Fair Mortgages

Fair Mortgages operates as a trading name of Fair Investment Company Limited, a firm established in the year 2000. The company is headquartered in Bristol, UK, and is authorised and regulated by the Financial Conduct Authority (FCA). Fair Mortgages Limited functions as an appointed representative of Fair Investment Company Limited, ensuring adherence to regulatory standards and providing a structured framework for its operations within the financial services sector. The firm's foundation is built upon the collective knowledge and experience of its mortgage and protection specialists, supported by an experienced team dedicated to client service.

The company provides an independent mortgage advisory service, offering clients access to the UK mortgage lender market. This "whole of market" approach allows Fair Mortgages to compare deals from over 70 UK lenders, encompassing more than 5,000 different mortgage products. Among these offerings are exclusive deals that may not be directly available to the public. The firm's objective is to identify and secure the most suitable property finance solutions tailored to the specific needs of its clients.

Fair Mortgages emphasises understanding the full range of factors involved in a mortgage decision, extending beyond just interest rates or fees, to ensure clients make informed choices that align with their long-term financial goals. Fair Mortgages delivers its professional mortgage advisory service primarily through a telephone-based model. For situations involving complex mortgage requirements, the company may offer face-to-face meetings at its office by appointment to establish identity and discuss specific needs in detail. Clients benefit from having two designated points of contact throughout the process: a mortgage adviser and a case handler, facilitating consistent communication and support from initial enquiry to completion.

The company aims for a fast turnaround in providing mortgage advice and recommendations within agreed timescales. Additionally, Fair Mortgages offers access to carefully selected additional services, including conveyancers with national coverage and a network of independent surveyors, all operating at competitive rates and market-leading timescales. The firm serves a diverse clientele, including individuals, businesses, charities, trusts, pension schemes, and various clubs and associations. Fair Mortgages specialises in gathering a comprehensive understanding of its customers' needs, adapting to the modern demands of financial service delivery, and developing a first-class service around these requirements.

The company handles a broad spectrum of mortgage types, such as remortgages, options for those moving home, first-time buyer schemes, Help To Buy, Buy To Let, Equity Release for over 55s, expat mortgages for UK property, bridging loans, homeowner/secured loans, and short-term finance. They also assist with new build development finance, mortgage insurance, large loans exceeding £1 million, HMO and multi-unit mortgages, conversions and developments, limited company mortgages, commercial mortgages, and complex income mortgages. Fair Mortgages maintains a commitment to transparency and client privacy. The company is registered under the Data Protection Act 1998, ensuring that personal information provided by clients is used to process enquiries and provide relevant information.

The website is specifically designed for UK residents who are over 18 years of age. The company's approach prioritises the client's journey, offering guidance and support to navigate the complexities of the mortgage market. This client-centric philosophy underpins their operations, aiming to provide a secure and reliable service for all mortgage requirements.