Our experts cut through the noise to tell you what you need to know

With over 40 years of experience behind us and some of the industry's most quoted experts in our ranks, there's not much we don't know about mortgages.

However, we know our industry is awash with jargon, so our experts aim to keep it simple. Through this blog, social media and our monthly Much Ado About Mortgages newsletter, experienced mortgage advisers explain the nuances of the mortgage market, how economic factors influence the availability of mortgages and get to the meaning behind regulatory changes. 


29/03/2017 by Simon Collins

John Charcol's Simon Collins looks at the difference between a credit check and a credit score – and why it’s important for first time buyers to speak with a broker rather than a high street bank before arranging their mortgage.


29/03/2017 by Richard

Staying put and looking to improve your home can be a great way to breathe new life into a property, and if you’re clever about it, add value at the same time. But what home improvements will add the biggest boost to your home’s value?


22/03/2017 by Richard

From the benefits to the potential pitfalls - we look at what you need to know when buying a new build property.


15/03/2017 by Richard

Putting your home on the market this Spring? Set yourself apart from the competition with top tips from Zoopla and John Charcol.


01/03/2017 by Richard

Our experts look at the pros and cons of limited company buy to let - if your a landlord can you afford not to make the change?


01/03/2017 by Richard

Find out how you can pay back your mortgage quicker and potentially save thousands of pounds in the process.


01/03/2017 by Richard

Read out top tips for parents looking to help their kids onto the property ladder without the need to gift them a large deposit.


01/03/2017 by Richard

When you’ve got an existing mortgage deal that is about to come to an end, it can be a good time to look at maybe restructuring your finances as well as switching to a new lower rate. However, there’s an old saying that if something looks too good to be true, it probably is, and whist lenders have an obligation to look after their existing customers whose current deals are ending, some do it much better than others, especially if you are looking to borrow more money.


19/01/2017 by Richard

If you’re an older, wiser, more settled borrower could you benefit from a longer term on your mortgage deal? We think you could, but it’s important to be mindful of those exit penalties…


19/01/2017 by Richard

Tops tips on arranging finance before a property auction - our experts look at what you need to know.



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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.

John Charcol is a trading name of John Charcol Limited and its Appointed Representatives. John Charcol Limited is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 665649. Registered in England No. 9157892. Registered office address for John Charcol Limited is 5th Floor, Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU. The FCA does not regulate some investment mortgage contracts. Calls may be recorded for training and monitoring.