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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 you’re first home, we can help. Our expert, independent mortgage advice will make buying your home or property investment easy.
Excellent
4.84 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
Morgage Enquiries
0344 346 3672 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.
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 Houndsditch London EC3A 7BU
Excellent
1766 Total reviews
90%
4.85 Average rating
- 5★ ★ ★ ★ ★
NICOLAS
I honestly cannot thank Daniel Bowles enough!!! From the bottom of my heart I cannot recommend him enough- the phrase 'going above and beyond' springs to mind. After I initially had a very poor credit rating, financial issues and basically been told by every other broker that I was unable to get a mortgage any time soon, Dan actually took the time in helping me and offering me phenomenal advice/support at the drop of a hat. Without Dan I would never be in the position where I am today (a first-time buyer) and getting on the ladder. After seeing how horrible the property market can be at time (aimed at Estate Agents) Dan & John Charcol were a breath of fresh air in my first property completion as you could actually tell Dan cared about customer service and finding the right product for YOU.
Posted - 5★ ★ ★ ★ ★
A
We have been working with John Charcol for the past few years and we have been always very satisfied with great service. Thanks to Sener for his very high level of professionalism and excellent communication skills. We are very happy to recommend John Charcol to anyone requiring mortgage broker services even in complicated circumstances.
Posted - 5★ ★ ★ ★ ★
M
Excellent service from the first phone call to the final completion. Thank you.
Posted - 5★ ★ ★ ★ ★
Barry
I first started dealing with John Charcol around 9 months before our BTL remortgage actually completed. We had to try two or three different routes to get the mortgage we needed (due to a unique rental situation), so got to build a great relationship with the team, brilliantly led by Charlotte A. Charlotte was a great, prompt communicator, and each time we hit a problem, she always had an alternative avenue for us to go down. Thankfully, this persistence paid off, and we got the remortgage, raising the capital we needed for a renovation project. Thanks to Charlotte for all the support. I am very happy to recommend.
Posted - 5★ ★ ★ ★ ★
Anonymous
Great service and advice. Many thanks.
Posted - 5★ ★ ★ ★ ★
Alison
Very happy with Norbert arranging a bespoke mortgage for me. He kept me informed throughout. Reasonable price for a unique product. Highly recommended.
Posted - 5★ ★ ★ ★ ★
Adrian
This was my first remortgage with John Charcol and I will never go anywhere else. Great advice and support throughout the whole process from Cristian and Thomas. I would definitely recommend to everyone! Cristian was brilliant and helped chasing up with solicitors.
Posted - 5★ ★ ★ ★ ★
Serena
This is my second re-morgaging transaction with John Charcol, the service is incredible. Penny and Toni were very efficient, professional and very helpful all the way. Look forward to work with John Charcol in the future.
Posted - 5★ ★ ★ ★ ★
Ritchie
Excellent as always from Jack and Cristian at John Charcol. Superb advice and support throughout. A very professional and efficient service, great communication and valuable guidance on products and options, ensuring it is easy to make an informed decision. Really grateful. 10/10
Posted - 5★ ★ ★ ★ ★
Sunil
I was leasing with both Hayley & Tiara for my mortgage application. I was more than amazed with the help that was provided which went far and beyond. Really appreciate both for their support and proactiveness on this matter through out the process. Thank you both for the smooth and prompt mortgage application process.
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
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.
Compare Mortgage Rates
Look at mortgage rates on the market right now with our free comparison tools.