Lack of contact, we contacted fair mortgages based on customer reviews and can honestly say hand on heart my experience couldn't be any further from the positive feedback. We called initially and was promised a call back 4 days later from an advisor, we were contacted the day before by someone asking if it could be deferred a day which I had no issue with. They were 3 hours late calling for the arranged appointment and asked us to rush over all required details over so she could get the details sent over and matched that day and would call back at 16:00 the following day, we rushed over all details and then called the office the following afternoon at 1700 for an update to be told the lady was out of the office and they would email her. 2 days after this we received an email from Lyndsey saying she would call me Tuesday when she returned from annual leave that was 6 days ago and still no response. Needless to say we have now missed out on an opportunity of a great property in a area we wanted. We were offering a 35% deposit as well so if that can't entice someone to do there job then what luck does someone who wants a 95% motgage have. I wouldn't advise anyone to waste there time on these cowboys.