One of John Charcol’s strengths is our access to specialist mortgages designed for individuals with circumstances that some lenders categorise as ‘complex’. 

Catering for our broad client base means we need the flexibility to collaborate with specialist mortgage lenders to create bespoke loans, while we also identify trends and help design products to meet shifting patterns in society.

The following is not an exhaustive list, but an illustration of some of the more diverse markets we cover.

Specialist mortgages for different scenarios

Bridging Loans

Short term finance to give you breathing space

Development Finance

Mortgages from lenders that understand the complexities of developments and the challenges facing developers

Mortgages for Directors

Mortgages from lenders that understand the nuances of business accounting

Expat Mortgages

We live in a truly global society, so we’ve got relationships with lenders that regularly lend to British people based abroad

Freelance and Self-Employed Mortgages

Increasingly, people are working in a freelance or self-employed capacity and more and more lenders are adjusting to this trend

Interest Only Mortgages

Once widely available, these mortgages are now only provided by specialists, but John Charcol knows where to ask

Larger Mortgages

If you need a large mortgage loan (in the millions) then you may need a specialist lender or a private bank. We know where to look on your behalf.

Mortgages for Doctors

John Charcol understands the difficulties presented by practice LLP status, so we’ve got access to specialists that are on the same page

New Build Apartment Mortgages

If you need a mortgage offer to last longer than usual because you’re buying off-plan or you’re using a government scheme, talk to us first

Contractor Mortgages

The number of freelance or contract workers employed in financial hubs like the City of London is rising, let us help you find the right mortgage

Second Charge Mortgages

Second charge mortgages are a type of secured loan that allow homeowners to raise extra money without the need to remortgage or take out an unsecured personal loan.

Private Bank Mortgages

At John Charcol, we have over 40 years of experience helping medium and high net worth clients to find the right mortgage at terms which fit their life aspirations, income and wealth. We understand our clients are busy people so we ensure our service is tailored to their sometimes hectic schedules.

Limited Company Mortgages

If you already own a Limited Company and are looking to either refinance or purchase a new investment property, we understand that the process of getting a mortgage can be tough.

Portfolio Landlord Mortgages

For more than 30 years we have helped landlords achieve their property aspirations. This could be advice on starting and building a portfolio or advice for landlords with large portfolios looking to leverage and expand.

Let To Buy Mortgages

Let to buy is worth considering if you’re struggling to sell your home or your property has dropped in value.

Specialist Mortgage Advice

Our team of specialist mortgage brokers are on hand to provide you with independent advice no matter what your circumstances are. Get in touch today to speak to our experts or request a callback.

You are currently offline. Some pages or content may fail to load.