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
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We work with more than 120 mortgage lenders, including:
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 2,100 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
0330 057 5173£Cutlers Exchange, 123 HoundsditchLondonEC3A 7BU
Excellent
LocalBusiness2530 reviews
- LocalBusiness5
Anonymous
Stephen Hawley was fantastic at organising my insurance, with my best interests in the forefront of his work. He carried out the work quickly and explained every detail I was unsure of, along with be super polite and pleasant to chat with. Thanks Stephen.
Posted - LocalBusiness5
Anonymous
Amazing Service! Leigha was amazing and incredibly helpful from the start to finish. I would highly recommend getting in touch with her for any mortgage advice.
Posted - LocalBusiness5
Anonymous
Excellent communication and service.
Posted - LocalBusiness5
Callum
My partner and I used Jenna Patel, who was absolutely amazing. She found us not only the best rates, but also the highest borrowing amount out of the 6 different mortgage advisors we tried. She is polite, courteous and informative and a real credit to John Charcol. I will definitely be using her again. Thanks Jenna!
Posted - LocalBusiness5
Anonymous
Verified BuyerLisa at John Charcoal was amazing all throughout our mortgage application. She always kept us updated throughout the process and overcame obstacles in our credit history managing to get us the best rate available for our first mortgage with a lender. We now have our own home thanks to Lisa’s advice and support. Reasonably priced for the service. We highly recommend.
Posted - LocalBusiness5
Ollie
Verified BuyerWe've used John Charcol for 4 years now both in mortgage brokerage and protection services. Both Dan Crowley & Ed Pera were all very helpful in finding the right protection and mortgage services for us both. Great service as always.
Posted
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
Nick Mendes’ Blog
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!
Building and Contents Insurance
Do you want new home insurance to go with that new mortgage? Our in-house team can arrange bespoke buildings and contents insurance to suit your new requirements.
Life Insurance and Protection
With John Charcol, you’ll have the option of speaking to your very own expert protection adviser who’ll learn about your situation and find the right cover for your needs.
JC Legal - Conveyancing
We can find you a solicitor for the conveyancing part of the process with JC Legal. We choose from an exclusive panel of carefully selected solicitors and conveyancers.
Equity Release Options
Your home is possibly the biggest asset you have. Find out whether you can release money from your home with John Charcol's partnership with Key Retirement.
