What we stand for
Values
Show the assumptions. Publish the commissions. Say when refinancing isn't worth it. Never give personal financial advice, and never let a tool on our website pretend to.
Our approach
We start with a capacity number you can trust, which usually means a lower number than you were hoping for and a much lower one than some brokers will tell you. Then we recommend a lender and write down why. Every year after settlement we re-price the loan against the market, whether or not there's anything in it for us.
Privacy policy
Fairwater Finance collects only what it needs to do the work, keeps it for three years, and anonymises rather than deletes so the record of what happened survives the person leaving.
How to complain, and what happens next
A complaint reaches the owner the same day. You get an answer within two working days and a named person who owns it until it is closed.