Business Details
Trusted Mortgage Brokers in Bristol | Fair Mortgages
Fair Mortgages is a dedicated mortgage advisory service operating across the UK, specialising in connecting clients with tailored financial solutions. With access to over 70 UK lenders, we provide expert guidance on residential mortgages, buy-to-let financing, equity release schemes, and bridging loans. Our team prioritises understanding individual client needs, whether first-time buyers, property investors, or those seeking to remortgage. We focus on securing competitive rates, including exclusive deals unavailable on the high street, while offering support for clients with complex financial histories. Our services extend to development finance and homeowner loans, with a commitment to fast turnaround times and transparent communication.As an appointed representative of Fair Investment Company Ltd, authorised and regulated by the Financial Conduct Authority, we uphold rigorous professional standards. Our expertise spans fixed-rate, tracker, and offset mortgages, alongside innovative solutions for over-60s lending and inheritance tax mitigation. We empower clients to make informed decisions through comprehensive comparisons and personalised advice, ensuring alignment with long-term financial goals. Our reputation is built on reliability, market knowledge, and a client-centric approach to mortgage brokerage.
Services
Mortgage Brokerage
Equity Release
Bridging Loans
Remortgage Advice
Buy-to-Let Mortgages
Development Finance
Homeowner Loans
Lifetime Mortgages
Commercial Mortgages
First Time Buyer Support
Highlights and features
- We work with over 70 UK lenders to find exclusive mortgage deals
- Our team specialises in complex cases including credit challenges
- Fast-track service available for urgent property transactions
- We offer lifetime mortgage solutions for clients aged 55+
- Access to development finance and bridging loan specialists
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Brokerage
We provide comprehensive mortgage brokerage services across the UK, specialising in residential and investment property financing. Our experts compare deals from 70+ lenders to find optimal fixed-rate, tracker, and offset mortgages. Clients benefit from exclusive rates unavailable on the high street, with tailored support for first-time buyers, remortgagers, and buy-to-let investors.
Equity Release
Our equity release specialists help clients aged 55+ access tax-free cash from property equity. We offer lifetime mortgages with flexible drawdown options and competitive interest rates. Services include inheritance tax planning and enhanced payment schemes for clients with medical conditions, ensuring homeowners retain full property ownership.
Bridging Loans
We arrange regulated and unregulated bridging loans from 50,000 to 15 million, with terms from 1-36 months. Solutions cater to property chain breaks, auction purchases, and development projects. Clients benefit from fast funding (5-7 days), interest roll-up options, and competitive rates starting at 0.44% monthly.
Buy-to-Let Mortgages
Our buy-to-let specialists provide tailored financing for property investors, including portfolio landlords and limited company borrowers. We access exclusive deals with loan-to-values up to 75%, with options for HMOs, new build properties, and expat investors. Services include portfolio optimisation and tax-efficient structuring.
Development Finance
We arrange short-term development finance for residential and commercial projects, including new builds, refurbishments, and conversions. Funding covers 100% of project costs with staged releases at key milestones. Clients benefit from competitive rates starting at 0.44% monthly and flexible exit strategies.
Questions
What mortgage options are available for first-time buyers?
We offer competitive fixed-rate mortgages with low deposits (minimum 5%) and government-backed schemes like Help to Buy. Our advisers help first-time buyers navigate affordability criteria and secure best-value deals.
Can I remortgage with bad credit?
Yes, we work with specialist lenders who consider applications with past credit issues. We assess your circumstances to find remortgage deals that match your repayment capacity.
How does equity release affect inheritance?
Equity release reduces your property's equity, potentially affecting inheritance. We explain no-negative-equity guarantees and help structure plans to preserve estate value where possible.
What are the costs for a bridging loan?
Costs include a 2% arrangement fee, monthly interest from 0.44%, and valuation/legal fees. We provide transparent breakdowns and compare lenders to find cost-effective solutions.
Can I get a mortgage as a self-employed contractor?
Yes, we access lenders specialising in contractor mortgages, assessing income based on day rates or annual accounts. We help clients with complex income structures secure competitive rates.
How quickly can you arrange development finance?
We typically complete development finance arrangements within 5-7 days, with initial funds released promptly after valuation and project assessment by our specialist team.
