How we can help with your mortgage

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Finding you the right mortgage

As an independent broker, Fairview Financial has access to products from the high street banks, building societies as well as broker-only exclusive products.

Experienced Mortgage Advisers

Mortgages come in many shapes and sizes, here are some examples:

• First-Time Buyer mortgages
• Help to Buy mortgages
• Shared Ownership mortgages
• Self-Employed mortgages
• Buy to Let mortgages
• Let to Buy mortgages
• Residential remortgages
• Adverse credit mortgages
• Debt consolidation remortgages
• Raising equity remortgages
• Homemover mortgages
• Lifetime mortgages

Fairview Financial has experience in all of these areas and will liaise with the mortgage provider, the estate agents, the solicitors and the surveyor to ensure the process is as smooth as possible. We will answer any queries you have regarding the mortgage by drawing on our experience & knowledge, both of which we are keen to share with our clients.

Are you ready to start your mortgage journey with us?

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.

Why choose us?

Whole of market broker

We will research thousands of deals and over 90 lenders to find you the right mortgage

Independent mortgage advice

Our advice is tailored to your circumstances and requirements, always serving your best interests

5 star reviews

We provide honest and unbiased advice and our clients' feedback is a true testimony of that

Local broker

Your dedicated broker will be your point of contact through the entire mortgage process

Mortgage options

There are two different ways you can repay your mortgage: repayment or interest-only:

Repayment mortgages

With a capital repayment mortgage, your monthly payments pay off the interest due each month plus a little of the loan you owe. With this type of mortgage, you have the benefit of seeing your outstanding mortgage balance start to reduce over time. Once the mortgage comes to an end, you’ll have paid off everything you owe in full and have nothing left to pay.

Interest-Only Mortgages

With an interest only mortgage, your monthly payments only pay the interest on the amount you’ve borrowed; you do not actually pay off the loan balance. An interest only mortgage is higher risk than a repayment mortgage and you will need to source an acceptable investment or savings plan to repay the mortgage. Interest only mortgages are very rare these days as lenders see them as far riskier.

Types of initial mortgages rates:

Fixed-rate mortgages

Your interest rate will stay the same for a set period of two, three or five years, sometimes longer. The benefit is that it helps you to budget more easily, because your interest rate will stay the same for the length of the deal.

Tracker mortgages

With this type of mortgage, the interest rate tracks a rate that is outside the control of the lender, such as the Bank of England bank rate (also known as the Base Rate) which can go up or down. You should make sure your budget will allow you to make higher monthly payments if interest rates were to go back up.

Standard variable rate (SVR) mortgages

Many mortgages will begin with an introductory offer rate of interest but once that term ends the lender will charge a rate of interest known as the lender’s Standard Variable Rate (SVR). This is an interest rate determined by your bank or building society As well as looking at the introductory offer of a mortgage it is a good idea to look at the lender’s SVR as it is likely you will pay this at some point unless you choose to remortgage.

Discounted rate mortgages

This is a discount off the lender’s standard variable rate (SVR) and only applies for a certain length of time, typically two or three years. Lenders can change their SVR regardless of the movements of the Bank of England's base rate. Rates on discount mortgages tend to be lower than with fixed or tracker mortgages, however in theory the lender could vary their rate at any time which needs to be taken into account when considering this option.

There are many things to consider when choosing a mortgage. That's why our advisers will take time to discuss your circumstances and needs and will thoroughly research the whole of market, from thousands of mortgage deals, to find you the right product.

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Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

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Our Fees

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.