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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.

More Info

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.

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



2047 Total reviews

4.85 Average rating

  • 5

    Bruce Anderson, our long-standing mortgage adviser, was able to expedite two mortgage renewals both of which were completely without hassle, even in this ever-changing market. It speaks volumes about having an adviser who knows and understands his clients.

  • 5

    We were delighted with the advice we received from Randeep. The remortgage process on the flat was straightforward and we completed as planned. Thank you Randeep and the team at John Charcol.

  • 5

    John Charcol have been amazing, they have the specialest knowledge, expertise and infrastructure to make the purchase of your dream property possible. My deal was complex and challenging, yet JC presented it in a simple way that made perfect sense. They provided support through the whole of the process and communicated with all parties quickly and efficiently. I can't recommend enough anyone considering John Charcoal to assist in a property purchase. There is a reason they one of the best mortgage brokers in the UK. wishing my best to all the team at John Charcol.

  • 5

    You guys are great! Thank you Perfect Agent for connecting us!

  • 5

    Thanks to Jordan and Holly for tirelessly progressing my mortgage. Exceeded my expectations by some way.

  • 5

    The team at John Charcol are just brilliant Emily Gould and Tiara Hardy go beyond the extra mile . They do what it takes to get everything across the line . I would highly recommend them both Phenomenal service and support Thank you Tiara Emily and the team

  • 5

    Damien worked tirelessly on my behalf in what were, at times, challenging circumstances. His knowledge of available products and options enabled me to secure a really good deal.

  • 5

    Stephen is the best mortgage broker I have ever used. I am already a returning customer as he was so good with our complicated mortgage.

  • 5

    We have recently purchased a property with a bridging loan from John Charcol. The friendly and genuine assistance we received from Tiara Hardy and Emily Gould was incredible and exceeded excellence in customer service. With their empathy and patience, they prevented stress during a daunting experience. We will always be grateful for their sincere desire to help us. They are an asset to John Charcol.

  • 5

    I have used Jonh Charcol to do a remortgage for my Bungalow the service was Excellent and would recommend them to anyone l had help from Damien Smith who guided me through the process and was very good l now have the mortgage completed and lam happy

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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