John Charcol Reviews

Name: John Charcol
Address: St. Helen's, 1 Undershaft, London, London
Rating: 4.87

4.9 Rating 2,337 Reviews

98 %

of reviewers recommend John Charcol

Company Reviews

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4.9

Based on 2,337 reviews


Customer Service
Communication Channels	Email, Telephone, Live Chat
Queries Resolved In	Under An Hour
Customer Service	5 out of 5

About John Charcol:

John Charcol is an award-winning team of independent mortgage experts who provide friendly and professional advice both over the phone and in person. We help thousands of people each year and have become one of the top mortgage brokers in the UK.

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John Charcol 5 star review on 23rd April 2021

Vicent A

Anonymous

Anonymous // 01/01/2019

Filter: Helpful None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Razz was very friendly and approachable. Sorted us a mortgage really quickly and always at the end of the phone to respond to our questions.”

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Posted 3 years ago

“Professional and friendly service from Randeep would recommend”

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Posted 2 years ago

“Being a first time buyer I was unsure of the process of buying. John Charcol was a great help from start to finish. Special thanks to Jessica and Lauren in the Southampton office . Excellent service throughout and would highly recommend 😊”

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Posted 1 year ago

“John Charcol have been a brilliant mortgage broker, finding me a rate than no-one else did. They are worth the fee compared to supposedly other "free" brokers. In particular both Shaahid Quinn and Scott Hodder were supportive, helpful and very quick to work with.”

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Posted 1 year ago

“Fantastic service from Randeep at John Charcol. Help me secure a mortgage as a new director when other providers could not. Communication was always prompt snd clear with what was required. Excellent service all round.”

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Posted 2 years ago

“Razz provided fantastic support throughout the whole process, Customer service is second to none. We thought applying for a mortgage was going to be very stressful but thanks to Razz this was not the case. Highly recommend.”

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Posted 3 years ago

“I would like to say at first I was reluctant to use a large Broker , But I must say the level of service I received from Tiara , was excellent, But also backed up by Emily Gould with the very best support To tiara, The level of contact by Emily was the best. (She always called me back when she said she would) I really don’t think they could have not done anymore It really helped by having the best solicitor you could have.”

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Posted 3 years ago

“Initial contact with any organisation is perhaps the most crucial moment that influences your impression of who you are dealing with. Jake Cousins was my 'initial contact' and he was an ultimate professional and a credit to your company. Following on, the service I received from Mia, then David and lastly and in particular, Gemma Kahn was first class. I would not hesitate to recommend your brokerage to anyone who is seeking a Mortgage of any description. Many thanks.”

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Posted 5 years ago

“Michael was nothing short of amazing from start to finish. Always on hand to answer any of our queries throughout the process of buying our first home. He was thorough and made sure to take time to explain everything to us in a way we felt comfortable. Brilliant service, couldn’t recommend more.”

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Posted 6 months ago

“Over the last 2 years, the housing market has been volatile. We were first time buyers, with no knowledge on how to navigate the different complexities. Steven Prior from John Charcol helped us throughout the 2 years it took us to land a purchase, inspite of all the ups-downs we witnessed as buyers. He was patient, incredibly helpful, and provided key insights on the process whenever we needed. He was also quick to deliver on any brokerage / lender related work which ensured that as a buyer we moved fast throughout the transaction. Even when on leave, he ensured that his colleagues were avaliable to help us out. Thankyou Steve, Matt, the firm - John Charcol for helping us get our first house. You were probably the best folks I came across in the entire process.”

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Posted 7 months ago

“Excellent professional, knowledgeable and friendly service from Gemma Clarke who found the perfect deal for us. Luke Mason was proactive and efficient supporting the process through to a quick completion. Wouldn't hesitate to recommend!”

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Posted 1 year ago

“Great team, got my application completed in matter of hours putting in extra effort to hit our deadlines. Brilliant!”

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Posted 1 year ago

“As a first time buyer, I had no idea what to expect with the mortgage process and had many questions which Chantelle Parker was happy to answer in simpler terms and made sure I understood what was happening. Santander came back with a few different questions and needed more information on 3 occasions and I was very anxious about the whole process but Chantelle did a brilliant job of reassuring me and keeping me updated at every stage. She made a very stressful time as stress-free as possible. Would 100% use again in the future and would recommend to others too.”

