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Mortgage & Equity Release - Call Us 0117 403 4474

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What is your mortgage for?

 
Details sort by initial rateLenderInitial rate Rate type Overall cost for comparison Product fee Monthly cost Enquire
Initial rate: 4.28%
Rate type: 5 year fixed
Monthly cost: £978.15 per month
Product fee: £0
Overall cost for comparison: 6.3% APRC
Santander logo 4.28% 5 year fixed 6.3% APRC £0 £978.15 per month get quotes Broker Only Deal
Initial rate: 4.39%
Rate type: 5 year fixed
Monthly cost: £989.29 per month
Product fee: £995
Overall cost for comparison: 7% APRC
TSB logo 4.39% 5 year fixed 7% APRC £995 £989.29 per month get quotes
Initial rate: 4.39%
Rate type: 5 year fixed
Monthly cost: £989.29 per month
Product fee: £999
Overall cost for comparison: 6.7% APRC
Nationwide Building Society logo 4.39% 5 year fixed 6.7% APRC £999 £989.29 per month get quotes Broker Only Deal
Initial rate: 4.40%
Rate type: 5 year fixed
Monthly cost: £990.31 per month
Product fee: £699
Overall cost for comparison: 7% APRC
Barclays 4.40% 5 year fixed 7% APRC £699 £990.31 per month get quotes Broker Only Deal
Initial rate: 4.41%
Rate type: 5 year fixed
Monthly cost: £991.33 per month
Product fee: £899
Overall cost for comparison: 7% APRC
Barclays 4.41% 5 year fixed 7% APRC £899 £991.33 per month get quotes Broker Only Deal
Initial rate: 4.44%
Rate type: 5 year fixed
Monthly cost: £994.38 per month
Product fee: £999
Overall cost for comparison: 6.7% APRC
Nationwide Building Society logo 4.44% 5 year fixed 6.7% APRC £999 £994.38 per month get quotes Broker Only Deal
Initial rate: 4.45%
Rate type: 5 year fixed
Monthly cost: £995.4 per month
Product fee: £995
Overall cost for comparison: 6.8% APRC
NatWest logo 4.45% 5 year fixed 6.8% APRC £995 £995.4 per month get quotes
Initial rate: 4.45%
Rate type: 5 year fixed
Monthly cost: £995.4 per month
Product fee: £999
Overall cost for comparison: 7.1% APRC
Halifax 4.45% 5 year fixed 7.1% APRC £999 £250 cashback £995.4 per month get quotes
Initial rate: 4.45%
Rate type: 5 year fixed
Monthly cost: £995.4 per month
Product fee: £999
Overall cost for comparison: 7.1% APRC
Halifax 4.45% 5 year fixed 7.1% APRC £999 £250 cashback £995.4 per month get quotes Broker Only Deal
Initial rate: 4.47%
Rate type: 5 year fixed
Monthly cost: £997.44 per month
Product fee: £999
Overall cost for comparison: 6.3% APRC
Coventry Building Society logo 4.47% 5 year fixed 6.3% APRC £999 £997.44 per month get quotes Broker Only Deal
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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

Independent Mortgage Broker Service

Independent Mortgage Broker Service

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support".

As your mortgage is such an important transaction, good advice is imperative.

Mortgage Broker

Our independent mortgage broker service provides: 

  • FREE initial mortgage consultation

  • Access to exclusive mortgage deals not available on the high street

  • A dedicated mortgage adviser and case handler to deal with your mortgage from enquiry to completion

Mortgage Advice Button 1

What can an independent mortgage broker help with?

An independent mortgage broker can provide access to mortgage deals and offers that are only available via professional intermediaries.

If you are a first time buyer, or it’s been a long time since you’ve taken out a mortgage and you’re concerned that the market has changed significantly, you may feel more confident about navigating the mortgage process after seeking assistance from an independent mortgage broker.

If you have an unorthodox financial background – for example, if you have problems with your credit history, are self-employed, or are a freelancer or contractor – it’s likely that these changes could make getting a mortgage more of a challenge.

Consulting an independent mortgage adviser could help you to find the right mortgage deal for you.

What to look for when choosing an independent mortgage broker

It’s important to ensure that you only take mortgage advice from a qualified professional. Mortgage brokers are regulated by the FCA, and you can check their status online using the FCA register.

It is also a good idea to ensure that your chosen broker offers ‘whole of market’ advice – this means that they will aim to find the best mortgage deal for you from the entire range available on the mortgage market, rather than steering you towards a select pool of lenders.

Independent Mortgage Broker

Why choose us

1. Specialist and independent advice

We provide a personal and professional independent advice service which does not stop simply because your mortgage application has been completed. Understanding everything that you should consider in the advice process is critical and our mortgage and protection specialists bring years of knowledge and experience to help. All our advisers are fully qualified and regulated by the FCA.

2. Access to over 5,000 mortgages from over 72 lenders

As an independent mortgage adviser, we have access to over 5,000 mortgage deals from over 72 UK lenders, including exclusive mortgage deals. Our systems utilise the latest research software to help you get the best deal for your circumstances.

3. Access to additional services, carefully selected by us

Including valuations, conveyancing, general insurance and more, we can take the hassle out of making sure you get access to quality and affordable products and services - and since these have all been carefully selected by us, this means getting things done in a timely and efficient manner and since they are accountable, this inevitably means higher service standards.

4. Contacting you when and how you want

We all lead busy lives, so making sure you are contacting quickly and in a way that is easiest for you plays an important role. We offer a combination of telephone, email, post and texts, delivered according to your needs so that your mortgage is always the top priority, aiming to bring a smooth and successful outcome in all aspects of our mortgage service.

5. In safe hands, each step of the way

At Fair Mortgages we know how important each step of the mortgage process is. Knowing who to contact, what to ask and how can make all the difference in making sure we deliver a smooth and successful mortgage service - one you will want to come back to again and again.

This is why you will not only speak to the same adviser throughout the mortgage process, but you will also have a dedicated line of support selected from our experienced administrator and adviser support team.

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