Our Mutual Friend, published in 1864–1865, is the fourteenth and final novel completed by English author Charles Dickens and is one of his most sophisticated works, combining savage satire with social analysis. It centres on, in the words of critic J. Hillis Miller, quoting the book's character Bella Wilfer, "money, money, money, and what money can make of life".Joseph Hillis Miller, Victorian Subjects. Duke University Press, 1991, p. 69.

Most reviewers in the 1860s continued to praise Dickens's skill as a writer in general, but did not review this novel in detail. Some found the plot both too complex and not well laid out. The Times of London found the first few chapters did not draw the reader into the characters. In the 20th century, however, reviewers began to find much to approve in the later novels of Dickens, including Our Mutual Friend. In the late 20th and early 21st centuries, some reviewers suggested that Dickens was, in fact, experimenting with structure, and that the characters considered somewhat flat and not recognized by the contemporary reviewers were meant rather to be true representations of the Victorian working class and the key to understanding the structure of the society depicted by Dickens in the novel.

Characters Major characters John Harmon – is heir to the Harmon estate, under the condition that he marry Bella Wilfer. He is presumed dead throughout most of the novel, though he is living under the name John Rokesmith, and working as a secretary for the Boffins in an attempt to better get to know Bella, the Boffins, and people's general reaction to John Harmon's "death". Harmon also uses the alias Julius Handford upon first returning to London. Harmon's "death" and subsequent resurrection as Rokesmith/Handford is consistent with Dickens's recurring theme in the novel of rebirth from the water. His upward social mobility through his own efforts is presented as favourable, in contrast with Headstone, Hexam, and the Lammles. "Bella" Wilfer – is a beautiful young woman born into a poor family, who learns upon the death of Old Mr Harmon that she is the intended wife for his son, a condition of his inheritance. When her intended husband, John Harmon, is reported to have been killed, she is left without future prospects. She learns of the trouble money can bring when taken in by the newly rich Boffins. Bella rejects Rokesmith's proposal at first but later accepts it. Initially described as a "mercenary young woman", who describes herself upon meeting Lizzie Hexam as having "no more character than a canary bird", Bella undergoes a significant moral change in the novel. Although originally completely preoccupied with money, her complexity is eventually displayed in her ability to defy the societal pressures to achieve happiness unrelated to wealth. She is praised for her "vivacity and lifelikeness", with greater complexity than some of the other, more static characters. Her relationship with her father is more like that of a mother and son, as she consistently dotes upon him, calling him her "cherub". Her open and warm relationship with her father contrasts with her strained and resentful relationships with her mother and sister. Nicodemus "Noddy" Boffin, the Golden Dustman (the dust from the ashes of coal fires dominated in waste materials at this period, so “dust” became a term used for waste or rubbish generally) – becomes a member of the nouveaux riches when Old Mr Harmon's heir is considered dead. He is illiterate, but wants to fit the image of a wealthy man, and so hires Silas Wegg to read to him in hopes of gaining more intelligence and worldliness. He is nearly blackmailed by Wegg. He assumes the role of a miser to show Bella the dangers of wealth, but eventually admits this behaviour was an act and gives his money to Bella and John. Boffin's innocence, naïve curiosity, and desire to learn in his new position in life contrast with his "elaborate performances as Boffin the miser". Critics speculate that Dickens's decision to have Boffin playing a part may not have been planned, as it was not very convincing for a man who has shown his simplistic ignorance on several occasions. Boffin's inheritance of Old Harmon's money is appropriate because Harmon had attained it by combing the dust heaps, because this suggests social mobility. Boffin represents a wholesome contrast to such wealthy characters as the Veneerings and Podsnaps, and may have been based on Henry Dodd, a ploughboy who made his fortune removing London's rubbish. Mrs Henrietta Boffin – is Noddy Boffin's wife, and a very motherly woman, who convinces Mr Boffin to take in an orphan boy called Johnny. This indicates "another progressive development for Dickens as his female characters undertake a more active role in social reform". Elizabeth "Lizzie" Hexam – is a daughter of Gaffer Hexam and sister of Charley Hexam. She is an affectionate daughter, but knows that Charley must escape their living circumstances if he is to succeed in life, so she gives Charley her money and helps him leave while their father is away. Later she is rejected by Charley after she remains in poverty. Pursued romantically by both Bradley Headstone and Eugene Wrayburn, she fears Headstone's violent passion and yearns for Wrayburn's love, while acutely aware of the social gap between them. Lizzie saves Wrayburn after Headstone's attack. Wrayburn marries her as he is expected to die after the attack. She in effect acts as the moral centre of the story and is by far the "most wholly good character […] almost bereft of ego". Dickens carries over her moral superiority into her physical characterisation. Her "capacity for self-sacrifice […] is only slightly more credible than her gift for refined speech", making her