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:
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 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.
John Charcol
0330 057 5173£Cutlers Exchange, 123 HoundsditchLondonEC3A 7BU
Excellent
LocalBusiness2657 reviews
- LocalBusiness5
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 - LocalBusiness5
Alfie
Verified BuyerAll 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 - LocalBusiness5
Ellie
Verified BuyerFrom 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 - LocalBusiness5
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 - LocalBusiness5
Anonymous
Verified BuyerShaun did a great job as always on our remortgage
Posted - LocalBusiness5
"Terry
Verified BuyerSteve Prior is always spot on, handles everything promptly and gets me a good deal. Highly recommended!
Posted
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