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

Enquire Now

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.

Learn More

Moving House

Let us take care of everything: the mortgage, the application, conveyancing, insurance, protection, removals, utilities. Make your move easy.

Learn More

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.

Learn More

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%

1944 Total reviews

4.85 Average rating

  • 5

    John @John Charcoal couldn’t have been better. Highly professional, quick response rate, accurate and timely advice. Very happy all round.

    Posted
  • 5

    Absolutely brilliant. It has been a very long road to finally owning my own home but Randeep has been there all along and just at the end of the phone. The mortgage process was very slick and they found me solicitors and a company who sorted out all my utilities too. Couldn’t recommend them more!

    Posted
  • 5

    Chris L at John Charcol recently helped us as first-time Homebuyers. Not only did Chris find us a brilliant deal that enabled us to find our dream home, he was also very friendly, knowledgeable & helpful throughout the entire process - perfect if like us you've not done this before! 10/10 would recommend Chris.

    Posted
  • 5

    Scott Barron provided an amazing service for a few key reasons. Firstly, as a Kenyan resident (ex UK), he found a product for me. This wasn't easy to find and certainly took time to get approved. Scott was constantly in touch, updating me all the time and pushing the lender for confirmation regularly. Felt like he was really taking care of my interests. I'm very grateful to Scott and the team at Charcol.

    Posted
  • 5

    I have just done my second mortgage application with Scott Barron and as usual his service was first class. He has helped me outside of his normal working hours and his determination to get the best for me was faultless again. I will always use Scott for my mortgage needs. Toni was also excellent and communicated throughout professionally and made the process simple for me. Can’t recommend highly enough.

    Posted
  • 5

    I would highly recommend John Charcol. Emily and Andy Cairns were brilliant! Emily was always available to explain and assist with what was not an easy situation and I am happy to have exchanged and completed on my new house. Many thanks to both of them

    Posted
  • 5

    Scott Barron and Chantelle Parker were extremely helpful and communicative throughout the process. They helped me find solutions to my slightly complex mortgage situation. I would refer family and friends to Scott and Chantelle.

    Posted
  • 5

    Excellent service and support. This was a somewhat complicated re-mortgage, but we were supported at all times and the process was very smooth and successful.

    Posted
  • 5

    Ryan Guy at John Charcol helped me out recently and was absolutely fantastic. He diligently contacted about 40 mortgage providers and gave me good, clear, helpful advice. He regularly called and emailed me with updates. Top bloke and top service

    Posted
  • 5

    We had the pleasure of using John Charcol for the purchase of our first home. They made everything so simple for us. From sourcing our mortgage to finally getting us over the line on completion Day. Norbert and Samantha worked tirelessly. They chased our solicitors at every opportunity and kept us up to date on a daily basis. If one of them wasn’t in, they handed over to a colleague to make sure there was continuity at all times for us. I would definitely recommend John Charcol and I would certainly not go anywhere else myself.

    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.

Try Our Mortgage Calculators

Couple browsing computer

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

Piggy bank

Compare Mortgage Rates

Look at mortgage rates on the market right now with our free comparison tools.

Search all Mortgage Rates

You are currently offline. Some pages or content may fail to load.