John Charcol Reviews 

Have used Steven Friend on more than 1 occasion and every time he goes above and beyond, has saved me thousands over the years - very proactive and very "on it" with finding the right deal. Gets back quickly on phone and email too, which makes a huge difference when you're going through the "fun" of buying a home. Outstanding broker and service, 100000% recommend

We received excellent advice and support from Shaahid at Charcol in choosing our mortgage. Despite our slightly unusual circumstances and a last minute change everything proceeded very smoothly thanks to Shaahid and then Zerena.

I had an excellent experience with John Charcoal especially with Molly Wilsden and couldn’t recommend her highly enough. As a first-time buyer purchasing my first house at quite a young age, the whole process felt daunting at times, but Molly made everything clear, manageable, and tried to minimise stress from start to finish.
She was incredibly understanding of my work situation, especially as I work nights and wasn’t always available during typical working hours. Molly was always patient, flexible, and accommodating, making sure communication worked around my schedule.
What really stood out was how thorough she was, she made sure everything was perfect at every stage and took the time to explain each step so I felt confident in every decision. The whole service was truly unfaultable, and I wouldn’t hesitate to recommend Molly to friends and family. Her professionalism, support, and genuine care made my first home-buying experience an extremely positive one.

We have gone to Penny multiple times now regarding our mortgage and she is always incredibly professional, knowledgable and helpful. She has given us some really valuable advice and we are very grateful. Thank you so much Penny x

I’ve had a really positive experience working with Keri on a fairly complex transaction involving a limited company purchase.

They were consistently helpful, knowledgeable, and responsive throughout the process, explaining options clearly. Communication was excellent, and they worked proactively with both solicitors and the lender to navigate timing and lender conditions, which made a potentially stressful process much more manageable.

I felt well supported from start to finish and would happily recommend them.

We were introduced to Sarah by a friend, and I’m so glad we were! From the start, Sarah took the time to explain the mortgage process clearly, which was really helpful. Both Sarah and Michelle were always quick to respond, offering excellent guidance and support throughout our mortgage. Their professionalism made everything smooth and straightforward. We’re truly grateful for their help and would definitely recommend them!

This is the second time that I have chosen Dan and Fiona at John Charcol to arrange my mortgage. They were available to answer all of the silly questions and also for making the late change so easy when the rate changed. I would highly recommend and I will be using them again.

I was introduced to John Charcoal as an independent mortgage brokers by my son, I was indeed, very sceptical at first as I had only worked with banks through the mainstream way. And so I had some complexities on earnings and reaching retirement age, and just as I thought the matter wouldn’t go swiftly I thought of returning to my bank instead. But the team at John Charcoal really worked hard to ensure that this opportunity wasn’t missed on both sides of the business.

Special thanks goes out to; Oliver, Jenny, Katie, Megan, & all inclusive.

Wishing you all a happy and prosperous new year 2026

With much appreciation; Joyce. A. O

Excellent experience getting a mortgage with these guys as broker. Hannah Cassidy has been incredible. She went well over and above to find me the right product, navigating complex hurdles and being professional and acting as an advisor all the way. She honestly deserves a massive raise! Also shout out to Eniko for her quick and meticulous work too. Highly recommended all round.

I cannot say enough good things about John Charcol. I chose them after doing an online search for mortgage brokers who could assist people moving back to the UK after living overseas. Georgijs found us a great mortgage. Not just an okay considering we had just moved back after a lengthy stint abroad mortgage, but a great mortgage full stop. He was very responsive to questions, and Zerena on his team checked in with us regularly throughout the process. They aren't just going through the motions of doing a job, they are providing a service and it's a fantastic one! I would most definitely use this firm again and would highly recommend them to others.

Thomas Hales was very good with our buy-to-let mortgage. He helped us obtain the best rate possible in the market

We had an excellent experience with John Charcol and couldn’t be happier with the service we received throughout our mortgage process.

Our broker, Alvin, was absolutely fantastic. He guided us through every step, explained everything clearly, and was always available to answer questions and offer reassurance. His knowledge and support made what could have been a stressful process feel smooth and manageable.

We’d also like to thank Fiona, who oversaw the operations of our case. Her organisation, attention to detail, and behind-the-scenes support ensured everything ran efficiently and on time.

Thanks to the whole team, the process was seamless from start to finish. We would highly recommend John Charcol to anyone looking for professional, supportive, and reliable mortgage advice.

Amazing service from start to finish. Chased up the solicitors for us and pushed hard to ensure completion. Louise was especially helpful. Definitely recommend and will use them again in the future.

I needed a new fixed rate mortgage & this was dealt with very quickly by Heidi. She was very helpful, professional & explained everything really well. Thanks

My experience with Sophia has been a delight. Sophia has referred me to another service when I was facing challenges. Sophia is very professional. What makes her professional is her time management, transparency, knowledge, experience, and she gets the job done and a women of her word. Sophia advocates in a professional manner working in collaboration. I'm so happy Sophia settled my mortgage and she is good at her job. Sophia asked appropriate questions and will share her knowledge tailoring your own circumstances. I hope her company acknowledge what a great asset she is to her team.

Kirtan my broker and Jenny client relationship manager have both been super helpful, reply quick to emails and text, and give first class service. Kirtan went above and beyond to get my dad and I a mortgage length that another broker couldn’t get us. He even offered me advice on other matters unrelated to mortgage. Both Kirtan and Jenny are super friendly, polite and they never made me feel like I’m asking too many questions. They answered my questions and concerns with kindness and patience. I rarely ever write reviews but reading reviews helped me find the correct people for my life changing decision (buying a property!) I hope my review will help someone else choose Kirtan, as I would choose him again in the future.

Very happy with the overall experience with John Charcol. Olly and Jenny made an amazing team. They worked through some complex mortgage requirements that dragged on due to delays our side, and were professional throughout with prompt communication, accurate information and no pressure. Would recommend and would use again, you get what you pay for in terms of service.

Great efficient service from Jessica and Emma at John Charcoal’s. Very easy to work with. Really knowledgeable and provide sound advice. We’ve used them for over 10 years now and would thoroughly recommend them.