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Mortgage & Equity Release - Call Us 0117 403 4474

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What is your mortgage for?

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4.83% 5 Year Fixed

  • 65% LTV
  • Overall cost for comparison 5.9% APRC
  • £500 Cashback

Representative Example: Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed for 60 months after which reverts to lender variable rate of 6.49%.

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4.89% 10 Year Fixed

  • 75% LTV
  • Overall cost for comparison 5.5% APRC
  • £1000 Cashback

Representative Example: Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed for 10 years after which reverts to lender variable rate of 6.24%.

Book appointment with us »

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparison Product fee Monthly cost Enquire
Initial rate: 3.75%
Rate type: 2 year fixed
Monthly cost: £925.44 per month
Product fee: £999
Overall cost for comparison: 7.3% APRC
Lloyds Bank 3.75% 2 year fixed 7.3% APRC £999 £250 cashback £925.44 per month get quotes
Initial rate: 3.83%
Rate type: 5 year fixed
Monthly cost: £933.29 per month
Product fee: £899
Overall cost for comparison: 5.5% APRC
Barclays 3.83% 5 year fixed 5.5% APRC £899 £933.29 per month get quotes Broker Only Deal
Initial rate: 3.88%
Rate type: 5 year fixed
Monthly cost: £938.22 per month
Product fee: £999
Overall cost for comparison: 6.4% APRC
Lloyds Bank 3.88% 5 year fixed 6.4% APRC £999 £250 cashback £938.22 per month get quotes
Initial rate: 3.88%
Rate type: 2 year fixed
Monthly cost: £938.22 per month
Product fee: £995
Overall cost for comparison: 7% APRC
NatWest logo 3.88% 2 year fixed 7% APRC £995 £938.22 per month get quotes
Initial rate: 3.88%
Rate type: 5 year fixed
Monthly cost: £938.22 per month
Product fee: £995
Overall cost for comparison: 6.1% APRC
NatWest logo 3.88% 5 year fixed 6.1% APRC £995 £938.22 per month get quotes
Initial rate: 3.90%
Rate type: 2 year fixed
Monthly cost: £940.2 per month
Product fee: £999
Overall cost for comparison: 7.4% APRC
Lloyds Bank 3.90% 2 year fixed 7.4% APRC £999 £250 cashback £940.2 per month get quotes
Initial rate: 3.90%
Rate type: 2 year fixed
Monthly cost: £940.2 per month
Product fee: £999
Overall cost for comparison: 7.4% APRC
Halifax 3.90% 2 year fixed 7.4% APRC £999 £250 cashback £940.2 per month get quotes
Initial rate: 3.90%
Rate type: 2 year fixed
Monthly cost: £940.2 per month
Product fee: £999
Overall cost for comparison: 7.3% APRC
Halifax 3.90% 2 year fixed 7.3% APRC £999 £250 cashback £940.2 per month get quotes Broker Only Deal
Initial rate: 3.91%
Rate type: 2 year fixed
Monthly cost: £941.18 per month
Product fee: £899
Overall cost for comparison: 6.2% APRC
Barclays 3.91% 2 year fixed 6.2% APRC £899 £941.18 per month get quotes Broker Only Deal
Initial rate: 3.91%
Rate type: 2 year fixed
Monthly cost: £941.18 per month
Product fee: £999
Overall cost for comparison: 6.4% APRC
HSBC logo 3.91% 2 year fixed 6.4% APRC £999 £500 cashback £941.18 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

Online Mortgage Broker

Online Mortgage Broker Service

Our Mortgage Service - helping you make the right decision

"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.

Online 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

Online Mortgage Broker

Obtaining a mortgage is a massive financial decision, which can take decades to fully pay off. However, using the services of a mortgage broker may be able to help you find the best product available for your needs, where you are a; First-time buyer, remortgager, mover or you are looking into obtaining an investment property like a buy to let.

Fair Mortgages offer an independent mortgage adviser service, offering professional advice and with access to over 5,000 different mortgages from over 72 lenders.  

To find out if Fair Mortgages could help you, you can fill in our online contact form to request a call back from a Fair Mortgages adviser who can offer a free initial consultation. Or call us directly on 0117 403 4474.

What can a mortgage broker help with?

An independent mortgage adviser, who offers a whole of market service, in addition to being able to offer impartial advice, can use their professional knowledge of the industry, to search across providers to try and find the best products available to their clients. Other advisers such as those offered in house by a lender are limited in what products they can recommend, as it could be that products better suited to the borrower are available elsewhere.

There are also certain specialist mortgages, not available from high street lenders which can only be accessed via an intermediary, which could present the best choice for some.

Those with more complicated financial backgrounds such as; freelancers or self-employed applicants, or those who have previously had issues with credit may find it more difficult to secure mortgage finance; however, using an independent adviser could help you find the right product for your specific requirements.

Fair Mortgages Calculator

Fair Mortgages also offers a free mortgage calculator on our site that could help you get an indication of what mortgages may be available to you.

You just need to fill in the relevant financial information to do with the mortgage such as; how much you wish to borrow, deposit size, repayment or interest-only, and the exact type of mortgage you are interested in , e.g. Buy to Let or First Time Buyer.

The tool will then be able to generate a selection of mortgages from different providers for you.

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