John Charcol Reviews 

We had a brilliant experience with John Charcol. Our mortgage broker, Alvin, supported by Fiona, gave us expert advice, found us a great mortgage deal and helped us navigate the homebuying process as first time buyers. Alvin was really proactive, reaching out when mortgage rates came down to find us the best possible deal. We would definitely use them again and recommend their service to anyone looking for a great mortgage broker.

Staff were pleasant, polite and we were and kept in the loop promptly and at all times.
Details were explained in plain language and very helpful with any queries we had.
I would have no problem in recommending them
Thank You Very Much

Williams was absolutely fantastic throughout the whole mortgage hunt and house buying process. We'd contacted JC a long time before buying and they were so helpful we decided to stay with them when we actually decided to buy.

William found us a competitive mortgage and kept us updated on changes in rates as and when they occurred. Very responsive and helpful and really couldn't have asked more from him. Thank you!

I would highly recommend John Charcol. Rebecca was so patient with us explaining each part of the lender searching and mortgage process. She replied to emails and phone calls incredibly quickly.

First time buyers here! We had the easiest time with John Charcol! Our advisor Penny made finding a mortgage that fit us super easily. When rejected by a lender, she reassured us and secured us a mortgage with a different lender and also updated us on interest changes and kept chasing people when we needed answers from other parties. Made the experience feel easy and doable.

Don't have a bad word to say about the team at JC. Went above and beyond what I expected a broker would from start to finish.
All calls returned if not answered, emails replied to straight away. Constantly working in the background chasing a painfully slow solicitor on my behalf. A really appreciated service.

Everyone I dealt with at John Charcol was helpful, professional and knowledgeable.

I highly recommend Mike Ritchie at John Charcol.

My Scottish holiday let remortgage was fairly complex, but Mike was personable, thorough and completely on top of everything from start to finish. He explained things clearly, was always responsive, and took a huge amount of stress out of the process.

I felt confident throughout that he genuinely cared about securing the right outcome for me. I wouldn’t hesitate to recommend him, especially for more specialist property finance.

We remortgaged recently and had been given an awful experience with our current mortgage provider, hence I contacted Charcol. We dealt with Georgjis who was absolutely amazing from the start. Listened to my concerns, spent lots of time explaining everything and found us a competitive deal within record time. Hassle and stress free. Thankyou Georgjis and Charcol!

We had a really positive experience arranging our mortgage through John Charcol, and I want to say a big thank you to Rob and Chantelle for all their support.
From the beginning they were helpful, clear and always quick to respond to questions. Buying a property can be stressful, especially with tight timelines, but they kept everything moving and regularly updated us. Whenever something needed chased with the lender, they handled it straight away.
Their communication made a huge difference and helped us feel confident right through to completion.
We truly appreciate all the hard work and would happily recommend John Charcol, Rob and Chantelle to anyone looking for mortgage advice.

John and Zerena were so professional and helped me with all my queries through our purchasing of property, Thank you for all your hard work and patience- it was greatly appreciated

I would highly recommend John Charcol and my advisor Kathryn Nield, who was extremely helpful in finding me my mortgage. I cannot thank her enough.
Kathryn frequently kept me updated on the progress of purchasing my house, and gave me all the support I needed in finding the best product.
I completed my purchase a year ago, and every month I get a Monthly Home Report from John Charcol informing me if my mortgage is still the best product at that time.
I look forward to working with John Charcol and Kathryn when my mortgage needs updating

The mortgage broker was excellent, taking a lot of trouble in finding a good mortgage for me. When things got difficult she supported and guided me through it.
However, the conveyencing department of John Charcol was incompetent, first recommending a solicitor who didn't work with the recommended mortgage provider, and then another which delayed and didn't respond until a crucial repayment deadline was missed. John Charcol's conveyencing staff were useless in sorting this out, and reluctant to recompense me for my financial loss. Finally, proper recompense to me was agreed. Overall, a very bad experience.

We have been using Charcol since the company was formed and have always received excellent professional service. Jessica Childs, our nominated Partner for the past few years has always managed to find excellent deals for our non standard complex mortgage requirements.
Emma Moores, our Client Relationship Manager for the remortgage just completed provided a superstar service managing the legal services provider and lender, keeping us informed throughout the process which put our minds at rest.
We have recommended Charcol to friends and family who have also received excellent service.
Thankyou.

This is the second time we have used Penny Ives for our mortgage/remortgage and we couldn’t be happier with the service we have received. Penny went over and above to get us what we needed on both occasions. Thank you so much for your help.

Alexa & Sundeep were really helpful throughout the mortgage process.
I initially had a few calls with Sundeep who was knowledgeable and spoke through different remortgage opportunities for me.
When receiving the offer, Alexa kept me well informed and supported the whole time.

We used Hailey @ john charcoal after commig highly recommend to us to help with a right to buy property this was our first time doing sonthing like this he couldn't be more helpful.

We just completed our latest remortgage with Charcol (the third or fourth time we've used their services) and, as always, the service has been professional, efficient, and friendly. Nicole was brilliant at helping us navigate the various legalities and ensuring we could change when better deals arose. Many thanks to Nicole and Charcol for taking the stress out of remortgaging and getting us another great deal.

Outstanding service from John Charcoal. We had been let down by another mortgage broker and Shaahid and Zerena were brilliant from start to finish with us. We have now successfully completed on the house. I would strongly recommend John Charcoal for their outstanding service and product range.

I had the pleasure of being introduced to Susy Dalby at John Charcol late in 2025, and she was absolutely excellent in facilitating my re-mortgage alongside Chantelle Parker. Throughout what was an incredibly stressful time for me personally, given that this was the outcome of divorce proceedings and that my parents were becoming unwell, Susy was incredibly empathetic and understanding. She and Chantelle communicated all requirements in a detailed and timely fashion, never leaving anything to chance. They understood the pressing nature of the situation as well as the complexity of it and their service levels were impeccable. I cannot recommend highly enough.