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.

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Self-Employed Mortgages

How will being self-employed affect your mortgage? Ask us. We’ll explain everything.

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Expat Mortgages

It doesn’t matter how complex your case is. We’re experts. See how we can help.

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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%

1935 Total reviews

4.85 Average rating

  • 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
  • 5

    Really happy with the service. Samantha was professional and explained everything clearly

    Posted
  • 5

    Razz was great to work with, he kept me fully updated throughout and worked hard to provide me with exactly what I was looking for. Razz kept his patience as i asked for many alterations/amendments with the mortgage offer so it was suitable. He was superb at advising me of what was needed and what to expect as it was my first mortgage! Would 100% recommend!

    Posted
  • 5

    Randeep from John Charcol was amazing, provided really great service by being very helpful and made the whole mortgage process easy and stress free. I would highly recommend Randeep and John Charcol for any mortgage advice.

    Posted
  • 5

    Excellent service. Tiara and Emily helpful and friendly, dealing with both major and minor queries with unfailing patience. Emily did a great job in pushing Harpenden despite their tardiness. Keith & Jasmine Ward

    Posted
  • 5

    Myself and my partner have recently used John Charcol to acquire a mortgage and we have received exceptional service. We received support from Reiss Brians. He has made every step of the process very clear to us and was always on hand to answer any of my questions. He went above and beyond to make sure we were happy, given that we were very nervous about the process as first time buyers. We would 100% go to him again for any future mortgage advise, and will be recommending him to our friends and family.

    Posted
  • 5

    Just completed my third remortgage, In as many months using John charcoal, As per my previous review, I stated how reluctant I was to use large broker , But with Emily Gould who I think is the best ,the effort she put in is truly great, I had quite tight deadline, She constantly kept me update Even when things were tough. The office in Southampton were also very helpful with copying documents Kathrine was very efficient getting docs back to Emily And last but not least thank you to tiara Hardy for support during the process

    Posted
  • 5

    I would definitely recommend John Charcol, we have received an exceptional service from Daniel Dordan-Pike and Samantha. Very efficient and experts in their fields.

    Posted
  • 5

    Sam Walker and Kevin Lachasseigne have been incredible during the process of my first time buying. They’ve been very fast replying and are always there when I need advice. Highly recommend!

    Posted
  • 5

    Fantastic service from Randeep at John Charcol. Help me secure a mortgage as a new director when other providers could not. Communication was always prompt snd clear with what was required. Excellent service all round.

    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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