John Charcol Reviews 1,319

TrustScore 5 out of 5

4.9

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the company for its outstanding service, highlighting the efficiency, knowledge, and proactive approach of its advisors. Consumers appreciate the support and guidance received throughout the mortgage process, particularly when navigating complex situations or as first-time buyers. People value the clear communication, personalized attention, and dedication demonstrated by the team. The positive sentiment extends to various aspects of the company's offerings, including its app, the value for money, and the ethical standards upheld. Reviewers express confidence in the company's ability to secure favorable deals and provide seamless service, leading to high levels of satisfaction and a strong willingness to recommend the company to others. The product offered is considered of high value.

Based on these reviews

Rated 5 out of 5 stars

This was our first mortgage and I am so happy we went with John Charcoal. Thanks to our advisor Dan Watkins, the experience was a smooth and positive one. Dan, and his assistant Hollie, were professio... See more

Rated 5 out of 5 stars

I had to switch from a UK residential mortgage to an Expat mortgage as I now live overseas. Very glad I chose John Charcol to manage this as Oliver who managed to find me the deal was thorough and ver... See more

Rated 5 out of 5 stars

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 i... See more

Rated 5 out of 5 stars

This was my first time using John Charcol and my adviser Ian Johnson gave me confidence right from the start. Always prompt and professional, he listened to my needs and was able to source a great r... See more

Rated 5 out of 5 stars

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. Explainin... See more

Rated 5 out of 5 stars

Michael Alberts guided us with very thorough advice throughout the entire mortgage and re-mortgaging process. He gave us a great deal of his time. And without him, I can’t imagine it would have been a... See more

Rated 5 out of 5 stars

We dealt with a really knowledgeable, helpful and responsive partner who was able to save us £1500 on our remortgage compared with the deal offered directly from our existing mortgage provider. His ma... See more

Rated 5 out of 5 stars

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 especiall... See more

Rated 5 out of 5 stars

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... See more

Rated 5 out of 5 stars

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 Dan... See more

Rated 5 out of 5 stars

I had used John Charcol for taking out my initial mortgage and they were my first port of call for remortgaging. The experience was seamless and easy, with a clear check of all available options, with... See more

Rated 5 out of 5 stars

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 everythin... See more

Rated 5 out of 5 stars

David Hanson and Meg Jones both went above and beyond to help us find a mortgage ( we're newly retired). David and Meg were with us every step of the way, advising and reassuring. They then... See more

Rated 5 out of 5 stars

I used broker Penny Ives back in 2018 and 2021. I am currently going through the purchase process again and have of course come back to Penny for another mortgage. Penny is the most efficient and kno... See more

Rated 5 out of 5 stars

Thomas Hale was incredible from start to finish. Easily one of the best customer experiences we’ve ever had. He made the whole mortgage process feel simple, stress free and totally manageable, we hone... See more

Rated 5 out of 5 stars

We started our journey of buying a house for the first time back in February, we contacted Georgia Holmes from Charcol to see about getting a mortgage as our situation was far from ideal, as we had... See more

Rated 5 out of 5 stars

John Charcoal are just brilliant, professional great with communication and a trust that they are finding be the best deal. I couldn't recommend them more highly.

Rated 5 out of 5 stars

Have liaised with Alvin over the last 2 years to check out mortgage options and he has been very patient. As I was ready to proceed he again provided all the options and made the process as painless a... See more

Rated 5 out of 5 stars

Couldn't recommend enough! Daniel has been amazing! As someone who is a first time buyer and not sure of the terminology and language commonly used when applying for a mortgage, Daniel made su... See more

Rated 5 out of 5 stars

A really smooth mortgage renewal from John Charcol. Jess understood our needs and ensured we were on the best deal. We were kept informed at every stage. We will definitely use John Charcol again.

