We are the first bridging company to offer finance solutions that are compliant with ethical lending principles. The banking and finance system in the UK works on the basis that if you have a mortgage and although the mortgage may be for a term of up to 50 years the Bank has the ability to change the terms of the bargain throughout the term of the mortgage. In the USA, mortgages have to have an upper limit on interest rates whereas in this Country that is not the case.

Even then these long stop interest rates are generally set at a high rate so the banks cover themselves against the possibility of interest rates going above the fixed rate. However, true ethical finance is based on risk versus reward situation between borrower and bank. There is nothing in ethical finance stopping the lender making a profit on loaning money but the rate of return cannot be punitive. Lenders have for too long exploited the fact that people see them when they need money quickly because they are effectively going to lose out on a property. At Fair Trade we see ourselves as a Partner and look forward to doing repeat business for many years to come with our clients and do not look at the short term.

Our rates are amongst the most competitive in the industry and we have one rate only which is low and fixed. However, as an ethical company Fairtrade does have a written Code of Practice to which we adhere and which sets out our ethos as a company and what standards of practise our consumers can expect.