One of the benefits of using John Charcol is our direct access to specialist mortgage lenders, who are equipped to find the right deal for even the most complex of cases.

We cater to a large client base, meaning we often need the flexibility to collaborate with specialist lenders to build tailor-made loans. We also identify and help to develop products to meet the ever-evolving needs and circumstances of our people.

The list below illustrates some of the more diverse markets we cover.

Second Charge Mortgages

A second charge or second mortgage is a mortgage secured against a property that already has a mortgage on it. Find a second charge mortgage today.

Offset Mortgages

Offset mortgages can reduce the amount of interest you're charged

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

Bridging Loans

Bridging loans are a type of short term property finance. As a bridging finance broker, we find you the best rates and guide you through the process.

Let to Buy Mortgages

When you let to buy, you take out 2 mortgages: a buy-to-let remortgage on your existing property and a residential mortgage on your new home.

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.

Development Finance

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

Expat Mortgages

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

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.

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

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

Mortgages for Directors

Mortgages from lenders that understand the nuances of business accounting

Specialist Mortgage Advice

Our team of mortgage specialists are on hand to offer you independent advice, no matter how complex. Get in touch today and speak to one of our experts or request a call back.