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FAIRFIRST MORTGAGES LIMITED Registered office address: 71-75 Shelton Street, Covent Garden, London, Greater London, WC2H 9JQ.

FAIRFIRST MORTGAGES LIMITED is an appointed representative of OSL Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority under FRN 948512.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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

At FairFirst Mortgages, our fee structure is designed to reflect the level of service and expertise we provide, while remaining transparent and fair to our clients. For a single client applying for a mortgage, our standard application fee is £495. For joint applications, the standard fee is £695. These application fees are non-refundable and cover the initial consultation, mortgage advice, research, and submission of your mortgage application.

In cases where the mortgage is more complex such as those involving specialist lending, adverse credit, self-employment, multiple income sources, or unique property types we may charge an additional fee. This fee is based on the level of complexity and the time and workload involved, ranging from 1% up to a maximum of 2% of the property value. This additional charge will always be fully discussed and agreed with you in advance, before we proceed.

For all fee arrangements, 50% of the total agreed fee is payable at the point of recommendation, once we present you with a tailored mortgage solution. The remaining 50% is payable upon receipt of your formal mortgage offer from the lender

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WHERE WE ARE

71-75 Shelton Street, Covent Garden, London, Greater London, WC2H 9JQ