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

4.88 Average Rating

Speak to a Mortgage Adviser

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

Find Out What You Can Borrow

Want to get started online before chatting to a mortgage adviser? Fill out our free online affordability calculator to get an estimate of how much you can borrow on a mortgage.

Work Out Your Deposit

Want a clearer idea of how much you need to put a deposit on a house? With our deposit calculator, you can work out how much you need to save each month to reach your goal.

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.

Remortgage

Near the end of your fixed term? Or maybe it’s just time for a better mortgage rate? Make your remortgage simple with our Remortgage Hub.

Moving Home

Let us take care of everything: the mortgage, the application, conveyancing, 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 Mortgages

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

Bad Credit Mortgages

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

Ask Our Mortgage Experts

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

Mortgage Calculators

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

Mortgage Affordability

Want know how mortgage affordability works and how much mortgage you can afford? Read our guide and see our Affordability Hub.

Mortgage Deposits

You'll usually need a deposit when you take out a mortgage. Here you'll find information on mortgage deposits and a range of resources.

Specialist Property

Need the right mortgage for a specialist property? Learn about mortgages for non-standard construction properties, houses with abestos and more.

Mortgage Protection

What happens if you can't make your mortgage payments due to an accident or illness? Here's why you need protection.

Expat Mortgages

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

Insurance Hub

Our experts can find cover tailored to you for your mortgage, income, family and more.

Compare Mortgage Rates

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

Self-Employed

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

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.

Get a Conveyancing Quote

If you're purchasing a property, you'll need a conveyancer. Luckily, John Charcol can refer you to an experienced conveyancer that suits your budget and timeline.



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 2,420 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.


What Our Customers Say

See more John Charcol reviews here.

John Charcol

John Charcol0330 057 5173£

Cutlers Exchange, 123 HoundsditchLondonEC3A 7BU

Excellent

LocalBusiness

4.88 based on 2860 reviews

  • LocalBusiness
    5

    Great experience working with James, clear and straight forward process.

    Posted
  • LocalBusiness
    5

    Holly provided an excellent service, with very clear explanations and was extremely efficient. We would recommend her and John Charcol for clear independent advice.

    Posted
  • LocalBusiness
    5
    Verified Buyer

    Very easy process, great communication and support from start to finish. I would use again.

    Posted
  • LocalBusiness
    5
    Verified Buyer

    I cannot speak highly enough about John Charcol and Andrew Ireland in particular. I was remortgaging my flat and a lot of obstacles cropped up and Andrew truly kept me sane and kept things on course. He constantly had an eye on everything - including the bank and conveyancer side of things. Also - excellent communication! Highly recommended and I’m so glad I went with John Charcol (having considered quite a few brokers).

    Posted
  • LocalBusiness
    5

    John charcol has been very supportive and understanding my needs he has given me enough time . I can not thank him enough for his time given to me to sort my policy needs . Finally every thing has fallen in place for me and i have piece of mind know. Thanks again John for sorting me out

    Posted
  • LocalBusiness
    5
    Verified Buyer

    I cannot recommend Heidi Hallett enough. She is by far the best broker I have ever met - proactive, attentive, goes above and beyond from start to finish, and is a genuinely lovely person to engage with. She is excellent at what she does and I look forward to reconnecting with her in the future

    Posted