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Keep up to date with the latest news and our guides on all things mortgages. 

Make your mortgage review a priority in 2024

If getting on top of your finances is one of your New Year’s resolutions for 2024, don’t overlook your mortgage arrangements.

For most of us, our home loan represents one of the most significant financial commitments of our lifetimes, yet too few people review their mortgage regularly. If that’s you, don’t delay any longer – an overhaul of your mortgage could unlock significant savings, enable property improvements as your life changes, or give you an opportunity to move home.

If your current mortgage deal is looking to end in the next 12 months, you have options you can explore now:

Current rate ending in the next 6 months?

Secure a new deal ahead of your existing rate coming to an end and moving to a more expensive standard variable rate. Our brokers will diligently monitor the market for you to ensure you get the most competitive deal possible.             

On a variable or tracker rate?

Contact us so we can discuss if you ditch, switch and save - act quickly as the market remains is rapidly changing.

Thinking of moving house before your rate comes to an end?

You may be able to port your existing mortgage or obtain a new mortgage with another lender, we will explore the right options for your circumstances.

Struggling with debt?

You may be able to reduce your monthly outgoings by consolidating your debt with a new mortgage.

Still dreaming of those home improvements?  

You could consider increasing your mortgage and using the additional capital to fund your renovations.

Unsure of your options?

As a mortgage holder, it can be confusing and unclear what the changes mean to you, but if you’re unsure we’d encourage you to pick up the phone and get in touch with us to discuss your current situation so we can advise on the most suitable options.

If you’re struggling to pay

Avoid missing repayments without first speaking to your lender- they may be able to help. With the cost of living increasing, many homeowners are struggling to meet their mortgage repayments. Missing a mortgage payment is known as falling into 'arrears'. You want to try to avoid this as best you can, as it'll have a serious impact on your ability to get credit in future. So, speak to us, or your lender as soon as you can to discuss your options.

Speak to our team of experienced advisers who are available to provide personalised guidance tailored to your specific needs and circumstances

SPEAK TO AN ADVISER

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. You may be charged a fee for mortgage advice.

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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

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.


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