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.