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Finances affected by Coronavirus? Read our guide for information
John Charcol understands the challenges independent professionals face and, with over 40 years’ experience in the industry, we’ve helped many secure mortgages even after high street lenders have turned them down.
Our partnership with IPSE (The Association of Independent Professionals and the Self-Employed) allows us to help more self-employed and independent professionals like you find the right mortgages – ones that actually suit your circumstances.
Using a reliable independent mortgage broker can save you thousands when it comes to purchasing a home or property investment. John Charcol have helped many self-employed and independent professionals to secure mortgages even if high street lenders have turned them down.
With over 45 years of service, we've seen it all. We can save you money, time and make buying your property easy.
We have over 1,500 5* reviews on reviews.co.uk, so you can feel confident that your mortgage is in the right hands.
Offering a complimentary move-in service. Saving you on average £290 and 8 hours of your time.
This is not a quotation under the Consumer Credit Act. Figures are subject to validation of income, credit checks and a property valuation.
The 'How much can I borrow' mortgage calculator is a great way to start – but it’s certainly not a definitive answer – and if it’s not the answer you’re looking for, our experts can review your full situation and advise on the most appropriate course of action, including products you might not previously have considered.
To speak with one of our team for a free consultation, please enter your details below:
Many self-employed people face this problem. At John Charcol, we know how to make the best case and which lenders are happy to look beyond the headline figures to understand what you can really afford.
Yes. We deal with regional building societies, private banks and other niche lenders who will look at each client on an individual basis. The range of income multiples can be as high as five times or more.
At John Charcol we’re used to working with busy individuals who are under real time pressure. That’s why we come to you and fit in with your schedule.
Unlike high street lenders we’re quick and nimble, so if you need us to get a mortgage offer fast so that we can secure a particular property, we’ll do everything we can to make that happen.
We’re expert at arranging this kind of mortgage, making the best of low rates of borrowing with capital payments when bonuses are available.
Yes. At John Charcol our consultants are all experienced independent mortgage advisers. We often arrange self-employed mortgages through reputable private banks and investment houses who have much more flexibility on who they lend to and how much they will lend.