John Charcol, the leading independent mortgage broker

John Charcol has been advising clients on their mortgage and protection needs for over 40 years. 

We’re a regulated business in a regulated market, so there are rules we follow like everybody else to protect our clients and our business. However, we pride ourselves on our reputation as innovators, both in our approach to client service and product development with lenders.  Our independent status means we can find mortgages from the whole of the market, which affords our clients a far greater choice than going direct to only one lender. Furthermore, working alongside our experienced consultants is our Technical Team, which scours the market for the very best deals and liaises with lenders to create new mortgage products to fill gaps in the market.

Our mortgage advisers know that by understanding our clients’ unique circumstances and viewing each new enquiry as the beginning of a long-term client relationship, we can take a strategic approach to mortgage advice that is valued by our clients and now sees us advise the children and grandchildren of some of our early clients. 

With over £2bn of mortgages applications handled this year and last* by more than 80 advisers based in London and across the UK, we’ve got the capacity to handle a huge range of clients. Often our clients are company directors, high net worth individuals or have complex circumstances, so the skills to handle these situations are now ingrained in our DNA.

Much of our business is based on referrals from one family member, colleague or friend to another. Our deep understanding of the mortgage industry is also acknowledged by the national media, with John Charcol’s spokespeople among the most quoted experts in the industry.

*In 2014 and 2015, John Charcol arranged more than £2bn of mortgages for clients.