More Info

Self-Employed Mortgages

How will being self-employed affect your mortgage? Ask us. We’ll explain everything.

More Info

Expat Mortgages

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

More Info

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

Excellent

90%

1979 Total reviews

4.85 Average rating

  • 5

    Very good service from Randeep. Always provided me with an update when requested one. Thank you for your hard work.

    Posted
  • 5

    Had Mortgage declined from a bank, found John Charcol online and spoke to Darren, brilliant person and guided us to a perfect mortgage @ a brilliant rate. Will definitely recommend to all family & friends.

    Posted
  • 5

    Excellent service. Polite, responsive and transparent about their costs. Throughout the service they have been proactive and made things happen without putting any pressure on us. Would highly recommend them.

    Posted
  • 5

    Excellent and responsive service in navigating an involved purchase.

    Posted
  • 5

    Clear, effective and proactive advice. 2 great mortgage deals in 4 years, won’t hesitate to use them again!

    Posted
  • 5

    We have used John Charcol for years and recommended to family and friends for mortgage advice. Always helpful and will search out the best option

    Posted
  • 5

    We received excellent customer service from everyone at John Charcol. Our circumstances weren't straight forward but Andrew worked with us to ensure we got a mortgage deal which suited our needs. We were particularly impressed with the attention to detail early on in our conversations which ensured that the mortgage process was quick and smooth when purchasing our house. Communication has been fantastic throughout. We would definitely use John Charcol in the future and are happy to recommend.

    Posted
  • 5

    I dealt with Kathryn Toomer who arranged my mortgage. My case wasn't completely straightforward but Kat worked really hard to secure me an excellent deal with a high street bank and stuck with it over a protracted sale and purchase process. I cant recommend highly enoough.

    Posted
  • 5

    Scott Barron was fantastic start to finish. Him and his team couldn't do enough for us. Would definitely recommend to a friend. Thank you Scott!

    Posted
  • 5

    Randeep Sodhi was first class. Got us a very good deal with HSBC. Worked extremely hard to get it whilst holding some other offers in the background as a reserve. Many thanks Simon

    Posted
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.

Try Our Mortgage 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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