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
4.84 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
1806 Total reviews
- 5★ ★ ★ ★ ★
GRAHAM
Steve Prior always does a thorough and efficient job of finding the best deals and then executing them with the minimum of fuss!! Delighted with the Buy2Let renewal which has saved me loads per month on the previous deal.
Posted - 5★ ★ ★ ★ ★
Daniel
I couldn't have asked for any more given the circumstances. I started my remortgage process just before lockdown. Scott found another suitable product quickly when the one I appled for got pulled, the office also helped by posting solicitors docs to me when I couldn't print as working from home. Overall very easy to deal with, highly recommended.
Posted - 5★ ★ ★ ★ ★
Clive
Good options offered aligned to requirements; courteous and proactive service. Regular updates and preparedness to take responsibility to make things happen. Completion achieved seamlessly and efficiently. Overall excellent quality of service - recommended.
Posted - 5★ ★ ★ ★ ★
Nick
Delighted with the support provided by Charlotte and Maisie for John Charcol. They identified a really competitive product which fulfilled our requirements and managed the process to a successful conclusion. I would strongly recommend John Charcol based on our experience.
Posted - 5★ ★ ★ ★ ★
Jessica
Excellent customer service, seamless experience. Would recommend to anyone looking for an efficient service.
Posted - 5★ ★ ★ ★ ★
Rachel
We've used John Charcol for several years as we know we're going to receive great advice delivered in a timely fashion. Sener always goes above and beyond to ensure we get the best deal possible. Really couldn't fault the service. Thank you.
Posted - 5★ ★ ★ ★ ★
Shiv
Mark Nicholls is absolutely top drawer. Have worked with him on a couple of mortgage/re-mortgages and have been always very pleased with his service, professionalism and client focus.
Posted - 5★ ★ ★ ★ ★
Ben
Excellent advice throughout and very reliable. It was a long journey to getting our flat but I always felt very satisfied with the advice given and the speed of response. I always felt Bruce went the extra mile and given it was a 2 year process and rates changed, I knew Bruce was constantly getting the best rate for us. There is nothing better than being able to trust your adviser especially with lots of other variables in the process and I can’t thank him and John Charcol enough for the excellent advice and treatment throughout the process.
Posted - 5★ ★ ★ ★ ★
Vishesh
Your service was excellent quick and helpful I really appreciated your service. Thank you
Posted - 5★ ★ ★ ★ ★
Anonymous
The customer service is above and beyond the were so helpful and made everything so easy
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.