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
Make a Mortgage Enquiry
We work with more than 120 mortgage lenders, including:
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 1,960 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
LocalBusiness2384 reviews
- LocalBusiness5
Anonymous
Verified BuyerLeigha is a credit to John Charcol. We were very anxious that we would find a good deal due to my husbands bankruptcy 7 years before, but Leigha got to work on finding us a great deal and made the whole process straightforward and stress free. Thank you for all your help. Highly recommend
Posted - LocalBusiness5
Nicholas
Verified BuyerBrilliant service and I would highly recommend Samm Walker who was fantastic throughout!
Posted - LocalBusiness5
Anonymous
James Clark was very helpful and patient in taking the time to find products to match our requirements and explain how these work. He was very professional throughout and I would recommend his services.
Posted - LocalBusiness5
Anonymous
Actually listened to my needs/concerns and then researched my cover/ protection before suggesting alternatives, which in the end have saved me money.
Posted - LocalBusiness5
Ajan
Verified BuyerMichael Williams was extremely professional, courteous and knowledgeable. I couldn’t have bought my dream house without him. Thanks again.
Posted - LocalBusiness5
Anonymous
I had an extremely pleasant experience using John Charcol. Thank you very much, Karol Wolosiak, for the efficient, friendly, and professional service you provided. I would definitely recommend Karol if you are looking for a great mortgage advisor.
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
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.
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
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
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.