John Charcol - Independent Mortgage Expertise

Are you ready to take your business to the next level? Joining the John Charcol Network could be the answer you're looking for! Our Self-Employed Mortgage Advisors receive lead support, competitive commission splits, and NO network, FCA or PI fees, so you can focus on your clients and get the most from your business. Even if you're not ready to apply and simply want a chat, we really want to hear from you. Find out more https://lnkd.in/gQDDgP4e Please send your CV to: recruitment@johncharcol.co.uk #johncharcol #mortgageadvise #mortgagebroker #recruit #joinourteam #bepartoftheteam

📢 Expert Insights from Nicholas Mendes in ‘INews’ 📢 Nicholas Mendes addresses a question about you can do if you’re stuck on a high rate after your mortgage was transferred. Question: I had a mortgage fixed for five years with a lender that specialises in offering loans to people with adverse credit, but it transferred the loan with no notice, to a company that does not lend mortgages. I am now stuck on an 8.7 per cent variable rate. Is this allowed? I now seem to be stuck with a lender that doesn’t offer new mortgages and I can only hope interest rates go down or try and find another lender? Click the link below to read Nicks full response in the feature article 👇 https://lnkd.in/edYziTDA #johncharcol #mortgagebroker #mortgagebrokers #mortgagebrokerage #remortgage #remortgaging #fixedrates #fixedrate #producttransfer #pt #switchlenders #advice #mortgageholders #lenders #mortgage #mortgagelending #mortgagebrokeruk #mortgages #mortgageadvice #mortgageadvisor #mortgagelending #mortgagebrokeruk #firsthomebuyers #firsttimebuyer #firsthome

📰 Nick in the News 📰 Nicholas Mendes has further commented on First Direct cuts mortgage rate as it joins other lenders in 2025 reductions in ‘I News’. He states, “First Direct’s decision to reduce mortgage rates by up to 0.3 percentage points across its repayment mortgage range is a welcome move for borrowers… It reflects the competitive nature of the market and offers potential savings for first-time buyers, home movers, and those looking to remortgage. It’s been a positive start to the new year, with competition slowly increasing among mainstream lenders. The rate cuts, such as those from First Direct, highlights that lenders are keen to attract borrowers, but the scope for reductions remains limited. While we’re likely to see further rate cuts over the coming weeks, these are expected to be modest, with only minimal changes to the best deals currently available”. Swipe to read his comprehensive analysis and click the link below to read the full article 👇 https://lnkd.in/eU5jZsz9 #johncharcol #mortgagebroker #mortgagebrokers #mortgagebrokerage #remortgage #remortgaging #fixedrates #fixedrate #producttransfer #pt #switchlenders #advice #mortgageholders #lenders #mortgage #mortgagelending #mortgagebrokeruk #mortgages #mortgageadvice #mortgageadvisor #mortgagelending #mortgagebrokeruk #firsthomebuyers #firsttimebuyer #firsthome

🌟Nick in the News🌟 Nicholas Mendes has been featured in The Intermediary, where he has provided some insights into the first direct cuts mortgage rates by up to 0.30%. He continued, “The substantial reductions in higher-LTV mortgages, such as the 5-Year Fixed Standard at 90% LTV, now priced at 4.74%, will be particularly beneficial for first-time buyers with smaller deposits. However, it is important to note that First Direct operates solely as a direct lender, meaning its products are not accessible through mortgage brokers”. Swipe to read his comprehensive analysis and click the link below to read the full article 👇 https://lnkd.in/eTYU3N7K #johncharcol #mortgagebroker #mortgagebrokers #mortgagebrokerage #remortgage #remortgaging #fixedrates #fixedrate #producttransfer #pt #switchlenders #advice #mortgageholders #lenders #mortgage #mortgagelending #mortgagebrokeruk #mortgages #mortgageadvice #mortgageadvisor #mortgagelending #mortgagebrokeruk #firsthomebuyers #firsttimebuyer #firsthome

🏠 Your Daily Dose of Mortgage Best Buys! 🏠 Looking for the most competitive mortgage deals? We've handpicked the top offers for 2-year & 5-year fixed mortgages, as well as remortgage rates, to help you make an informed decision. 🔒 Some of our best rates are listed below—but we’re keeping the rest under wraps! 💻 Click the link below to see the full table of updated rates and find the deal that’s right for you. 👉https://lnkd.in/ewfH-ugF

🌟Client Spotlight: What Our Customers Are Saying!🌟 At John Charcol, we pride ourselves on delivering exceptional service and support to our clients. Swipe through to read some of the amazing reviews from those who have trusted us with their mortgage journey. Thank you for choosing John Charcol and taking the time to share your kind testimonials. 😊 💬 A special shoutout to Mark Judge, Reiss Brians, Mohammed Balal, Randeep Sodhi and Keri Nicholson for going above and beyond! #ClientReviews #JohnCharcol #MortgageBroker #CustomerSatisfaction

📰 JC in the news 📰 Nicholas Mendes has featured in the Mortgage Introducer to comment on how he believes HSBC’s decision to start the year with a reduction in mortgage rates across its product range is a welcome move for the housing market. He continues, "These reductions, covering fixed terms from two to 10 years and LTVs of up to 95%, reflect HSBC’s efforts to remain competitive and capturing a diverse range of customers. Buy-to-let investors and international clients are also included, widening the appeal". Click the link below to read the full article👇 https://lnkd.in/eA-5Ev_a #johncharcol #mortgagebroker #mortgagebrokers #mortgagebrokerage #remortgage #remortgaging #fixedrates #fixedrate #producttransfer #pt #switchlenders #advice #mortgageholders #lenders #mortgage #mortgagelending #mortgagebrokeruk #mortgages #mortgageadvice #mortgageadvisor #mortgagelending #mortgagebrokeruk #firsthomebuyers #firsttimebuyer #firsthome

At John Charcol, we’re delighted to see the fantastic outcomes achieved through teamwork and expertise. A big well done to Indrit Bajraktari and The Mortgage Lender (TML) for all their hard work in navigating the challenges of this case and helping the couple take the next step on their property journey. This is a great example of how, with the right support, even the most complex situations can have successful outcomes. Here’s to many more success stories! Thank you The Intermediary for sharing. #MortgageSuccess #PropertyJourney #Teamwork #MortgageBroker #ComplexCases #HomeOwnership #SuccessStories #JohnCharcol #TheMortgageLender"

📈 Curious about the impact of the upcoming SDLT increase? 🏡 Ray Boulger shares his insights on how this change, effective from April 1st, could affect the housing market. Dive into his latest blog to understand what it means for homebuyers and the industry! Click the link below to read the full article and Ray’s comments 👇 https://lnkd.in/eq5vBqhX

🏠 Your Daily Dose of Mortgage Best Buys! 🏠 Looking for the most competitive mortgage deals? We've handpicked the top offers for 2-year & 5-year fixed mortgages, as well as remortgage rates, to help you make an informed decision. 🔒 Some of our best rates are listed below—but we’re keeping the rest under wraps! 💻 Click the link below to see the full table of updated rates and find the deal that’s right for you. 👉https://lnkd.in/ewfH-ugF