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The original independent mortgage broker
John Charcol is the original independent mortgage broker in the UK. We're award-winning with nearly 50 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
4.86 Average rating
Make a Mortgage Enquiry
We work with more than 120 mortgage lenders, including:
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 1,890 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.
What Our Customers Say
John Charcol
0330 057 5173£Cutlers Exchange, 123 HoundsditchLondonEC3A 7BU
Excellent
LocalBusiness2316 reviews
- LocalBusiness5
rahees
Verified BuyerJohn charcol as a whole of market and Raza Akhter is a wonderful man who went above and beyond to help me in my mortgage application. Even though my case was complicated he really helped to get my mortgage. Before meeting raza 2 mortgage advisor rejected me and said its complicated and you wouldn’t get it. But Raza patiently listened my case and helped me achieve my dream home.
Posted - LocalBusiness5
Neil
Emily and Jess were an absolute pleasure to deal with - even when things didn’t go exactly to plan they were calm and helpful throughout, thank you!
Posted - LocalBusiness5
Karan
Verified BuyerReiss is an absolute star! He leads an exceptional team who makes sure you get not only your lending sorted but also chases up until completion.
Posted - LocalBusiness5
Kam
Verified BuyerAmazing people, amazing service. I had Gordon and Emma support me, and they made a very stressful process, seamless and straightforward. They went the extra mile and supported me every step of the way. I would have no hesitation to recommend them. Thank you John Charcol !
Posted - LocalBusiness5
Anonymous
Verified BuyerI have now twice used John Charcol to first obtain and then refinance a mortgage. Andrew Ireland has looked after us each time and has ensured that the process has run smoothly and assuredly. On each occasion, I have much appreciated his guidance, knowledge of the market and his ability to keep an eye on the whole process, paperwork and timings to ensure completion. The service provides a level of convenience and support that makes it excellent value. I have recommended John Charcol to friends before, and would continue to do so.
Posted - LocalBusiness5
Muhammad
Verified BuyerI recently had the pleasure of working with John Charcol, and I couldn’t be more satisfied with their exceptional service. Raza Akhtar, my dedicated mortgage advisor, truly stood out. Here’s why: Expertise and Guidance: Raza’s knowledge of the mortgage market was not only impressive but also immensely valuable. He patiently guided me through various options, ensuring I made an informed decision. His vigilance in monitoring mortgage rates went above and beyond, securing the most favourable deal for me. Smooth Process Despite Complexities: Despite the complexities—such as my wife not working and my contractor status—Raza made the mortgage application process remarkably smooth. His prompt communication and proactive approach addressed all my concerns. Throughout, we felt reassured and well-informed. Added Security with Mortgage Protection: Raza’s dedication extended beyond the basics. He recommended mortgage protection, assuring additional security for my family. Knowing that our home would be safeguarded in case of unforeseen events provided immense peace of mind. Recommendation: I wholeheartedly recommend John Charcol. Their comprehensive, whole-of-market advice is top-notch. Thank you, Raza, for making a significant difference in our mortgage journey!
Posted
First-Time Buyer
It doesn’t need to be difficult. We’ll guide you through, right up to the day you move in. Take your first step towards homeownership now.
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 Home
Let us take care of everything: the mortgage, the application, conveyancing, insurance, protection, removals, utilities. Make your move easy.
Buy-to-Let
Your mortgage will affect the profit potential of your buy-to-let investment. Use our best buy tool to compare current mortgage rates.
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.
Self-Employed
Freelancing or self-employed mortgages can seem complicated, but don't worry - we make it simple.
Mortgage Calculators
Ready to crunch some numbers? Get started with our free and easy calculators.
Mortgage Guides
Find guides on everything from remortgages to tax on rental income and more.
Mortgage Rates
Compare mortgage rates on the market right now with our free comparison tools.
Ask Our Experts
Get answers to complex mortgage questions, directly from our experts.
How Can an Independent Mortgage Broker Help?
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. Your John Charcol mortgage adviser will learn about your situation and explain your mortgage options before making a product recommendation. 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.