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.


4.9 Average Rating

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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 2,010 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.

What Our Customers Say

See more John Charcol reviews here.

John Charcol

John Charcol0330 057 5173£

Cutlers Exchange, 123 HoundsditchLondonEC3A 7BU



4.87 based on 2441 reviews

  • LocalBusiness

    Ezra and Eniko were great from start to finish. They managed to sort me out a specialised mortgage quickly and efficiently and kept in contact with me throughout the whole process. I will definitely use them again for my future endeavours

  • LocalBusiness

    John Charcol have been life-savers for me. Both the mortgage team (Sophia) and Ryan Goodall and Emma Moore from the Life Insurance team have been absolutely outstanding. Super-efficient, competent, knowledgeable, creative, responsive, kind, very patient and have gone above & beyond in sorting out brilliantly both these areas of my life which were more complicated than the average case. Honestly I don't know what I would have done without them. Whatever commission they make from the service providers is more than deserved. I cannot recommend them highly enough

  • LocalBusiness
    Verified Buyer

    I am grateful to John Charcoal and I can't rate them highly enough. I want to really appreciate Sanjay for working hard on our case and making it possible despite our complex situation. Sanjay is a very helpful and professional person and also extremely knowledgeable. I highly recommend Sanjay for any mortgage related issues.

  • LocalBusiness
    Verified Buyer

    Sanjay is a star. We all know that the process is long. But Sanjay made it look easy. Always on the spot with answers to all our questions! Customers service 5⭐️, knowledge 5⭐️, personality 5⭐️. Thank you Sanjay, you are a great asset for your company

  • LocalBusiness
    Verified Buyer

    Exceptional customer service delivered by Sanjay Khuttan! He went above and beyond to make our dream come true and we are very grateful for his consistent support. Amazing communication and understanding!!

  • LocalBusiness



First-Time Buyer

It doesn’t need to be difficult. We’ll guide you through, right up to the day you move in. Start your homeownership journey in 3 easy steps with our first time buyer hub.


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.


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.

Bad Credit

Worried about getting a mortgage with bad credit? Here's everything you need to know.

Expat Mortgages

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


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 covering the UK and Northern Ireland 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.

Nick Mendes’ Blog

Add-on services from John Charcol

Home Insurance

Do you want new home insurance to go with that new mortgage? Our in-house team can arrange bespoke buildings and contents insurance to suit your new requirements.


With John Charcol, you’ll have the option of speaking to your very own expert protection adviser who’ll learn about your situation and find the right cover for your needs.

JC Legal

We can find you a solicitor for the conveyancing part of the process with JC Legal. We choose from an exclusive panel of carefully selected solicitors and conveyancers.

Equity Release

Your home is possibly the biggest asset you have. Find out whether you can release money from your home with John Charcol's partnership with Key Retirement.