Fair Mortgages Limited is an appointed representative of Fair Investment Company Ltd which is authorised and regulated by the Financial Conduct Authority.
Fair Mortgages: the right choice
"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. With the recent changes (long overdue) to the mortgage industry, the message from the Regulator and lenders to the UK public is to get professional advice.
We know that all that is involved can be daunting, but no matter how complicated the mortgage process might first appear, we will explain it all to you in plain terms, and provide you with all of the support that you need.
Your mortgage is probably the largest financial transaction that you will ever undertake, and you should feel 100% comfortable with your decision at every stage of the process. Getting professional, affordable and reliable help to make the right choice can help to ensure this, so don’t try to navigate the mortgage jungle on your own!
We know there is a vast amount of choice available to you, and that the search for the right mortgage can be very confusing. Our goal is to help you to make the right decision, as getting stuck with a mortgage that is not a good fit for you can have serious financial repercussions that you be tied to for a number of years.
The one change that has had the greatest impact is the need to ensure that when selecting your mortgage lender, your circumstances meet their criteria and that you provide all of the necessary information about your circumstances right at the start; otherwise, your application might be delayed, or even rejected out of hand. This means that getting good advice from the outset is more important than ever before, not just to make sure that you make it through the first stage, but every stage thereafter to ensure you have a smooth path to completion.
5 reasons to use Fair Mortgages
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.
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.
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.
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.
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.
By the time you are reading this, you have no doubt already started looking around with a view to making your final decision, by Googling mortgage information and asking people you trust about their own experiences. Now is the time to get in touch with us, to have a quick chat about your circumstances and what is important to you.
We offer a free no strings attached, no pressure initial consultation, and will take some basic details from you before arranging a time for one of our advisors to get in touch. This can be the same day, during the evening, or at the weekend; whatever works best for you. We are confident that once you become familiar with our approach to working with you, and the knowledge and experience that our specialist mortgage and protection advisors can offer, you will be happy to retain Fair Mortgages to add value to your mortgage application process and beyond.
The experience of our advisers in combination with them having access to the whole mortgage market means we can cut through the fine print and explain the pros and cons of each product out there. This makes life easier for you, and allows us to tailor our recommendation to the best mortgage for your circumstances.
Once we have found and agreed on the right mortgage for you, we will manage the application on your behalf, liaising with the lender to ensure that it is processed as quickly as possible. We will use our knowledge and experience in this area to ensure that the whole process happens in line with your expectations. We will of course keep you informed at every stage of the procedure, by phone, text and email-whatever works best for you. We will also provide you with access to our Life and Income protection service.
Once your mortgage has completed successfully, we will stay in touch with you to ensure that you are happy with the service that we provided to you. We will also agree a future time to contact you, to provide you with options going forwards when your existing mortgage deal comes to an end, in order to help you to keep your mortgage costs down and pay off your debt as soon as possible.
