The original independent mortgage broker

John Charcol is the original independent mortgage broker in the UK. We're award-winning with 50 years of experience in finding the best mortgage rates for every type of buyer.

Excellent

4.9 Average Rating

Speak to a Mortgage Adviser

Fill out this enquiry form and we'll contact you to book a free call with one of our mortgage experts.

We work with more than 120 mortgage lenders, including:

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Why Choose John Charcol Mortgage Brokers?

We Take Care of Everything

With 50 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 2,140 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.

Together with Mortgage Brain, our experts have created John Charcol's Mortgage Best Buys. Here you'll find hand-picked mortgage deals at different LTVs: 60%, 75%, 90% and 95%.

Visit John Charcol's Mortgage Best Buys

What Our Customers Say

See more John Charcol reviews here.

Excellent

LocalBusiness

4.88 based on 2568 reviews

LocalBusiness
5
Bella
Thomas Bridle was very helpful and very clear. He was very understanding when I had to rearrange appointments due to work. Would recommend him thank you
Posted 6 minutes ago
LocalBusiness
5
S
provided a very good service in regards to mortgage protection and other life protection. offered cheaper price compare to other provider. and advice is available at times.
Posted 18 hours ago
LocalBusiness
5
Struan
Brilliant service. Both Mark and Samm were very clear right from the start and happy to answer and explain any questions, no matter how small. Would highly recommend!
Posted 3 days ago
LocalBusiness
5
Anonymous
Verified Buyer
The whole team at John Charcol have been amazing from start to finish! We first used the firm back in 2013 for our first property, fast forward 11 Years and we didn’t think twice about contacting them again to arrange a new mortgage. We were put in touch with Jade who was very knowledgable and gave us the best advice. She kept in touch throughout the whole process and was even chasing our solicitor at times to ensure things went smoothly. We won’t hesitate to use John Charcol again in the future. Thank you Maria & Dan
Posted 5 days ago
LocalBusiness
5
Kevin
Verified Buyer
I am very thankful for David Putneys’ professional, responsive and honest assistance in securing the mortgage loan for our home in the UK. David was organized and thorough, as well as kind which made all of the difference when we faced a number of challenges to reach our goals. His dedication and commitment to servicing his client's requirements were exceptional. I will continue to recommend David Putney at John Charcol to family and friends that require mortgage assistance.
Posted 1 week ago
LocalBusiness
5
&quot;Terry
Verified Buyer
Steve is always on the case and very pleasant to deal with. Highly recommended.
Posted 1 week ago

First-Time Buyer

It doesn’t need to be difficult. We’ll guide you through, right up to the day you move in. Start your homeownership journey in 3 easy steps with our first time buyer hub.

Remortgage

Nearing the end of your fixed term? Or maybe it’s just time for a better rate? See what mortgages are on the market right now.

Moving Home

Let us take care of everything: the mortgage, the application, conveyancing, insurance, protection, removals, utilities. Make your move easy.

Buy-to-Let

Your mortgage will affect the profit potential of your buy-to-let investment. Use our best buy tool to compare current mortgage rates.

Second Charge

Want to hang onto your current fixed rate but also release some equity? We're second charge experts.

Bad Credit

Worried about getting a mortgage with bad credit? Here's everything you need to know.

Expat Mortgages

It doesn’t matter how complex your case is. We’re experts. See how we can help.

Self-Employed

Freelancing or self-employed mortgages can seem complicated, but don't worry - we make it simple.

Mortgage Calculators

Ready to crunch some numbers? Get started with our free and easy calculators.

Mortgage Guides

Find guides on everything from remortgages to tax on rental income and more.

Mortgage Rates

Compare mortgage rates on the market right now with our free comparison tools.

Ask Our Experts

Get answers to complex mortgage questions, directly from our experts.

How Can an Independent Mortgage Broker Help?

We’re a whole of market mortgage broker covering the UK and Northern Ireland which means we’re not tied to any lenders; we look at products from across the entire market to find the best deal for you. Your John Charcol mortgage adviser will learn about your situation and explain your mortgage options before making a product recommendation. Once you’re happy with your recommendation, we’ll pass you over to your client relationship manager who’ll manage the rest of the mortgage process for you.

Unlike other UK mortgage brokers, finding and arranging the best mortgage for your circumstances isn’t all John Charcol do. We help you through your entire property-buying journey. Our team can find you conveyancers, insurance and protection cover. We can also help you move into your new home and set up things like utilities and Council Tax.

Ready to get started? Contact us today for the best independent mortgage advice.

We're a Mortgage Broker Trusted by Leading Brands

Insurance and Protection with John Charcol

As well as arranging your mortgage, we can help you organise your life insurance and protection. Our experts can find cover tailored to you for your mortgage, income, family and more. Simply visit out Insurance and Protection Hub for all sorts of resources to get you started!

Visit Our Insurance and Protection Hub