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
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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
United Kingdom
- www.charcol.co.uk
Replied to 100% of negative reviews
Typically replies within 24 hours
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
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
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.
John Charcoal are just brilliant
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.
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.
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
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.
Michael Alberts guided us with very…
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 as easy.
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.
Andrew was great from start to finish
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.
An excellent service at a reasonable price
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.
Used Penny at John Charcol for the 3rd…
Used Penny at John Charcol for the 3rd time. As always she was amazing and really helpful. Thank you.
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!
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.
Georgia made it very clear from the…
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 excellent at her job.
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.
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.

Reply from John Charcol
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.
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.
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