The original independent mortgage broker
John Charcol is the original independent mortgage broker in the UK. We're award-winning with nearly 50 years’ experience in finding the best mortgage rates for every type of buyer.
Excellent
4.9 Average Rating
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We work with more than 120 mortgage lenders, including:
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 2,020 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
LocalBusiness2450 reviews
- LocalBusiness5
Josh
John Charcoal have provided me and my partner with a very prompt, professional and friendly service and have taken care of our every need. I am very happy with the service provided by Mohit Patel, and would definitely recommend to family and friends.
Posted - LocalBusiness5
Sian
Stephen was clear, concise, friendly and polite at all times. I was very happy with the advice and the product he found for me. Thank you so much for making the process simple and stress free.
Posted - LocalBusiness5
Anonymous
Verified BuyerTom, in the protection advice team, was incredibly helpful. He was so patient to run through everything with me, given that it was my first time doing this before. He answered all my questions and made sure all the information was correct and gave me the best option for my circumstances. Would highly recommend using them for Life Insurance and Critical Illness advice!
Posted - LocalBusiness5
Faith
Verified BuyerThis was our first property purchase. Hazvi was really helpful with explaining the mortgage process in full, advising us as we started to get familiar with the process and then helping us get a great offer. Tom set us up with mortgage protection and he was so helpful with providing illustrations and discussing our options with us. Both were very informative and responded to our many queries throughout the process, which helped to ease our anxieties along the way. I would highly recommend them!
Posted - LocalBusiness5
Anonymous
Lisa was great from start to finish. It was my first property purchase, and she was extremely attentive throughout. Highly recommend.
Posted - LocalBusiness5
Anonymous
Samm talks on a personal level and takes an active interest in me as a person as well as a client. I feel she has my interests in mind during our discussions.
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 with our first time buyer hub.
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 Home
Let us take care of everything: the mortgage, the application, conveyancing, insurance, 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
Want to hang onto your current fixed rate but also release some equity? We're second charge experts.
Bad Credit
Worried about getting a mortgage with bad credit? Here's everything you need to know.
Expat Mortgages
It doesn’t matter how complex your case is. We’re experts. See how we can help.
Self-Employed
Freelancing or self-employed mortgages can seem complicated, but don't worry - we make it simple.
Mortgage Calculators
Ready to crunch some numbers? Get started with our free and easy calculators.
Mortgage Guides
Find guides on everything from remortgages to tax on rental income and more.
Mortgage Rates
Compare mortgage rates on the market right now with our free comparison tools.
Ask Our Experts
Get answers to complex mortgage questions, directly from our experts.
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
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Add-on services from John Charcol
Home 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.
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
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
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.