Rated 5 out of 5 stars

I won’t lie being a first time buyer and buying a house seemed daunting at first but Alvin Rajcoomar and Fiona Allen in particular have made the whole journey a real pleasure. There expertise, advice... See more

Rated 5 out of 5 stars

We had a buy to let mortgage arranged by Sarah Teff from John Charcol - she was brilliant and I’d thoroughly recommend her. This was a re-mortgage with a lease extension included in the money raise an... See more

Rated 5 out of 5 stars

My experience was fantastic - a word I rarely use with service providers. I was well informed throughout the process, and kept up to date. My contacts were knowledgeable, experienced, and pushed hard... See more

Rated 5 out of 5 stars

Exceptional service — helped make my dream a reality! I cannot thank Kristy Patel enough for helping me secure my first home. From the very beginning, she made me believe it was possible and reminde... See more

Rated 5 out of 5 stars

Jenny and Jessica took extraordinary good care of us from beginning to the end. The transaction was delayed by several months because of complications with the property. When our first offer... See more

Rated 5 out of 5 stars

The team at John Charcol, including Harry Limburn, Emily Gould and Michael Coman, provided a seamless services. As a team, they were integrated, responsive and clear. They provided us with some great... See more

Rated 5 out of 5 stars

If everyone worked as hard or as effectively as Molly at John Charcol, the world would be a far calmer, efficient and kinder place. We are first time buyers and have just completed on our property, an... See more

Rated 5 out of 5 stars

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 Cha... See more

Rated 5 out of 5 stars

I can’t recommend the team at John Charcoal highly enough. From my very first call with Indrit, I felt genuinely listened to. He took the time to understand my circumstances, explained my options... See more

Rated 5 out of 5 stars

It’s been around 11 years since Andrew and the team first helped us with a mortgage, and since then he’s supported us through three applications. Each time, Andrew has been professional, understanding... See more

Rated 5 out of 5 stars

Using John Charcol as our mortgage broker was a really good experience, I would definitely recommend. We needed to remortgage a flat in order to buy a house, with the added complication of non-standar... See more

Rated 5 out of 5 stars

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.

Rated 5 out of 5 stars

Andrew was great from start to finish. He made understanding the process very easy and was always quick to reply to queries, would highly recommend.

Rated 5 out of 5 stars

We would always recommend John Charcol for being so effective and excellent service! Staff very friendly and polite, helpful, always prompt to answer all our queries. Thank all the team specially Je... See more

Rated 5 out of 5 stars

William at John charcoal was an amazing help to us, securing our first mortgage. Put our minds at ease at times and also went the extra mile securing us a lower rate a few days before completion.... See more

Rated 5 out of 5 stars

I had the pleasure of working with Sundeep Rawat at John Charcol, and I cannot recommend him highly enough. He successfully secured two re-mortgages for me at the same time, a process that at tim... See more

Rated 5 out of 5 stars

Professional service, straightforward application, stress free process all with a friendly approach…. My situation wasn’t straightforward so I thought it was going to be a problem for me to ge... See more

Rated 5 out of 5 stars

I have been dealing with Andrew N. for a long time and he is always very reactive and find the best deal available in the market. Plus their fees are very competitive. Strongly reccomend!

Rated 5 out of 5 stars

Nicole was really quick and helpful at re-fixing our mortgage and let me know when the rates were going to increase so that we could lock in the lower rate.

Rated 5 out of 5 stars

A professional and efficient service, with great communication at every stage. They found a good solution to my unusual mortgage situation and arranged everything with a minimum of fuss.

Rated 5 out of 5 stars

i had Heidi through John Charcol and honestly as a first time buyer i could not recommend enough! she was so cooperative, always there if i needed help or had any questions and made sure to explain e... See more

Rated 5 out of 5 stars

Couldn't recommend enough! Thomas Hale has been amazing! Thomas made sure i was knowledgeable and comfortable before applying for my mortgage. Buying a property is stressful on its own, except an... See more

Rated 5 out of 5 stars

Georgia made it very clear from the onset. She is always updating us about the interest rate and send us a review. She always replies to any correspondence at her earliest convenience. She is excel... See more

Rated 5 out of 5 stars

I would like to start by saying thank you to Molly for all her help, as she was really efficient through out the process. I would definitely recommend her, and if the opportunity comes up again will d... See more

Rated 5 out of 5 stars

Outstanding customer service and knowledge Charles Mills provided a professional and knowledgeable service. His response to contact and questions was outstanding. He secured us a mortgage which we... See more

Rated 5 out of 5 stars

Sergio was a star! We completed on our mortgage mid-September, and Sergio was great, helping us from initial analysis of mortgage offers (given our complex circumstances) all the way through to the b... See more

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

We did our mortgage with John Charcol 5 years ago. Now we did the remortgage. Jenny and Jessica are amazing. They made the all process so easy and smoothly. They are helpful, friendly, knowledgeable,... See more

Rated 5 out of 5 stars
Verified

We recently worked with Jessica, Lily and the team at John Charcol for our remortgage, and once again they’ve been outstanding. Our options were very limited due to a specific situation, but they... See more

Rated 5 out of 5 stars
Verified

We could not have asked for a better mortgage broker. Molly Wilsden went above and beyond, making us feel supported throughout. This could not have happened without her guidance, persistence, and dedi... See more

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Company details

  1. Mortgage Broker

Information provided by various external sources

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.