slightly unbelievable in comparison to her uneducated father and Jenny Wren. Lizzie's concern about social class reveals her reasoning for ensuring her brother's escape from poverty and ignorance, though she remains humble about her own situation. However, her moral character attracts Wrayburn and her inherent goodness is rewarded with marital happiness. Charles "Charley" Hexam – is the son of Jesse "Gaffer" Hexam and brother of Lizzie. Originally a very caring brother, this changes as he rises above Lizzie in class and must remove himself from her to maintain his social standing. He was born into poverty, but receives schooling and becomes a teacher under Headstone's mentoring. Dickens uses him to critique both the schooling available to the poor, which was often over-crowded and noisy, as well as the snobbish tendencies of those who manage to rise in status. Hexam is presented as "morally corrupt", because of how he distances himself from his past, and from his loving sister, in the name of his own upward movement. Mortimer Lightwood – is a lawyer, who is an acquaintance of the Veneerings and a friend of Eugene Wrayburn. Lightwood acts as the "storyteller" and it is through him that the reader and the other characters learn about Harmon's will. However, under the "mask of irony" he assumes in telling his stories, he feels true friendship for Eugene, respect for Twemlow, and concern for the issues in which he is involved. In addition, he also serves as the "commentator and a voice of conscience" with sarcasm sometimes covering his concern. Through Lightwood's reason and advice, the reader is better able to judge the characters' actions. Eugene Wrayburn – who is seen as the novel's second hero, is a barrister, and a gentleman by birth, though he is roguish and insolent. He is a close friend of Mortimer Lightwood, and involved in a love triangle with Lizzie Hexam and Bradley Headstone. Both these characters act as foils to Wrayburn. Lizzie contrasts with Eugene's more negative traits and Headstone makes Eugene appear more virtuous. He is nearly killed by Headstone but, like Harmon/Rokesmith, "reborn" after his incident in the river. Though Wrayburn appears morally grey through most of the novel, by the end he is seen as a moral, sympathetic character and a true gentleman, after choosing to marry Lizzie in order to save her reputation, even though she is socially below him. "Jenny" Wren – whose real name is Fanny Cleaver, is "the dolls' dressmaker", with whom Lizzie lives after her father dies. She is disabled with a bad back and limited leg mobility. She treats her drunken father as her "bad child". Jenny later cares for Eugene while he recovers from Headstone's attack on his life. She may have a romance with Sloppy at the end of the book, which the reader may surmise will end in marriage. Although her mannerisms give her a certain "strangeness", Jenny is very perceptive, identifying Eugene Wrayburn's intentions towards Lizzie in his small actions. Her role is a creator and a caretaker, and her "pleasant fancies" of "flowers, bird song, numbers of blessed, white-clad children" reflect the mind's ability to rise above adverse circumstances. Mr Riah – is a Jew who manages Mr Fledgeby's money-lending business. He cares for and assists Lizzie Hexam and Jenny Wren when they have no one else. Some critics believe that Riah was meant by Dickens to act as an apology for his stereotyping of Fagin in Oliver Twist, and in particular a response to Mrs Eliza Davis. She had written to Dickens complaining that "the portrayal of Fagin did 'a great wrong' to all Jews." However, some still take issue with Riah, asserting that he is "too gentle to be a believable human being." Bradley Headstone – began life as a pauper but rose to become Charley Hexam's schoolmaster and the love interest of Miss Peecher. However, he ignores her and falls in love with Lizzie Hexam, whom he pursues passionately and violently, though his advances are rejected. He then develops an insane jealousy towards Eugene Wrayburn, whom he follows at night like an "ill-tamed wild animal" in hopes of catching him with Lizzie. He disguises himself as Rogue Riderhood and almost succeeds in beating and drowning Wrayburn. After Riderhood realises that Headstone is impersonating him to incriminate him for Wrayburn's murder, he attempts to blackmail Headstone. Headstone decides to kill himself and attacks Riderhood at the lock, intentionally drowning both in the river. Described repeatedly as "decent" and "constrained", Headstone's personality splits between "painfully respectable" and "wild jealousy", with a "passion terrible in its violence". He is presented by Dickens as an animal in the night and a respectable, "mechanical" schoolteacher during the day. A possible explanation for this dichotomy may be Headstone's "intellectual insecurity", that manifests itself in violence after Lizzie's rejection. The "most complex of Dickens's villain-murderers are presented as such double-figures". Dickens here demonstrates the way identity can be manipulated. Headstone also serves as a foil to Wrayburn, and his evil nature antagonizes Wrayburn, as much as Lizzie's goodness helps him. Silas Wegg – is a ballad-seller, and has a wooden leg. He is a "social parasite", hired to read for the Boffins and teach Mr Boffin how to read, despite not being entirely literate himself. Wegg finds Harmon's will in the dust heaps, and he and Venus attempt to use it to blackmail the Boffins. He wishes to buy back his own leg as soon as he has the money, which is an attempt to "complete himself". Wegg claims to want the leg so that he can be seen as respectable. Some critics find the juxtaposition of Wegg's villainy and his sense of humour to be inconsistent.