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0330 056 2877

10+ years of experience

Welcome To Fair Mortgage Advice Ltd

Welcome To Fair Mortgage Advice Ltd

We source and secure the most suitable finance on property across the UK

A whole-of-market mortgage broker offering expert, specialist advice for homeowners, landlords and investors. We source and secure the most suitable property finance solutions across the UK.

We work closely with our clients to identify and secure the right property finance options tailored to their needs. Offering a personal, hands-on service, we guide you through the process from start to completion—and beyond. You can relax knowing we’re here every step of the way.

Our Services

We provide an advised service for individuals and companies

Residential Mortgages

Residential
Mortgages

Complex Income Mortgages

Complex Income
Mortgages

Large Loans

Large Loans
(£1Million +)

Buy to Let & Portfolio Mortgages

Buy to Let &
Portfolio Mortgages

HMO & Multi-unit Mortgages

HMO &
Multi-unit Mortgages

Bridging Finance & Auction Purchases

Bridging Finance &
Auction Purchases

Conversions & Developments

Conversions &
Developments

Limited Company Mortgage

Limited Company
Mortgage

Commercial Mortgages

Commercial
Mortgages

Equity Release

Equity
Release

FAQ's

Frequently asked questions on specialist mortgages

Yes, absolutely there are lenders who can assist with purchasing a buy to let property as your first purchase but they will generally apply different requirements for first time buyers. For example, they may have a higher minimum income or assess how much they will lend on an affordability assessment rather than by using a rental stress test.We can advise on the most suitable lender and products for your circumstances.
If the tenant will be a relative of yours, you will require a specialist product that allows this. These are commonly referred to as regulated buy to let products and they are not offered by all lenders. The lenders criteria and how they will assess your application is different to standard tenancies and they may want to see that you could afford the mortgage on your own disposable income, without the rental you would receive.This is because many lenders think you are unlikely to evict a family member if they could not pay the rent and therefor need to ensure that you would still be able to pay the mortgage. There are a few lenders who would still assess lending based on rental.
Yes, while many lenders want you to have owned a property for at least 6 months before re-mortgaging there are several who don’t, and they aren’t necessarily more expensive options. This is the case for both residential and buy to let mortgages. Some lenders will use the original purchase price and cost of any works completed to improve the value, whereas other will use the full market value. Both can enable you to release equity, if you have increased the value since purchasing the property.
Although many lenders limit loans on a single property to less than £1 million or £1.5 million, there are lots of lenders who can consider mortgages for more. This included some high street lenders, specialist lenders and private banks. If you are a high net worth individual we can also arrange mortgages with many private banks.

We source and secure the best property finance solutions across the UK

Feel free to make a
call request now

0330 056 2877

Trusted by
Homeowners & Investors