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Mortgage & Equity Release - Call Us 0117 205 1481

What is your mortgage for?

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2.44% Lifetime Tracker 

  • Maximum LTV 80%
  • Overall cost for comparison 2.5% APRC

Representative Example:Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

1.22% 2 Year Fixed 

  • 60% LTV
  • Overall cost for comparison 3.30%
  • Interest only option

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 2 years after which reverts to NatWest variable rate of 3.59%.

Call RBS on 0800 068 7706

1.37% 5 Year Fixed 

  • 60% LTV
  • Overall cost for comparison 2.80%
  • Interest only option

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 5 years after which reverts to NatWest variable rate of 3.59%.

Call NatWest FREE on 0800 068 8567

3.60% 2 Year Fixed 

  • 90% Loan To Value
  • Overall cost for comparison 3.60%

Representative Example:Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed for 2 years after which reverts to the variable rate of 3.59%.

Call us on 0800 068 8567

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.22%
Rate type: Fixed Jun-2023
Monthly cost: £584.22 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.22% Fixed Jun-2023 3.3% APRC 60% £1025.00 £250 cashback £584.22 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.26%
Rate type: Fixed Jun-2023
Monthly cost: £587.01 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.26% Fixed Jun-2023 3.3% APRC 60% £1025.00 £250 cashback £587.01 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.35%
Rate type: Fixed May-2026
Monthly cost: £595.26 per month
Max LTV: 65%
Product fee: £1800.00
Overall cost for comparison: 3.1% APRC
Virgin Money logo 1.35% Fixed May-2026 3.1% APRC 65% £1800.00 £300 cashback £595.26 per month get quotes Call direct0330 057 1528 More details
Initial rate: 1.37%
Rate type: Fixed Jun-2026
Monthly cost: £594.70 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 2.8% APRC
NatWest logo 1.37% Fixed Jun-2026 2.8% APRC 60% £1025.00 £250 cashback £594.70 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.39%
Rate type: Fixed May-2026
Monthly cost: £596.11 per month
Max LTV: 65%
Product fee: £1300.00
Overall cost for comparison: 3.1% APRC
Virgin Money logo 1.39% Fixed May-2026 3.1% APRC 65% £1300.00 £300 cashback £596.11 per month get quotes Call direct0330 057 1528 More details
Initial rate: 1.41%
Rate type: Fixed Jun-2026
Monthly cost: £597.52 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 2.8% APRC
NatWest logo 1.41% Fixed Jun-2026 2.8% APRC 60% £1025.00 £250 cashback £597.52 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.83%
Rate type: Fixed Jun-2023
Monthly cost: £623.44 per month
Max LTV: 60%
Product fee: £30.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.83% Fixed Jun-2023 3.3% APRC 60% £30.00 £623.44 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.98%
Rate type: Fixed Jun-2026
Monthly cost: £634.32 per month
Max LTV: 60%
Product fee: £30.00
Overall cost for comparison: 3% APRC
NatWest logo 1.98% Fixed Jun-2026 3% APRC 60% £30.00 £634.32 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.99%
Rate type: Fixed May-2023
Monthly cost: £639.26 per month
Max LTV: 65%
Product fee: £1300.00
Overall cost for comparison: 3.9% APRC
Virgin Money logo 1.99% Fixed May-2023 3.9% APRC 65% £1300.00 £300 cashback £639.26 per month get quotes Call direct0330 057 1528 More details
Initial rate: 1.99%
Rate type: Fixed May-2026
Monthly cost: £635.05 per month
Max LTV: 65%
Product fee: £305.00
Overall cost for comparison: 3.3% APRC
Virgin Money logo 1.99% Fixed May-2026 3.3% APRC 65% £305.00 £635.05 per month get quotes Call direct0330 057 1528 More details
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Bad Credit Mortgage Broker

The majority of traditional lenders will not provide mortgages to applicants with bad credit.Mortgage Advice Button 1

Credit can be negatively affected by a number of factors including:

  • A County Court Judgement                                              
  • Any bankruptcy proceedings                                            
  • A late payment of a utility bill               
  • Entering into an Individual Voluntary Arrangement (IVA) with your creditors

You can obtain a credit rating report from any credit rating agency such as Experian.

If you have bad credit but require a mortgage, it is advisable to contact a mortgage broker to explore your financial options and arrange the financial solution that caters for your needs.

We are a specialist mortgage broker dealing with poor credit - Contact us »

Bad-Credit-Mortgage

Why Choose Fair Mortgages for a Mortgage

As a mortgage broker, we specialise in arranging mortgages for individuals with bad credit and are looking to complete a property transaction.

We have the expertise and knowledge of the financial services market to identify the most suitable funding for our clients.

We regularly work with private banks, specialist lenders, family offices and wealth managers who are willing to provide mortgages to applicants with bad credit.  

Our Bad Credit Mortgage Broker Service

Our independent mortgage broker service offers:

  • Access to the whole market – we can compare most UK lenders who will deal with bad credit ratings.
  • Credit repair mortgages – we can source mortgages that will provide the money you need and help you rebuild your credit rating.
  • Finance within a short period of time – contact us today and we can secure the funding you need swiftly.
  • Financial solutions for raising additional funding on top of an existing mortgage – If you have an existing mortgage that does not cater for your needs, we can help.

How to get a Mortgage with Bad Credit

We are a specialist mortgage broker dealing with poor credit - Contact us »

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