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

Want to Know More?

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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 2,120 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.


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


What Our Customers Say

See more John Charcol reviews here.

John Charcol

John Charcol0330 057 5173£

Cutlers Exchange, 123 HoundsditchLondonEC3A 7BU

Excellent

LocalBusiness

4.87 based on 2542 reviews

  • LocalBusiness
    5
    Verified Buyer

    John Charcol (Shaahid main advisor) provided great advice and service throughout. They kept me informed and provided detailed guidance. Only downside was the mortgage provider who seemed inept... but the advisors at John Charcol conducted all the communications. Great company - will be happy to use again.

    Posted
  • LocalBusiness
    5
    Verified Buyer

    We’ve used John Charcol recurrently now for many years. Thankfully, the reason for our return is the absolutely brilliant Shaahid Quin. Honestly, he’s been there for us since the beginning of our first time joining John Charcol. He’s listened to our needs, and even offered us advice where many advisers don’t…, he supports us with our questions and no matter how silly they are, he understands completely where we are coming from and reassures us no end with clear, simple, no nonsense answers. I actually worry about not having Shaahid for our mortgage needs moving forwards, I hope he will always be around to help guide us and advise us and find us the right lender for our unique needs. Shaahid, never leave us!! I do not hesitate in recommending Shaahid or even anyone at John Charcol, for your mortgage needs. Thank you Shaahid for everything you’ve done for us, thank you for always being on hand answering our questions and alleviating our worries. We cannot thank you enough for getting us to a point of being able to move home! Best wishes Shaahid, and we’ll definitely be in touch in 4.5 years time in readiness for our remortgage!!

    Posted
  • LocalBusiness
    5
    Verified Buyer

    I was looking for some quotes for income protection and life insurance in conjunction to my purchase of my first home. My friend recommended Ryan Goodall at John Charcol and I'm so glad I reached out to him. Ryan was extremely knowledgeable and was able to point out errors that another insurance broker had made when running quotes for me. Ryan was able to get me exactly the coverage I needed at affordable rates. If you're looking to work with an insurance broker with lots of experience I'd highly recommend you contact Ryan.

    Posted
  • LocalBusiness
    5

    Our process was anything but smooth and due to circumstances we had many attempts at various mortgage products. The only reason we were successful is because of the tireless work of Andrew Ireland our broker for John Charcol. Andrew worked on our behalf time after time and got us the results where others failed. Many many thanks and great to find a trusted advisor for the future.

    Posted
  • LocalBusiness
    5
    Verified Buyer

    First time buyers and Lisa has been brilliant throughout - took the time to understand our situation and find the best solution, and even contacted us whenever a better deal became available. Super efficient and available whenever we had questions. Thank you also to Bilal who kept us updated every step of the way!

    Posted
  • LocalBusiness
    5
    Verified Buyer

    Our mortgage broker Indrit went above and beyond to secure us the best deal possible - without him we would not have been able to purchase our home. Our particular situation was somewhat complicated and Indrit was willing to think outside the box, taking a holistic approach to our household income and liabilities, in a way that allowed us to borrow the amount we needed to buy our dream home. We have used other mortgage brokers in the past, who simply ticked boxes and were unable to secure a deal that was better than what we could have secured ourselves online. Indrit was hard-working and skillful and we would highly recommend him!

    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.



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!

Visit Our Insurance and Protection Hub

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.