John Charcol

Business Details

50+ Years

experience

Expert Mortgage Brokers in London

Established in 1974, John Charcol is the original independent mortgage broker in the UK, with over 50 years of expertise in securing competitive mortgage rates for diverse buyers. As a whole-of-market broker, we operate without ties to specific lenders, ensuring impartial advice tailored to individual circumstances. Our team of specialists provides end-to-end support, from initial consultation to application completion, alongside ancillary services like conveyancing and insurance.

Recognised for our award-winning service, we boast over 2,700 five-star reviews, reflecting our commitment to transparency, client satisfaction, and industry leadership. Our approach combines deep market knowledge with a focus on simplifying the mortgage process, ensuring clients secure optimal deals while navigating the property journey with confidence.

Services

Buy-to-Let Mortgages Remortgage Services First-Time Buyer Mortgages Specialist Mortgages Portfolio Landlord Mortgages

Details

Year established: 1974

Highlights and features

We offer 50 years of experience in mortgage brokering.
Our whole-of-market approach ensures access to all lenders.
We are regulated by the Financial Conduct Authority (FCA).
We have over 2,700 five-star customer reviews.
We provide end-to-end support for property transactions.

Associations and certifications

Financial Conduct Authority

What people say

Excellent service Professional team Competitive rates Seamless process Highly recommended

Website

Update Listing

Services

Buy-to-Let Mortgages

We specialise in buy-to-let mortgages for landlords seeking to invest in residential rental properties. Our services cater to both individual and portfolio landlords, offering competitive rates and flexible terms. With expertise in navigating complex income structures, we help clients secure financing tailored to their investment goals, including limited company buy-to-let mortgages and portfolio products.

Remortgage Services

Our remortgage services assist homeowners in switching to better rates or releasing equity from their properties. We evaluate existing deals, compare market options, and guide clients through the process to reduce payments or fund renovations. Our team ensures seamless transitions while considering early repayment charges and long-term benefits.

First-Time Buyer Mortgages

We support first-time buyers in navigating the mortgage process, from initial affordability checks to completion. Our services include guidance on stamp duty savings, deposit requirements, and government schemes. With access to exclusive deals, we simplify the journey to homeownership while addressing common challenges like credit history concerns.

Specialist Mortgages

Our specialist mortgage services cater to non-standard scenarios, including bad credit, self-employment, and expatriate clients. We partner with lenders offering bespoke solutions for unique properties like HMOs, auction purchases, and student accommodations. Our advisors ensure complex cases receive tailored financing options aligned with specific needs.

Portfolio Landlord Mortgages

We provide portfolio mortgages for landlords with four or more properties, consolidating multiple buy-to-let mortgages under a single lender. This approach simplifies management, reduces administrative burdens, and offers potential cost savings. Our team assists in structuring portfolios to maximise borrowing power and streamline financial planning for large-scale property investors.

Questions

What types of mortgages does John John Charcol offer?

We offer buy-to-let, remortgage, first-time buyer, specialist, and portfolio landlord mortgages, alongside protection and conveyancing services.

Are John John Charcol's mortgage rates competitive?

Yes, as a whole-of-market broker, we compare deals across all lenders to secure the best rates tailored to your circumstances.

How does John John Charcol support first-time buyers?

We provide guidance on affordability, deposit requirements, and government schemes, alongside access to exclusive mortgage deals for first-time buyers.

Is John John Charcol regulated by the FCA?

Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under registration number 665649.

Can I get a mortgage with bad credit through John John Charcol?

Yes, our specialist team works with lenders offering tailored solutions for clients with adverse credit histories.

Do John John Charcol offer online mortgage tools?

Yes, we provide calculators for mortgage affordability, remortgage savings, and buy-to-let projections to aid informed decision-making.

Reviews (6)

Write a Review

Desislava Peycheva

Jun 03, 2022 Report

Both, I and my partner are very happy with John Charcol's services. We are very grateful to Michal Alberts and his team for supporting us through our first time buying a property. Michael was wonderful - very supportive, patient, and knowledgeable. He has provided us with the best possible offer in such difficult times.

Naazim Malji

Apr 23, 2022 Report

Waste of time. Didn't take me serious. My offer had been accepted on the house i really needed them, ended up doing my own research and got a mortgage with no issue. Avoid at all costs and do you own research guys.

Jonathan Day

Apr 17, 2022 Report

Disappointing if I'm honest. We had to constantly chase for updates, a simple remortgage took nearly 5 months to complete, with their recommended solicitors charging 3x as much as advertised despite JC being aware of some minor addons (change of ownership on TR1 and one simple letter to a management company). Still JC are adamant an 850 broker fee represents fair charge for service. Not in our experience it doesn't. I wouldn't use again.

Ian Brown

Mar 19, 2022 Report

No market insight, no desire to understand my situation. Tried to dissuade me from proceeding with them because it was 'not worth their time' and told me they would charge me the top end of their fees upfront - 1600 - because they couldn't be sure I would end up taking out a mortgage through them! I was a bit shocked because they advertise as being knowledgeable about quite a range of buy-to-let and specialist mortgages and surely people will call them to try and understand what their financing options are!

They just weren't interested in even starting to talk to me about possible products, lenders, affordability criteria etc. In the end I used a smaller independent broker instead who did not charge me a fee and got me a great mortgage.

Red Animations

Dec 20, 2021 Report

I recently took out a mortgage and used Alex Money as my mortgage broker. I couldn't have been happier with the service I received. My Mortgage situation was quite unique and I was pressed for time, so I really was relying on a good and experienced broker to get me the best value mortgage for my needs. The property purchase price ended up changing and Alex worked with the lender to get the offer amended within hours. Alex, was also really friendly, made the whole process super easy to understand and gave me lots of advise outside of just mortgages. I wouldn't hesitate to use Alex again.

Zak T.

Sep 23, 2021 Report

We have just purchased a property and John Charcol were our mortgage advisors who have been fantastic during the whole process. We will definitely be keeping them in mind for our future mortgage and protection needs. Adam was initially our key contact who advised us on our mortgage options - he really did make everything so painless, taking care of the entire application. Reanne and Hayley were also very helpful, they appeared professional and provided lots of guidance in the latter stages of the purchase!