The original independent mortgage broker

Myself and husband are saying a big thank you for the remarkable services provided by Paul .C all through the process of purchasing our House. He was always approachable, ever so patient and brilliant We couldn’t ask for any thing better

In my experience I have found John Charcol to be an organisation of Total Quality by which I mean in everything they do and say, I have found quality. I have found their communications (both oral as in over the phone and in writing) to be friendly, effective, and professional. As for me one of the biggest beauties of John Charcal has been as follows: I do not understand financial and mortgage language / terminologies. So, they would sit down and first explain to me the terms and associated implications before proceeding with any step of the entire mortgage process. Another great experience is as follows: Despite I had paid all the fee and my mortgage process with the bank/lender was just reaching the end, the interest rate dropped by some percentage. I did not have to do the chasing up with John Charcol, they came back to me themselves and revised the monthly mortgage payment to be less than earlier one, accordingly. They also say that they would come back to me every two years to ensure that I have the best value i.e. least monthly mortgage payment possible. Again, no chasing up required which is a great relief for me. Another excellent function of John Charcol is their (inbuilt) insurance service. They found me the best deal which covered all the eventualities in terms of life insurance against critical illness and terminal illness. They were so patient and kind to explain me all the implications and always addressed my queries in a friendly manner with examples. One thing more, I am an old man who’s buying mortgage towards the end of retirement age. They managed to set up mortgage for me all the way up to the age of 75. This has been nothing but amazing. That is around 10 years above and beyond the retirement age. As a great thinker said that a smile is a curve that sets everything straight. That's what John Charcol is about. They serve you with a constant smile and straighten out things for you. I find them like a friend who watches over your best interest. Mortgage/buying a house is quite a milestone in one’s life which is quite daunting and challenging, and what could be better than having a friend who walks with you all the way of this overwhelming journey.

Thank you so much Elliott as you have been amazing you have gone above and beyond helping us both out as we both really do appreciate it. You have been so patient, understanding and so polite, thank you so much.

It was great to meet Samm who did an amazing job securing a good life insurance deal for me and my family. I have highly appreciated her empathy, communication skills, and responsiveness.

Very good experience with Mohit, who set up a new life insurance policy for us and was friendly and helpful throughout.

I had a great experience with Mohit, who helped me set up life, critical illness and income protection. They made the whole process simple and stress-free, clearly explaining my options and finding a policy that fits my needs and budget.