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.

We work with more than 120 mortgage lenders, including:

Compare Mortgage Rates

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.

Get a Life Insurance Quote

Life insurance protects you, your family and your home, including if you're unable to meet your financial obligations due to illness, accident or even death. Get a quote now.

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.

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

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 2,230 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.

Excellent

LocalBusiness

4.88 based on 2657 reviews

LocalBusiness
5
Jamila
We are delighted to have completed on our re-mortgage after a few years of struggling with a different lender. Razzak our mortgage advisor was extremely thorough and ensured we were aware of all the options available to us. He made sure he understood our criteria and made sure we chose the best product for us. We would recommend John Charcol again and hope to continue this relationship moving forward.
Posted 1 hour ago
LocalBusiness
5
Alfie
Verified Buyer
All pur phone calls with James regarding our life insurance have been excellent and we have been very impressed with the service we have received. James explained everything to us and took into consideration our personal circumstances to help us find the best policy for us. He was friendly and available when we needed to speak with him and made sure to take his time talking us through every part of the process. We had already used John Charcol to secure our mortgage offer and we will continue to use them in the future.
Posted 2 days ago
LocalBusiness
5
Ellie
Verified Buyer
From our first phone call with our mortgage broker Brian to finalising our life insurance policy with Bradley, we have been so impressed with the whole service we received. We are first time buyers who knew nothing and Brian took the time to explain everything and then explain it all some more. He was always available, always friendly and we truly felt like he was doing his best for us. We had issues with our mortgage (due to me being self employed) but Brian was so helpful and came up with solution after solution. Even checking in multiple times after his part had been done to make sure we were okay and still on track. Buying a house isn’t easy and it’s definitely not something I’ll be doing anytime soon but when we do, we’ll definitely be using John Charcol. Money very well spent.
Posted 2 days ago
LocalBusiness
5
Anonymous
Steve put is huge effort to get the best product for my needs. He was happy to stay after 6pm at work to get things sorted. He also gave good advice based on his experience in the field. Very pleasant gentleman and a pleasure to work with.
Posted 2 days ago
LocalBusiness
5
Anonymous
Verified Buyer
Shaun did a great job as always on our remortgage
Posted 3 days ago
LocalBusiness
5
&quot;Terry
Verified Buyer
Steve Prior is always spot on, handles everything promptly and gets me a good deal. Highly recommended!
Posted 4 days ago

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