Unemployment, Accident & Sickness Insurance - British Insurance

British Insurance has partnered with John Charcol

Customer reviews

Towergate Financial are also part of the Towergate Partnership.

British Insurance

John Charcol provides you with:
  • Specialist knowledge of the mortgage market. 
  • Award winning service.
  • The most appropriate mortgage to suit your individual needs. 
  • Expert advice over the phone.
0844 346 3723

 

With John Charcol, you get to talk with mortgage experts who know the whole market.

 

Your initial mortgage consultation is obligation free.

About John Charcol
British Insurance is delighted to introduce John Charcol who offers independent mortgage advice.
John Charcol is also part of the Towergate Partnership, and they have been advising their clients on residential and commercial property since 1974. They are widely regarded as the UK’s leading independent mortgage adviser and their knowledge of the market is second to none.
Their passion is to arrange the most appropriate mortgage for each and every one of their clients, be they a first time buyer, a remortgager, a landlord or a commercial property developer.
Getting a mortgage can seem like a daunting prospect, but John Charcol’s independent mortgage advisers are trained to very high standards and pride themselves on the satisfaction they receive from their clients. To ensure complete peace of mind, British Insurance offers a range of mortgage protection products to cover you should you find yourself in unexpected financial difficulty.
Award winning service
John Charcol has won many awards throughout the years and they are a trusted source of mortgage information for the UK's media.
Their clients are busy people who do not have hours of time to give up to find the best mortgage for them. Not only that, but they do not have the time, or the inclination, to spend hours on the phone to estate agents, solicitors, valuers and all the other parties involved.
That’s why John Charcol is there to ensure the application process runs as smoothly as possible.
 
 Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.
Finding the perfect solution
At John Charcol, they take great pride in finding the appropriate solution for every client, which can often involve a great deal of work and commitment. They like complex as much as standard residential mortgages, and every day they deal with the following types of mortgage clients:

• First time buyers

• Home movers

• Remortgagers

• Buy to let landlords

• Developers

• Portfolio investors

Experienced in their field
36 years of experience in mortgages has allowed John Charcol to build up a huge knowledge of the market. 

Technical specialists have researched the mortgage market to provide some of the most innovative mortgage products the market has ever seen.

A mortgage for life
Of course everyone likes a bit of instant gratification, but at John Charcol they offer much more.

When you arrange a mortgage through John Charcol it is not just about that mortgage. They like to think that you have entered a relationship that will last you a lifetime. They commit to finding you the best mortgage for you every time it comes to change your mortgage.

 
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.
Client Experience
At the heart of John Charcol's values is providing a client experience that they believe borrowers simply do not get anywhere else.
The relationships they have built with mortgage lenders, some of which you will not find on the high street, mean that they make sure every single client has precisely the best mortgage for them.

When clients sit down with John Charcol they will:

• Understand all the options available

• Have no need to worry about organising it all, they do that

• Always be up to date on what's happening with an application

• Get the most suitable mortgage from the whole market

Tailored service
John Charcol believes in individual advice for every client; after all, everyone is different. They offer:

• Expertise - unlike comparison sites, they only do mortgages, so they are the mortgage experts.

• Independent advice - unlike mortgage lenders, they will find the best mortgage option in the market.

• Great service - moving home is stressful enough, so their job is to deal with the mortgage hassle for you.

Impartial Advice
Mortgage lenders are in it for the profit; don’t let anyone else tell you differently.

And, who can blame them? They are businesses that, in the vast majority of cases, are responsible to shareholders who demand profit.

There is nothing a lender will like more than drawing you in on an attractive looking rate and then leave you languishing on a Standard Variable Rate (SVR) when that attractive deal turns a little ugly.

Most will never tell you that your preferential rate has gone and even if you do tell them your needs, they have a history of not exactly offering the best remortgage deals to you as an existing customer.

At John Charcol, they tell you when it’s time to remortgage and make sure you stay competitive.  That's what independent mortgage and remortgage advice is all about.

Satisfied customers
Their ethos has enabled John Charcol to achieve enviable client satisfaction figures, with 97% of their clients satisfied and 93% either very or extremely satisfied. Yet, they do not rest on their laurels, and strive to consistently offer the best mortgage service they can, improving even on the impressive satisfaction rate that they have.

This data is calculated from responses to John Charcol's customer satisfaction survey.

 
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.
Fees
Your initial mortgage consultation is obligation free.

There will be a minimum fee for our mortgage service of £450, of which £150 is payable when you apply, and we will retain the commission from the mortgage lender.

Alternatively, you can choose the fee only option which is typically 0.65% of the amount borrowed.

The precise amount will depend on your circumstances and mortgage loan amount, and will be discussed and agreed before you make a mortgage application.

 
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.
 
John Charcol is a trading style of Towergate Financial (West) Ltd which is authorised and regulated by the Financial Services Authority. Registered in England No: 02292688.
Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN.

Contact us

0844 346 3723

Monday - Thursday
8.30am - 7pm
Friday
8.30am - 6pm
Saturday
10am - 3pm

Send us a query

 

 

What do we offer?

John Charcol Mortgages

John Charcol has been advising its clients on residential and commercial property since 1974.

They are widely regarded as the UK’s leading independent mortgage adviser and their knowledge of the market is second to none.

They will arrange the most appropriate mortgage for each and every one of their clients, be they a first time buyer, a remortgager, a landlord or a commercial property developer.