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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 1,830 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.


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

Specialist Mortgages

The kind of specialist mortgage you need will depend on your unique situation. We’re experts in a range of specialist lending: commercial mortgages, self-employed mortgages, expat mortgages, bridging loans, offset mortgage deals, second charge loans and more. We understand what you need. Ask us about your options.

Second Charge

Want to hang onto your current fixed rate but also release some equity? We're second charge experts.

Bridging Loan

Could bridging finance help you? 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.

What our customers say

John Charcol

John Charcol0330 057 5173£

Cutlers Exchange, 123 HoundsditchLondonEC3A 7BU



4.86 based on 2256 reviews

  • LocalBusiness

    Excellent from start to finish. We were in a bit of a unique situation to get a mortgage and Maz (Mufazzal Choudry)has been brilliant at every step. Communication has been clear and helpful and we couldn’t recommend him highly enough.

  • LocalBusiness

    We had excellent service from Samm Walker when arranging our life insurance recently. Samm was very friendly, helpful and patient with us whilst going through the whole process. Highly recommended! Thank you!

  • LocalBusiness
    Verified Buyer

    Excellent service from start to finish. From initial consultation, to getting the offer finalised, Mufazzal Choudhury was great at guiding us through the process and taking the lead on sorting everything out. Would highly recommend Mufazzal/Maz and John Charcol as a mortgage broker. Maz was open to questions at most times of the day fitting us in around our busy schedules. He's been continuously diligent, continuing to provide us revised offers and reduced rates as lenders lower their products.

  • LocalBusiness
    Verified Buyer

    As a self-employed expat looking for a buy-to-let mortgage, I needed a broker who could track down a competitive deal for niche borrower, and Charcol brokers Mark Brazier and Hollie Yeates did it. As well as finding me the perfect mortgage, they offered brilliant support throughout the process, and everything went very smoothly their end.

  • LocalBusiness

    We recently used John Charcol for the second time. This time our broker was Mark Brazier, who was brilliant throughout the whole process. He was really down to earth, which made it easy for me to discuss any concerns I had. He went through a few different options and we worked out what would best suit us. Emma Moores helped progress the purchase and was also fantastic, responding quickly to calls / emails and she couldn't do enough to help. I can't thank either of them enough. Would use again in the future without a doubt.

  • LocalBusiness

    There was no flaw in the service. From start to offer the mortgage process was smooth. As a self employed person this is sometimes difficult but Mufazzal Choudhury took the reins and delivered. From my offer on the property being accepted it was a few days until the final mortgage offer was secured. I barely lifted a finger. Maz was efficient, helpful, gave sage advice and reassuring at those times when you have your fingers crossed. He chased the bank and the underwriters and secured a fantastic mortgage deal. Right time, right cost and right now! I misread the documents and initially thought the cost of service was £99. MY MISTAKE. Although, even after I realised the correct price for the service it is still great value! Use this company, ask for Maz - you will not be disappointed. Cannot praise the service enough. A sincere thank you!


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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

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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.

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