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
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 HoundsditchLondonEC3A 7BU
Excellent
1957 Total reviews
- 5★★★★★
Anonymous
My advisor, Randeep, had helped me with a couple of purchases now and has always come up with great solutions. Highly recommended.
Posted - 5★★★★★
Katie
Randeep was brilliant at explaining exactly what we needed to do for our remortgage and at finding us the right mortgage provider and rate. We're very happy with the service!
Posted - 5★★★★★
Chandos
Randeep Sodhi’s service was excellent every step on the way. It wasn’t the most straightforward transaction, and he was very patient and resourceful at getting things sorted. Would highly recommend Randeep in particular.
Posted - 5★★★★★
Jordan
This review has taken me much much longer than it should have done, but when moving in a new home life becomes hectic for a while. However, we first contacted Razz over a year ago now, and have recently (a month or so) moved into our house. I can not express enough how easy going Razz was, how quick he got things done but also how laid back he was and wasn’t pushy when we laid back on the house move in the middle of it. When we did get back in contact, he was very quick to start where we had left things. Razz is the most friendliest person throughout the whole house move I have had to deal with, things were always straight forward for him, never a worry on our side and no job was too big for him to complete for us. With being first time buyers and a young couple, there was a lot that was understood as easy on our behalf, but Razz made that very straight forward and spoke in plain English to explain a lot easier to us. Both me and my partner are overwhelmed by his help and without him, the mortgage side of things would have not been as easy, let alone the best deal we could have wished for. I for one was really impressed when we got the figures back. Towards the end of the house move things started to drag and become quite stressful, which had nothing to do with Razz, however, I contacted him with my concerns and straight away he contacted the relevant people and all of a sudden things got moving very quick and in the week we had a moving in date. I will forever recommend Razz to anyone I know who may be moving house. Thank you for the bottom of our hearts to John Charcol and especially Razz for making our lives that little bit easier, being so very friendly and just one call away on every little question or situation I had. Razz your the best at what you do and we will forever be in your debts for making a first time buyer at so much ease with everything. We both really can’t thank you enough, when some companies we used were hard work, YOU lifted a massive weight of our shoulders by working along side you! Your not only known as amazing by us but also by a lot of others I know! Thanks again! Jordan and Lee.
Posted - 5★★★★★
Marlon
John Charcol have been absolutely amazing! As first time buyers especially in these uncertain times, we were really anxious about getting on the property ladder but our mortgage adviser Lawrence was brilliant in answering all of our questions and making sure we were comfortable with all of our decisions. Samantha was also fantastic with explaining all our options regarding insurance policies and the “serious stuff” which made the whole process much easier to understand! We couldn’t recommend John Charcol more highly and are so grateful and lucky to have their expertise during our journey!
Posted - 5★★★★★
Sarah
As two young(ish) self-employed people, my partner and I weren't convinced the type of mortgage we were looking for was going to be possible for us. We spoke to a couple of other mortgage advisors first who weren't able to find the right thing for us, but after speaking to Sophie at John Charcoal, our minds were instantly put at ease. Sophie found us the perfect mortgage so we could buy our dream home in time to save on the stamp duty holiday. After that, Samantha dealt with the rest of the process right through from receiving our mortgage offer to moving into our new home. We couldn't have asked for more helpful advisors. I believe the service was well worth the money, and wouldn't hesitate to use them again in the future.
Posted - 5★★★★★
Shakkir
Really really happy with the service provided to me from John Charcol and in particular Razzak, I have already recommended them to friends and family and will continue to recommend this company to all. Professionalism was spot on and they go above and beyond to make the process easy. I was struggling to find a mortgage for a few months and after speaking with Razzak I was given a mortgage offer within under a month. Once again thank you very much for your services
Posted - 5★★★★★
Sam
John Charcol were extremely professional throughout my purchase process, I couldn’t have asked for a more responsive and efficient service. They found the right mortgage for me within a couple of days and dealt with all that comes with it at every stage through to completion, not just a mortgage advice service but a dedicated team that delivers a high quality service throughout.
Posted - 5★★★★★
E
Professional and friendly service from Randeep would recommend
Posted - 5★★★★★
Steven
Buying a home is stressful enough, particularly in the current climate, so it's great to know that you have someone fighting your corner. We've been very happy with the service and support we've received throughout and they come highly recommended.
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
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Mortgage Guides
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Compare Mortgage Rates
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