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
4.9 Average Rating
Speak to a Mortgage Adviser
Fill out this enquiry 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:
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 2,150 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
LocalBusiness2579 reviews
- LocalBusiness5
Fergus
Verified BuyerRandeep is an outstanding mortgage broker who made the entire home loan process smooth and stress-free. He took the time to understand my financial situation and found me a great mortgage rate, offering options tailored to my needs. I highly recommend Randeep. Fergus
Posted - LocalBusiness5
Emmanuel
Lisa displayed amazing Excellent professional service from start to finish keeping us informed throughout the journey.she made the processes super quick. I will definitely recommend you to as many as I can. Keep up the excellent service.
Posted - LocalBusiness5
Anonymous
Verified BuyerExtremely helpful and would definitely recommend their services to anyone. Many thanks to Matthew Daly, Ryan Goodall and Dan White for their efficiency throughout.
Posted - LocalBusiness5
Anonymous
Verified BuyerWonderful, efficient, common sense service. I will use this company every time. Sara
Posted - LocalBusiness5
Samantha
HIGHLY RECOMMEND. We are very happy and very grateful for John Charol(Dipak) help. I seem to have met an angel ,You can't imagine his professionalism. It can not only be described with pen and paper. You can only know it through from your personal experience. Very thankful-Dipak.
Posted - LocalBusiness5
David
Verified BuyerVery professional and kind staff. I would have been seriously lost without them. Thank you Keri, Mohit & Nicola. Great jobs.
Posted
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
Nearing the end of your fixed term? Or maybe it’s just time for a better mortgage rate? See what mortgages deals are on the market right now.
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.
Mortgage and Property Guides
Find guides on everything from remortgages to tax on rental income 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.
We're a Mortgage Broker Trusted by Leading Brands
Insurance and Protection with John Charcol
As well as arranging your mortgage, we can help you organise your life insurance and protection. Our experts can find cover tailored to you for your mortgage, income, family and more. Simply visit out Insurance and Protection Hub for all sorts of resources to get you started!
Building and Contents Insurance
Do you want new home insurance to go with that new mortgage? Our in-house team can arrange bespoke buildings and contents insurance to suit your new requirements.
Life Insurance and Protection
With John Charcol, you’ll have the option of speaking to your very own expert protection adviser who’ll learn about your situation and find the right cover for your needs.
JC Legal - Conveyancing
We can find you a solicitor for the conveyancing part of the process with JC Legal. We choose from an exclusive panel of carefully selected solicitors and conveyancers.
Equity Release Options
Your home is possibly the biggest asset you have. Find out whether you can release money from your home with John Charcol's partnership with Key Retirement.
Nick Mendes’ Blog