Contact info

4.9

Excellent

TrustScore 5 out of 5

1K reviews

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Replied to 100% of negative reviews

Typically replies within 24 hours


Rated 5 out of 5 stars

V helpful

V helpful, competent, will use again. Worked with Jessica- was recommended by a friend and will recommend to my other friends!

I also was grateful to John Charcol offering a full refund a couple years ago when the product fell through, no fault on either side

October 20, 2025
Unprompted review
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Rated 5 out of 5 stars

John Charcoal brilliant with…

John Charcoal brilliant with communication, I had Chelsea and Zerena and honestly as I first time buyer I could not recommend enough they were cooperative always there if I had any questions and I am very happy I went with John Charcoal
Thanks again to Zerena and Chelsea

October 20, 2025
Unprompted review
Rated 5 out of 5 stars

Care and diligence at John Charcol

Second time using John Charcol, once again a very thorough and pleasant experience. The care and diligence sets them above the rest. Special thanks to Fiona and Alvin for helping me with my second mortgage.

October 16, 2025
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Rated 5 out of 5 stars

Expat mortgage - great service

I had to switch from a UK residential mortgage to an Expat mortgage as I now live overseas. Very glad I chose John Charcol to manage this as Oliver who managed to find me the deal was thorough and very helpful in application process and afterwards Jenny who managed all the legal/admin part afterwards was again helpful and professional throughout. Happy to use them in future.

October 15, 2025
Unprompted review
Rated 5 out of 5 stars

i had Heidi through John Charcol and…

i had Heidi through John Charcol and honestly as a first time buyer i could not recommend enough! she was so cooperative, always there if i needed help or had any questions and made sure to explain everything in so much depth if i was unsure and a extreme pleasure to go through the process for the first time with her by my side! 10/10 thanks so much Heidi xx

October 15, 2025
Unprompted review
Rated 5 out of 5 stars

Happy Customer

This was our first mortgage and I am so happy we went with John Charcoal. Thanks to our advisor Dan Watkins, the experience was a smooth and positive one. Dan, and his assistant Hollie, were professional, responsive and moved things along quickly and efficiently. We wouldn't hesitate recommend them. Thank you, Dan and the team at John Charcoal.

October 10, 2025
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Rated 5 out of 5 stars

Easy mortgage renewal

A really smooth mortgage renewal from John Charcol. Jess understood our needs and ensured we were on the best deal. We were kept informed at every stage. We will definitely use John Charcol again.

October 10, 2025
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Rated 5 out of 5 stars

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!

October 6, 2025
Unprompted review
Rated 5 out of 5 stars

Highly recommend

We did our mortgage with John Charcol 5 years ago. Now we did the remortgage. Jenny and Jessica are amazing. They made the all process so easy and smoothly. They are helpful, friendly, knowledgeable, very quick response to all questions. Big thank you! And definitely will use them for my next remortgage.

October 8, 2025
Unprompted review
Rated 5 out of 5 stars

Friendly and knowledgable service

We dealt with a really knowledgeable, helpful and responsive partner who was able to save us £1500 on our remortgage compared with the deal offered directly from our existing mortgage provider. His management of the process was smooth and hassle free. Would definitely highly recommend the service to friends and family.

September 18, 2025
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Rated 1 out of 5 stars

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.

October 8, 2025
Unprompted review
John Charcol logo

Reply from John Charcol

Hi Richard,

We’re sorry to hear that your experience with us did not meet your expectations. We always aim to provide expert advice and competitive solutions for our clients, so it’s disappointing to learn that we fell short on this occasion.

We take feedback like this very seriously and would welcome the chance to understand more about your case, including the details around loan-to-value options and our fees. If you could contact our Complaints Officer at complaints@johncharcol.co.uk or call us directly, we will investigate promptly and keep you updated throughout the process.

– Robyn @ John Charcol

Rated 5 out of 5 stars

Sergio was a star

Sergio was a star! We completed on our mortgage mid-September, and Sergio was great, helping us from initial analysis of mortgage offers (given our complex circumstances) all the way through to the big day.

September 15, 2025
Unprompted review

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