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.


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What Our Customers Think

John Charcol

John Charcol0330 057 5173£

Cutlers Exchange, 123 HoundsditchLondonEC3A 7BU



4.87 based on 2365 reviews

  • LocalBusiness

    Good product knowledge and follow up

  • LocalBusiness
    Verified Buyer

    Excellent service. Attentive, professional and a clear understanding of both the market and the needs of the customer. We can highly recommend David Rounsfell of John Charcoal for your mortgage needs.

  • LocalBusiness
    Verified Buyer

    I have just completed on my house purchase and am delighted with the service I received from Victoria Todd at John Charcol. This is the second time I have asked for her help, and on each occasion she went the extra mile to deliver prompt, excellent advice. We had to change the requirements halfway through, and she has always been able to adapt or make helpful suggestions. The team also put me in touch with other support on the house sale, all good advice and service from their partners too. I would have no hesitation in recommending Victoria and John Charcol services, their professionalism will get you through the stress of UK house buying!

  • LocalBusiness

    David Pundey, I want to extend my heartfelt thanks to you for the exceptional guidance and support you provided throughout my mortgage application process. Your expertise and dedication in addressing every issue that arose were truly invaluable. From the very beginning, you offered clear and insightful advice, ensuring that I understood each step of the process. Whenever challenges came up, you were quick to find effective solutions, which greatly eased my concerns. Your professionalism and responsiveness made a significant difference, and I am very happy with the service you provided. Thank you once again for your outstanding assistance.

  • LocalBusiness
    Verified Buyer

    Have been working with Andrew Mussai of JC for over a month on a fairly complex mortgage application. Andrew has been absolutely excellent from every perspective a 11/10 performance. He is; knowledgeable, very focused on Customer delight, accurate and timely with communications a fantastic consultant to work with. I highly recommend Andrew and J.C. as best mortgage experts that I have ever worked with and bottom line he delivered the required funds.

  • LocalBusiness
    Verified Buyer

    Randeep Sodhi. Thank you once again for your hard work, diligence and perseverance during the entire process. It was a tough ride with the difficulties during the valuation process but you never gave up! A true professional and genuinely someone who goes above and beyond to achieve the results. This is the reason we have been coming back to you for is close to 15 years !

Applying for a mortgage

Why Should I Secure My Mortgage Now?

The base rate is expected to increase over the next year which means interest rates will likely follow suit and become more expensive. Some interest rates have started to rise already. 

This means that you could save more money on your monthly payments if you secure your mortgage now, rather than wait until rates rise.

Don’t miss out! Find out how much you could save. 

Speak to one of our experts on 0330 433 2927

3 Easy Steps to Your New Mortgage

1. You fill out our online form or call us on 0330 433 2927

2. One of our advisers contacts you to learn more about your situation

3. You relax while we find you the right mortgage

Mortgage FAQs

What Should I Do if I’m Coming to the End of My Fixed Rate?

If you’ve got 6 months left on a fixed rate, and you don’t want to pay an ERC (early repayment charge) to switch to a new rate now, you can fix a deal 6 months in advance of the end of your rate with most lenders - this is possible as most mortgage offers are valid for 6 months. That way, if rates continue to decrease between now and then you can look at switching to a lower rate in that time. On the other hand, if rates continue to increase you’ll have secured your rate and won’t be affected by any impending rate increase in that time. A win-win in any outcome.

Can I Get a Mortgage on a Fixed Term?

For those in a fixed rate with a year left or longer, wondering whether it’s worth paying an ERC (early repayment charge) to tie in for a new deal now - rather than reviewing in 6 - 9 months’ time when rates may have increased -  you need to take into consideration the costs of this decision, the ERC percentage and other associated fees the lender may have for clearing the loan early.

It's best to speak to a broker if you’re in this situation. They’ll be able to establish whether the savings you’ll make by switching to a new deal early are worth the ERCs.

How Much Can I Borrow?

The main things that dictate how much you – and your partner if you’re buying together - can borrow are your income and your current credit commitments. Every lender has a different way of calculating how much you can borrow. To find out the maximum mortgage you may be able to secure, contact John Charcol’s advisers on 0330 433 2927 for a no-obligation assessment.

How Much Deposit Do I Need?

You’ll need a minimum of 5% of the purchase price in deposit. Typically, the greater your deposit, the better the interest rates and deals available to you. This means a 15% deposit will generally help you secure a better rate than a 10% or 5% deposit.

How Much Will a Mortgage Cost Each Month?

Your monthly payments will vary depending on the type of mortgage, the loan amount, the term of the mortgage and the interest rate.

What Is the Difference Between a Repayment Mortgage and an Interest-Only Mortgage?

The main difference between a repayment mortgage and an interest-only mortgage is to do with the way they’re paid back.

With a repayment mortgage, you make monthly payments that go towards capital (the loan amount) and interest. This means that – assuming you make all of your monthly payments – you will have paid off your mortgage be the end of your mortgage term.

With an interest-only mortgage, you make monthly interest payments only; you don’t make a capital payment. Therefore, your loan amount remains the same until the end of your mortgage term. You pay back the loan amount at the end of the mortgage term, either by selling the property or finding another source to repay the loan.

What Insurance Do I Need for a Mortgage?

You need buildings insurance on your property to take out a mortgage. You normally arrange this during the conveyancing part of the mortgage process, making sure it will be in place from exchange. John Charcol also recommend that you insure the contents within your home and arrange protection for you and your family. We can help you with buildings insurance, content insurance and protection.

Can I Move My Mortgage to Another Lender if They Are Offering a Better Interest Rate?

You can switch to a better mortgage interest rate with a new lender by remortgaging. It’s best to wait until your current introductory rate ends, otherwise you risk facing ERCs (early repayment charges) which can make remortgaging expensive. You can start arranging your new mortgage up to 6 months before your current rate ends.

Talk to one of our advisers on 0330 433 2927 to find out more about your options.

Can I Pay My Mortgage Off Early?

It is possible to pay off your mortgage before your introductory deal ends, however you may face ERCs which can make doing this expensive and often more money than it’s worth.

What Is a Credit Score?

Your credit score is a 3 digit number that’s scored out of 1000 and is based on your financial behaviour and borrowing from the past 6 years. You can find out your credit score by using a credit reference agency – such as Equifax or Experian.

Lenders don’t actually use the credit scores provided by credit reference agencies. Instead, they use the information credit reference agencies hold about you to put together their own credit score for your mortgage application.

You can use your credit score from a credit reference agency as a guideline should you want to try and improve your credit history so you can access better mortgage deals.

What Does Variable Mean?

A variable rate “varies”. It moves up and down, depending on the Bank of England base rate or market rates.

“Variable rate” is an umbrella term for trackers, lifetime trackers, discount rates and SVRs (standard variable rates). You wouldn’t actually take out a product called a “variable rate mortgage”, but you might take out a tracker or discount mortgage which are types of variable rate mortgage.