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
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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 2,140 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.
What Our Customers Say
See more John Charcol reviews here.
John Charcol
0330 057 5173£Cutlers Exchange, 123 HoundsditchLondonEC3A 7BU
Excellent
LocalBusiness2566 reviews
- LocalBusiness5
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 - LocalBusiness5
Anonymous
Verified BuyerThe 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 - LocalBusiness5
Kevin
Verified BuyerI 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 - LocalBusiness5
"Terry
Verified BuyerSteve is always on the case and very pleasant to deal with. Highly recommended.
Posted - LocalBusiness5
Anonymous
Samm was superb at helping rework our life and protection insurance products. Was very helpful and friendly, and also flexible on times to discuss our needs.
Posted - LocalBusiness5
Mike
Verified BuyerMy particular situation was quite unusual and complex - being retired and having a foreign income. Not only did John Charcol find me a mortgage, but a health insurance policy to cover the term at a very competitive price. I couldn't be more please with the service they have provided.
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.
