charcol.co.uk

4.9
4.9 Based on 217 reviews

John Charcol is the original independent mortgage broker, with over 40 years' experience in finding the best mortgage rates for every type of buyer. Whether you are investing in property or are looking to buy your first home, we are experts in providing i...

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Average Rating

4.9

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5

217 Reviews

5 Star
96%
4 Star
0%
3 Star
0%
2 Star
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1 Star
3%

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Richard Hall
Overpriced and poor experts

“I wouldn't recommend... I spoke to them as I had been approved for a 90% LTV mortgage but it was a very high rate due to some adverse credit and a commercial property next to the purchase. John Charcol were supposed to be experts in this type of mortgage so tried them. Firstly their fees were way higher than quoted elsewhere I spoke with a Ryan and he took all my details. He came back to tell me the best he could achieve is a 75% LTV which I know is wrong as I have been accepted for 90% elsewhere and 85% with a high street bank. So in short I don't rate his expertise highly especially given the high price point.

1
Date of experience: Oct 08, 2025
Patrick
The whole experience with John Charcol…

The whole experience with John Charcol has been fantastic. Rebecca McKetty made the whole thing so straightforward, moved things along quickly, and managed to help structure the ideal solution. Would highly recommend.

5
Date of experience: Oct 07, 2025
Sydney Smith
First time buyers

We recently used Louise Hart through John Charcol as first time buyers and she was brilliant. Louise went through all of our options with us when we were considering properties and helped us make an informed decision with our first step onto the property ladder. Once the mortgage application was complete, Louise’s colleague Zerena also continued the communication throughout the buying process and was on hand for anything we needed. We would highly recommend both Louise and Zerena for anyone looking for a knowledgeable and helpful mortgage broker. Thank you!

5
Date of experience: Oct 06, 2025
Lizzy
Our mortgage advisor was extremely…

Our mortgage advisor was extremely responsive and the mortage transfer to the new rate was quick and easy. Exceptional service. Effective outcome. Thanks.

5
Date of experience: Oct 06, 2025
Highly recommend

We couldn't recommend John Charcol enough. Harris has supported us twice now, with our initial mortgage as first time buyers, and recently to remortgage. He's been brilliant at communicating everything so clearly and ensuring we were getting the best result possible.

5
Date of experience: Oct 02, 2025
Jonathan Jackson
Outstanding

Overall, the experience has been incredible, and made simpler than I once thought, but that is truly down to Leanne Dewey putting up with my many questions, she has been amazing and pateint. Explaining to me what is available, what the process is and what to expect, as well as actively keeping me up to date with the the rate changes. Being honest, wouldn't change a thing so thank you.

5
Date of experience: Oct 01, 2025
Moore
New BTL mortgage & Bridging Loan

Really pleased with the advice, responsiveness and professionalism of the team at John Charcol. Michael Coman, Emily Gould and Harry Limburn all made it happen.

5
Date of experience: Oct 01, 2025
Miss Ross
Absolutely fantastic from start to finish

Absolutely fantastic from start to finish. Daniel found us a mortgage very quickly despite our unique situation and made the whole process as smooth as it could be. I'll definitely be recommending Daniel and the John Charcol team for anyone in the market for a mortgage broker! Thank you, team!

5
Date of experience: Oct 01, 2025
Luke
Thank you again, Fiona & Sarah

I can’t recommend the services of John Charcol highly enough. Fiona and Sarah have been incredibly helpful and professional throughout the entire process of my remortgage.I first used John Charcol for my initial mortgage and didn’t hesitate to return to them this time. Once again, the process was seamless and stress-free from my side. They took care of liaising with the solicitors on my behalf - something I found invaluable, as much of the technical side would have gone over my head.Both Fiona and Sarah explained everything clearly at each stage and even took the time to call me personally whenever I received an offer, walking me through the details line by line. That personal touch made all the difference and gave me complete confidence in the decisions I was making.I’ll continue to use John Charcol for all future remortgages. A huge thank you to Fiona and Sarah for making what could have been a daunting process so straightforward.

5
Date of experience: Oct 01, 2025
Fiona Donovan
Excellent

JC has made our mortgage renewal a breeze, and they got us an excellent rate- as they did with our initial mortgage application. I do tend to shop around but staying with JC was a no-brainer especially when I realised we would be staying with the same excellent broker, Kevin L, as arranged for us initially. We’ll likely stay with JC in the future even if we have to pay fees as they make everything so straightforward and I’ve grown to really trust them. A special shout out to Kevin L who has gone above and beyond again to help us.

5
Date of experience: Oct 01, 2025

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Business Details

  • John Charcol is the original independent mortgage broker, with over 40 years' experience in finding the best mortgage rates for every type of buyer. Whether you are investing in property or are looking to buy your first home, we are experts in providing independent mortgage advice for all kinds of buyers.

  • language https://www.charcol.co.uk

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