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

4.85 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

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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.

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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%

1922 Total reviews

4.85 Average rating

  • 5

    Daniel Dordan-Pike is exceptional. Quick, effective and proactive with everything from start to finish. We discussed my options on Wednesday afternoon and he had me a mortgage offer by Friday Morning of the same week!!! Unbelievable, never going anywhere else again! Then his support staff, Samanatha Walker and Samantha Remfry where just as good - Totally top draw company and people.

    Posted
  • 5

    This company are the best, They are very professional and supportive, during the process of buying our own house, from the first step to the final step, Adrian has been very helpful, when I am confused or don't understand anything, I will give him a ring and he picks up straight away as i called him. Adrian and Megan have been of a very great help, updating us and most especially the challenging times when we almost gave up, they were there to support us. I recommend John Charcol and I will use them again and again. Thank you guys you are so amazing.

    Posted
  • 5

    I worked with Lawrence to find both (i) a mortgage for a new house purchase and (ii) to put in place a let-mortgage on my existing flat. Lawrence delivered a great result and was quite simply outstanding throughout. I would recommend him to anyone (and have!)

    Posted
  • 5

    Razz was our mortgage advisor and was great from the outset! He took on board everything we asked for and was able to secure us a product that suited our circumstances. Razz was always on the end of the phone for reassurance throughout our whole buying process, even when I was having a meltdown when our exchange of contracts fell through although this wasn't even his remit! thankfully with his calming voice and professionalism he reassured me it was just a blip, we are thankfully is our dream home and we have Razz to thank massively for all his help guidance and support on our journey. Highly recommended and we will definitely be in touch in the future, Charcol you have a diamond in Razz 🙂! ⭐⭐⭐⭐⭐

    Posted
  • 5

    I spoke to Manny about possible mortgage options. The service was excellent. Very knowledgeable. It was great to receive that level of service. I have high confidence in taking things forward.

    Posted
  • 5

    We recently completed the purchase of a home with Sarah Dormer acting as our mortgage broker. She is wonderful! From our first conversation in 2019 when we were just thinking of buying a home, to helping advise us throughout the pandemic in 2020, and into 2021, Sarah has been incredible. As first-time buyers we felt like she was truly invested in our success. She and her colleague Michelle were quick to respond to any question or update to our mortgage offer, so much so that our estate agent asked if she could refer Sarah's details to her other clients. Buying a home can be stressful and uncertain, but we always felt confident that Sarah and Michelle could help guide us through it. Thank you so much!

    Posted
  • 5

    Louise Cheatle and Daniel Dordan-Pike have been extremely helpful and diligent in getting our sales and purchase complete, even with he mortgage company putting a spanner in at the last minute! thank you both for always being available and following up to ensure the mortgage was sorted out.

    Posted
  • 5

    Just fantastic service from start to finish. Steven was extremely knowledgeable and was able to take through all options to ensure we were comfortable with our decision.

    Posted
  • 5

    Excellent Service. They are truly worth every penny.

    Posted
  • 5

    Our dealings with John Charcol could not been any better. From day 1 we were kept informed of everything for our mortgage application until it was completed. The team were fantastic and a special thank you to Samantha for looking after us through the journey.

    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 mortgage industry and have won many awards for our hard work and contributions. We set the benchmark for excellent service.

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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