Terrible experience using John Charcol. The process took 3 months. My advisor booked 3 calls - then didn't turn up for them (apologised later). My advisor booked a further 2 meetings which were each pushed back a week because they had decided to take last minute annual leave. I had previously remortgaged myself from start to finish in 2 weeks. I went to John Charcol for professional advice. They took 3 months from start to finish and were incompetent at most steps including double charging fees. I paid the valuation fees for my mortgage illustration from John Charcol and the lender. The advisor then called back later to say the illustration I had been offered was no longer on offer and they would change it. After completing and paying the fees to John Charcol via the new mortgage - I was sent a 14 day demand to pay the £995 fee again. This was very stressful and I was pressured to pay. Subsequently John Charcol apologised for their mistake and refunded me the second fee that had already been paid. Because the process took so long using John Charcol the interest on my credit card consolidation meant it would have been cheaper to use a faster more efficient broker. I would strongly advise against using John Charcol based on my experience.