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 1,940 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
0330 057 5173£Cutlers Exchange, 123 HoundsditchLondonEC3A 7BU
Excellent
LocalBusiness2367 reviews
- LocalBusiness5
PAUL
Daniel Spragg recently helped me with a new mortgage and a life insurance product. I was absolutely delighted with the level of service provided from Daniel. From minute one, he was attentive, very knowledgeable and did exactly what he promised, which is all that can be asked for of any professional service. During the period on waiting for the mortgage to be approved, he gave regular updates and always kept me in the loop. I would not think twice about using them in the future.
Posted - LocalBusiness5
Anonymous
Verified BuyerSamm was a pleasure to deal with, both knowledgeable and personable. She really considered my needs and budget and was able to deliver on both. Would highly recommend!
Posted - LocalBusiness5
Anonymous
Good product knowledge and follow up
Posted - LocalBusiness5
R
Verified BuyerExcellent service. Attentive, professional and a clear understanding of both the market and the needs of the customer. We can highly recommend David Rounsfell of John Charcoal for your mortgage needs.
Posted - LocalBusiness5
Alison
Verified BuyerI have just completed on my house purchase and am delighted with the service I received from Victoria Todd at John Charcol. This is the second time I have asked for her help, and on each occasion she went the extra mile to deliver prompt, excellent advice. We had to change the requirements halfway through, and she has always been able to adapt or make helpful suggestions. The team also put me in touch with other support on the house sale, all good advice and service from their partners too. I would have no hesitation in recommending Victoria and John Charcol services, their professionalism will get you through the stress of UK house buying!
Posted - LocalBusiness5
Michael
David Pundey, I want to extend my heartfelt thanks to you for the exceptional guidance and support you provided throughout my mortgage application process. Your expertise and dedication in addressing every issue that arose were truly invaluable. From the very beginning, you offered clear and insightful advice, ensuring that I understood each step of the process. Whenever challenges came up, you were quick to find effective solutions, which greatly eased my concerns. Your professionalism and responsiveness made a significant difference, and I am very happy with the service you provided. Thank you once again for your outstanding assistance.
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
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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.
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 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.
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.