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Posted 1 year ago

“I have used John Charcol for many years sorting mortgages for myself and my companies. Until now I have never had any issues but this contact has been so dreadful and expensive that I cannot believe it was with the same firm. I was trying to arrange to port my son and daughter’s NatWest mortgage onto a new property for them. It should have been very simple but John Charcol had sorted the original mortgage so I thought it better to let them do it. We were looking for an increase as well as the original sum as is normal in the circumstances. I explained the position to broker Dan Watkins, he asked for the supporting documents, my daughter is self-employed and son, sadly, is permanently disabled so survives on benefits. Everything was emailed over. A couple of days later Dan comes back with great news – “We’d be able to achieve borrowing capacity of £304,000 taking into account the benefits and the last 2 year average income from self-employment. This is assuming there is no ongoing debts or commitments.” I confirmed there were no debts or commitments and checked that the mortgage was NatWest ported, which Dan confirms. Great! Dan wishes us luck house hunting! – “Thanks and best of luck with the property search.” We went house hunting, with the mortgage sum being £10K more than we expected it was good when we found a suitable house and had an offer accepted on it. We had had an offer on our existing house, a cheeky £25,000 below the asking price but the agents were confident they would push it up a bit. Purple bricks started to push us for proof of money, I sent the email from John Charcol and the estate agent confirmed the offer on our property – all fine. Purple bricks came back asking for an AIP from NatWest not an email from John Charcol. I emailed Dan asking him to get one, he said it would take a couple of days. After four days with no news I called him but got an answerphone twice. I called the main switchboard, was told Dan was on holiday! I was put through to Daniel Harris. He was great, he looked at the file, no AIP had been received from NatWest but he said that the figures all looked fine and that Dan had committed John Charcol to getting us a mortgage so he would send me a John Charcol AIP which he stated, “Purple Bricks would be happy with since JC never failed to honour an AIP.” We discussed what would happen if NatWest came back with a lower figure and Daniel explained that they had loads of borrowers that would easily cover the £304,000 and the early settlement penalty, £6,000 from NatWest. He repeated that JC never breaks a commitment. The AIP arrived from JC and I sent it to PurpleBricks who immediately confirmed it was fine. My daughter was concerned that we could lose the house if someone else made and offer so we finalised it and told our agents to agree to the £400,000 offer on our property so we could get the legal teams in action. We were using the same lawyers we had used previously and told them to get on with it. We had a small party, we had apparently bought the house we wanted. Then PurpleBricks came back saying they needed a bank AIP, I think the JC one just didn’t match a tick box on their check list but I chased Dan again, his reply took the ground out from under our feet! “Sorry to hear there’s issues with our Certificate. The case was originally referred to NatWest and we had to wait a while for a response on this. In the meantime I believe this certificate was provided to you. We have had a response back from NatWest and they have stated the maximum amount of borrowing allowed would be £258,200 after review of the application as a whole. We are now falling short of the amount required so I’m not sure how you would like to proceed at this stage.” NatWest had come back £45,000 less than Dan had stated initially. I replied reiterating Daniel’s comments, Dan said he would talk to Daniel to see what was agreed. Dan came back with an email that shocked us, “I’m very sorry for the miscommunication from Daniel, he provided this without checking the referral details with NatWest which were still pending; he has now left the business. We should not be providing AIP certificates without finalising checks first and I appreciate that it has caused you a lot of inconvenience for you all.” It was Dan that committed JC to the £304,000 by his statement – “We’d be able to achieve borrowing capacity of £304,000” Daniel just followed his lead after looking at his figures! John Charcol refuse to honour their commitment made by Dan or the AIP issued in Dan’s name by Daniel. There was no reason for us to doubt that the £304,000 was correct when we received the AIP. We accepted an offer for £400,000 for our house on the basis that the £304,000 would allow us to complete the deal on buying our new house. That now comes back to bite us, that buyer has gone elsewhere since we haven’t got a house to buy leaving the chain incomplete and other viewers all offer £400,000 to match the last accepted but incomplete sale price, social media means there are no secrets! There is little chance we will attain the £425,000 price that the estate agents believe is the actual valuation of the house now so we have lost £25,000 and have little or no chance of ever completing on the purchase of our house. John Charcol have seriously messed up and will not even talk to u about it, we just get rubbish replies, the initial line from Dan was a ‘GUIDE’ based on his use of the NatWest Calculator but that was never stated nor were we warned when he wished us good luck house hunting! The AIP is effectively a PROMISE to get that mortgage if nothing has changed, we didn’t have time to change anything! It appears John Charcol are now employing low grade staff who take shortcuts and rely on being bailed out by their seniors but issuing a false AIP gets you fired showing just how serious it is . Will anybody ever accept a John Charcol commitment or AIP after the way they behaved here?”

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Posted 1 year ago

Hi Chris, Thank you for taking the time to leave a review. As you know from our ongoing discussions we are disappointed that the service you received when assessing your affordability fell below our normally very high standards, and the standards that you will have expected based on your previous experiences with us. While we acknowledge and sincerely apologise for the experience you have had so far, we maintain that a number of your comments below are unsubstantiated but we will continue to be open and transparent with you throughout our investigation. We understand you, as well as us, are keen to resolve these issues in order to proceed with an application and we'll continue to work with you on this. Kind regards, Alice

Posted 1 year ago

“Randeep Sodhi’s service was excellent every step on the way. It wasn’t the most straightforward transaction, and he was very patient and resourceful at getting things sorted. Would highly recommend Randeep in particular.”

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Posted 2 years ago

“John @John Charcoal couldn’t have been better. Highly professional, quick response rate, accurate and timely advice. Very happy all round.”

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Posted 2 years ago

“Scott Barron provided an amazing service for a few key reasons. Firstly, as a Kenyan resident (ex UK), he found a product for me. This wasn't easy to find and certainly took time to get approved. Scott was constantly in touch, updating me all the time and pushing the lender for confirmation regularly. Felt like he was really taking care of my interests. I'm very grateful to Scott and the team at Charcol.”

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Posted 2 years ago

“I have just done my second mortgage application with Scott Barron and as usual his service was first class. He has helped me outside of his normal working hours and his determination to get the best for me was faultless again. I will always use Scott for my mortgage needs. Toni was also excellent and communicated throughout professionally and made the process simple for me. Can’t recommend highly enough.”

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Posted 2 years ago

“Scott Barron and Chantelle Parker were extremely helpful and communicative throughout the process. They helped me find solutions to my slightly complex mortgage situation. I would refer family and friends to Scott and Chantelle.”

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Posted 2 years ago

“I would definitely recommend John Charcol, we have received an exceptional service from Daniel Dordan-Pike and Samantha. Very efficient and experts in their fields.”

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Posted 2 years ago

John Charcol is rated 4.9 based on 2,337 reviews