Background image
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.
Excellent
4.85 Average rating
Make a Mortgage Enquiry
As featured in:
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
0330 433 2927 or
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:
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.
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.
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
2047 Total reviews
- 5★★★★★
Michael
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.
Posted - 5★★★★★
Joanne
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.
Posted - 5★★★★★
AK
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.
Posted - 5★★★★★
John
You guys are great! Thank you Perfect Agent for connecting us!
Posted - 5★★★★★
Anonymous
Thanks to Jordan and Holly for tirelessly progressing my mortgage. Exceeded my expectations by some way.
Posted - 5★★★★★
Anonymous
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
Posted - 5★★★★★
Anonymous
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.
Posted - 5★★★★★
Eve
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.
Posted - 5★★★★★
Tim
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.
Posted - 5★★★★★
Julie
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
Posted
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.
Nick Mendes' Blog
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.