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.

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

Nearing the end of your fixed term? Or maybe it’s just time for a better mortgage rate? See what mortgages deals are on the market right now.

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.



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 2,200 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

John Charcol0330 057 5173£

Cutlers Exchange, 123 HoundsditchLondonEC3A 7BU

Excellent

LocalBusiness

4.88 based on 2633 reviews

  • LocalBusiness
    5
    Verified Buyer

    Samm Walker our advisor has been first rate throughout providing excellent advice and guidance throughout. We are extremely grateful for all her help and would not go to anyone else re protection policies. I couldn’t not recommend anyone better. Many thanks

    Posted
  • LocalBusiness
    5
    Verified Buyer

    Randeep Sodhi managed our remortgage extremely well and was particularly helpful in dealing with the whole process. We look forward to working together again.

    Posted
  • LocalBusiness
    5
    Verified Buyer

    My interaction at John Charcol was with a very experienced and knowledgeable person by the name of Lisa Gilsenan. She assisted me with the whole mortgage process from start to finish up until the mortgage offer was approved. Lisa Gilsenan, is a very helpful individual and I highly recommend her as an experienced mortgage broker and consultant who provides an exceptional level of service. Communication with Lisa exemplary and of the knowledge of the overall mortgage market with lenders was of the highest standard and quality. The fees were very competitive and I recommend Lisa and the firm, john charcol. Thank you for your support in achieving a mortgage.

    Posted
  • LocalBusiness
    5

    Steven Prior has advised and helped us with our mortgage needs and remortgaging over 8 years. He has always been helpful, knowledgeable, professional and timely in all the dealings we have had with him. He has had an excellent knowledge of what is available and clear with his explanations as to the benefits (or otherwise) of different products. I am happy to recommend him and John Charcol and we would continue to use them in the future.

    Posted
  • LocalBusiness
    5

    Excellent service from Thomas Bridle for our life insurance needs. All sorted very fast and great communication. Highly recommend.

    Posted
  • LocalBusiness
    5

    It was a pleasure working with both Karolina and Eniko . Karolina provided excellent advice which was crucial in choosing the best lender and Eniko kept us updated and followed with other parties to make sure the transaction was running smoothly. Was a great pressure working with you both and thank you very much.

    Posted

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