The original independent mortgage broker

John Charcol is the original independent mortgage broker in the UK. We're award-winning with nearly 50 years’ experience in finding the best mortgage rates for every type of buyer.

Excellent

4.9 Average Rating

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Why Choose John Charcol Mortgage Brokers?

We Take Care of Everything

With over 45 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 1,940 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

4.87 based on 2358 reviews

  • LocalBusiness
    5
    Verified Buyer

    our advisor was a chap named Andrew Ireland, and in all honesty i couldn't have asked for a better advisor, to say I'm happy with the level of service he provided would be an understatement, he did everything possible to get us to the point we needed to be at to finally buy our home, it took nearly a year, but he stuck with us and guided us through, i WILL be keeping his details and i WILL be using again if i ever need another advisor, top man.

    Posted
  • LocalBusiness
    5
    Verified Buyer

    Excellent service from Samm Walker at John Charcol who helped me arrange suitable insurance cover after taking out a new mortgage. As well as being very helpful and friendly, Samm also explained everything really clearly and helped me find a product that met my needs. Would absolutely recommend.

    Posted
  • LocalBusiness
    5
    Verified Buyer

    I recently worked with Razzak as my mortgage advisor, and I was thoroughly impressed. His professionalism, expertise, and friendly demeanor made the entire process seamless. Razzak patiently revised the mortgage plan multiple times, ensuring it fit my needs perfectly. His knowledge and dedication were evident throughout, and I highly recommend him to anyone seeking mortgage assistance.

    Posted
  • LocalBusiness
    5
    Verified Buyer

    Recently brought a house. Mohammad Razzak and his team was very helpful with every step of the way in securing the house purchase, the whole process was smooth from start to Finnish.

    Posted
  • LocalBusiness
    5

    Great estate agent to join if looking to purchase a house. Any questions we had they were able to answer. Kept us well informed throughout the purchasing process. They let us view the property twice when we wanted too and were so flexible with appointments. Thank you to Jess and the team.

    Posted
  • LocalBusiness
    5
    Verified Buyer

    Samm Walker advise me on my life policy and other types of cover. Great service. She was very patient especially during moments of indecisiveness. All in all, happy.

    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

Home 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, for free.

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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.

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JC Legal

We can find you a solicitor to manage the conveyancing part of the process with JC Legal. We choose from an exclusive panel of carefully selected solicitors and conveyancers, saving you time and ensuring you receive excellent service.

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Equity Release

It’s easy to overlook your property as part of your finances, but your home is probably the biggest asset you have. Release money from your home with John Charcol's partnership with Key Retirement. Find out more and start the process today.

Learn More