John Charcol Avis 

The representative dealing with my Morgage application was outstanding at the job she done. I would highly recommend this company for anybody wanting to re-Morgage property through this company.

attentive, understood our need and identified the right products for us. clear and responsive in comms.

I was in a really tough position with a Status 6 marker on my credit file. Even though I had paid my mortgage on time for 24 months, I just couldn’t shake the historic arrears that had built up following a family bereavement. I approached so many companies that claim to specialise in adverse credit, and every single one of them turned me down the minute they saw my case would be a bit tricky. I wasted a lot of time with specialists touting big claims about dealing with "nightmare scenarios," only to be let down.

It was out of pure frustration and as a last resort that I went to John Charcol. I had used them some years ago and they were just as good then, but I didn't realise they also dealt with complex cases like mine. But they do. They deal with every type of customer that needs mortgage financing, and in my case, succeeded where everyone else failed.

I dealt with Molly Wilsden, who is a partner at John Charcol, and I have to say—she is a total cut above anyone else in the market. Right from the start, she completely understood my situation and showed genuine empathy, treating me like a human being rather than just another money-making client. Her knowledge of the market is incredible—she did extensive, transparent research and simplified the whole process for me.

The speed at which she works is phenomenal, yet it never felt rushed or overwhelming. She answered every enquiry made by phone or email quickly and efficiently, and constantly followed up without ever being pushy. In her updates, it was clear she had considered every eventuality and option, which is exactly what you want from a real broker who knows their business.

She knows how to package a deal, sell it to the lender, and match your requirements perfectly with their criteria. Molly managed to get me a deal within just a few weeks, and the entire remortgage was completed smoothly and seamlessly within a couple of months.

John Charcol are a class act in a headline-grabbing industry that now appears to be overrun with people claiming they can help when they can't. If you want a creative broker who truly knows their business and isn't just there to push paper, there is no one better.

Whether you have A1 credit or a complex credit history, do not waste your time anywhere else. Ask for Molly at John Charcol—I honestly cannot thank her enough. She is absolutely brilliant.

From start to finish the team at John charcol were incredibly helpful and responsive, from Sundeep helping guide us through the best route for our requirements to Jessica and Emily providing support and answers to get us all the way to a offer we were really pleased with couldn’t recommend them enough!

I cannot recommend Kathryn at John Charcol highly enough.

From our very first conversation, Kathryn was friendly, approachable, knowledgeable and incredibly helpful. She took the time to explain everything clearly, provided excellent advice throughout the process and made what could have been a very stressful experience much easier to navigate.

Unfortunately, I encountered significant issues with my solicitor during my house purchase. Whilst this was completely outside of Kathryn's role and responsibilities, she stepped in to help and became an invaluable source of support throughout the process. She proactively chased matters, kept things moving wherever possible and made me feel supported every step of the way.

Had it not been for Kathryn's dedication, persistence and willingness to help, I genuinely do not believe I would have been able to complete my house purchase. She had absolutely no obligation to do what she did, and it undoubtedly created additional work for her with no benefit to herself, yet she did it anyway because she genuinely cared about helping her client achieve the best outcome.

Kathryn is an absolute credit to John Charcol and provides a level of service that is becoming increasingly rare. I am incredibly grateful for everything she did for me and would not hesitate to recommend her to anyone looking for mortgage advice and support.

Hassle free, fantastic service. Katherine, Alvin and team went the extra mile to make sure our mortgage process was on track and met our needs. Can’t fault them

Molly was amazing start to finish. She was the only reason my mortgage went through so quickly! She was always there to answer any of my questions by email / phone without fail. I could not recommend anyone more wonderful and helpful!

Leanne Dewey Thank you so much!!! Absolutely amazing service .. we are on the road to our dream and could not have done this without Leanne’s help. Totally listened to our situation , kept to her word when calling , never over promised and was honest on our situation. Kept in contact and was always on hand when needed. Please do not look elsewhere. Even if we could not get a solution I would still be leaving this review as they are an amazing team and fantastic at what they do. An overwhelming massive thank you Leanne

My experience working with a John Charcoal during the period of remortgaging was exceptional. In particular Mr. Anthony Moore who show professionalism, knowledge and treated us with care and support.
I would recommend this service to anyone without thinking twice. It was simply the best.

Second time I’ve used these guys, they found the right outcome for me both times (either by brokering or giving impartial advice). Anthony was a good guy to work with and gave honest advice, we actually ended up going straight back to current lender. Would use these guys again.

Excellent support guidance and customer service from Daniel Williams at John Charcoal. He was with us every step of the way. It was the best choice and decision we ever made, especially after disappointment from other firms. Really appreciate all your support and thank you .

6 months process to close a simple mortgage wasn’t what I anticipated going into this. Poor recommendation from John Charcol of an unprofessional solicitor that delayed the process. Overall average at best experience.

Jessica, Emily and Chantelle provided help and support throughout the process. The loan provider was very particular, which is only to be expected in this current financial climate, but they never got frustrated and kept me informed at every stage. Many thanks to all three of you.

Andrew was fantastic in supporting us, as first time buyers we felt supported throughout the process of buying our first home. Thank you for the great service and experience Andrew!

I had a brilliant experience with John Charcoal and would highly recommend them, especially to anyone with a more complex mortgage situation.

As a single first-time buyer in London, my case was not straightforward, and I had previously been rejected by high street banks. Alvin was excellent throughout the whole mortgage process. From the start, Alvin took the time to understand my circumstances properly and explored lots of different mortgage products to find the right option for me.

What really stood out about Alvin was that he did not just look for the easiest or most obvious option. He took the time to understand my circumstances, compared different lenders and products, and explained why some options would or would not work. Alvin also helped present my case in the best possible way, which made a huge difference after being rejected by high street banks.

Alvin’s knowledge of the market, including non-standard and specialist mortgage providers, made all the difference. He explained how the different products worked, what my options were, and why certain lenders would be more suitable for my situation. His persistence, knowledge, and clear communication gave me confidence at a time when I thought getting a mortgage might not be possible.

I also want to mention Kathrine H, who was incredibly helpful in chasing solicitors, keeping things moving, and helping with the additional bits that come with buying a home. Her support made the process feel much less stressful.

Holly Grant was also fantastic in helping me arrange the right protection, including life insurance, income protection, and critical illness cover. She explained everything clearly and made sure I had the right cover in place for my circumstances.

Overall, Alvin and the wider team at John Charcoal were knowledgeable, supportive, and persistent from start to finish. I am very grateful for Alvin’s help in getting me onto the property ladder and would happily recommend him and the team to other first-time buyers.

Is the 2nd or 3rd time having used JC as a broker and again have offered well considered options and best advice, based on our previous requests and different wants each time. We had Charlotte Rischmond supporting us this time round and kept up the positive experience we've had with JC, covering available options and good advise following our questions on each. Staying in touch and keeping us updated throughout the period until the end, confirming everything on completion too. Great service all round again!

Katherine was absolutely brilliant throughout. She guided me through any frustrations I had with the systems and chased accordingly. Outstanding service from John Charcol, once again!

A fantastic customer service was provided to me by Heidi Halley and I would highly recommend John Charcol to anyone looking for advice and options about anything to do with mortgages. In my case I was treated with empathy and understanding.
A timely and simple to understand experience and definitely a company I would use again

We have been working with Chris Lally for many years for all of our mortgage needs. Chris has always provided excellent advice and delivered. Thank you Chris for our latest remortgage deal! I cannot recommend Chris highly enough.