Business Details
50+ Years
experience
Your Trusted Mortgage Broker in London
Established in 1974, we are the original independent mortgage broker in the UK with over 50 years of industry experience. Our independent status enables us to search the entire mortgage market to secure the best deals tailored to individual client needs. We provide expert advice across all market segments, supported by specialist teams who guide clients through every stage of the mortgage process.With a reputation built on long-term relationships and successful outcomes, we offer a comprehensive service that extends beyond mortgage arrangement to include conveyancing, insurance, and post-purchase support. Our commitment to client satisfaction is evidenced by over 2,700 five-star reviews, reflecting our ability to simplify complex transactions while maintaining cost-effectiveness and transparency.
Services
Buy-to-Let Mortgages
Remortgage Deals
First Time Buyer Mortgages
Portfolio Landlord Mortgages
Second Charge Mortgages
Mortgage Protection Insurance
Conveyancing Services
Details
- Year established: 1974
Highlights and features
- We have 50 years of experience in the mortgage industry
- We operate as a whole of market broker
- Our team includes FCA-regulated mortgage experts
- We have over 2,700 five-star reviews on reviews.co.uk
- We provide end-to-end property transaction support
Associations and certifications
- Financial Conduct Authority
What people say
Professional and knowledgeable team
Excellent mortgage deal secured
Clear and efficient process
Highly recommended service
Confident mortgage guidance
Services
Buy-to-Let Mortgages
Specialist buy-to-let mortgage solutions for property investors. We offer competitive rates for both individual landlords and portfolio investors. Our expertise includes limited company buy-to-let mortgages and portfolio products that consolidate multiple properties under one lender. With access to the entire market, we help clients secure optimal financing for rental properties while considering tax efficiency and long-term investment strategies.
Remortgage Deals
Comprehensive remortgaging services to help homeowners secure better rates. We specialise in interest-only remortgages, fixed-rate deals, and product transfers. Our team analyses current mortgage terms and market options to identify savings opportunities while considering early repayment charges and loan-to-value ratios.
First Time Buyer Mortgages
Tailored mortgage solutions for first-time buyers entering the property market. We provide guidance on stamp duty calculations, deposit requirements, and available government schemes. Our services include affordability assessments and access to competitive deals specifically designed for new home purchasers.
Mortgage Protection Insurance
Insurance products to protect mortgage commitments against life's uncertainties. We offer life insurance, critical illness cover, and income protection policies that ensure mortgage payments continue during financial hardship. Our advisers help clients select appropriate coverage levels that align with their mortgage terms and personal circumstances.
Conveyancing Services
End-to-end conveyancing support for property transactions. We connect clients with experienced conveyancers who handle legal aspects of property purchases, including contract exchanges, title transfers, and completion processes. Our network ensures efficient handling of both residential and buy-to-let property transactions.
Questions
What mortgage types do you specialise in?
We specialise in buy-to-let mortgages, remortgaging, first-time buyer mortgages, portfolio landlord products, and second charge mortgages.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under reference number 665649.
How do you find the best mortgage rates?
As a whole-of-market broker, we compare products from all lenders to find the most competitive rates suited to your circumstances.
Can you help with complex income structures?
Yes, our experts specialise in handling complex income scenarios including self-employment, limited company structures, and portfolio landlords.
What additional services do you provide?
We offer conveyancing referrals, mortgage protection insurance, life insurance, and post-purchase support services.
How long does the mortgage process take?
Typically 4-8 weeks, depending on property valuation and lender processing times. Our team expedites applications through proactive management.
Reviews (6)
Desislava Peycheva
Jun 03, 2022
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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
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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
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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
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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.
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
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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
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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!
