John Charcol Avis 

Kristy Patel has been exceptional from start to finish. She provided clear guidance and consistent support, even though our case involved complex international aspects. Truly excellent work - thank you, Kristy!

I had been let down by my mortgage broker and was in a spot. My mortgage was tricky and not straightforward. In addition I was running out of time. I contact John Charcol and was put in contact with broker Mike Ritchie. From the off Mike was brilliant, understood the limitations and worked thoroughly and dutifully to get the deal we wanted. Additionally he gave great advice all the way through, communication was excellent. I hadn’t heard of John Charcol before and had been searching online desperately for a company with pedigree and good reviews. Honestly, I couldn’t be happier, John Charcol and broker Mike Ritchie were brilliant. I recommend them. (And I never leave recommendations!)

Rebecca Mckety was absolutely amazing with getting the Mortage sorted for me she was very quick at responding and organising. I have used John Charcol before and would 100 percent be returning for my next property later in the year.

Just had my mortgage completed. Great company and made it all stress free. Including chasing solicitors to complete on time. Highly recommended

John Charcol have been fantastic, and particularly Leanne Dewey, supporting us through several attempts to buy a property and finally getting us through to completion. Their support has been really valuable to us, and made the process so much easier overall. I'd recommend them without hesitation to anyone considering getting a broker to help them through.

Alvin was excellent. He is knowledgeable, very thorough and showed initiative. Adverse entries had been wrongly added to my credit report without my knowledge after I moved house. I was very concerned but Alvin advised me and put my mind at rest. I had the entries removed and, in the meantime, Alvin found a good mortgage. Fiona was also very helpful. I thought John Charcol's fee was high, but it was worth it. I have no hesitation in recommending Alvin.

I had a great experience with John Charcoal as my mortgage broker. Alex was great, no question was silly, he was always happy to help and responded to everything very promptly. My purchase took a long time and he continued to monitor the market and get me a better deal when available! I would definitely use John Charcoal again!

This is a return visit for us, we were so impressed with our initial experience two years ago. A very proactive team that supported us through a complex application process. Huge appreciation and special thanks to Nicole Leng for her prompt responses to our queries, reassurance, guidance and perseverance. Nicole represents John Charcol with the best intentions and we are so grateful to her for her commitment to us and our application. She made it very personal. Thank you!

It's been a long, 11-year experience with Mr. Andrew Nicholson, who has provided us with several mortgages. He has been professional, very trustworthy, quite helpful, and considerate with our specific circumstances. I will continue having further business with him and would strongly recommend him.

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.