Blogs

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

Make an enquiry

Archive by category: HomeownersReturn

November 2025

Protection: How Needs Evolve Over a Lifetime

Protection, Homeowners |

Understanding how your insurance needs change over time is key to maintaining financial security for yourself and your loved ones. Life Insurance, Critical Illness Cover, and Income Protection are not “set and forget” products; they need to evolve as your life circumstances change. Here’s a stage-by-stage guide to how coverage requirements typically shift throughout a lifetime.

A Better Way Forward for Equity Release

Equity Release, Homeowners |

Equity release has helped thousands of UK homeowners unlock the value in their property, but it hasn’t always had a spotless reputation. Older cases – often taken out decades ago – tell cautionary tales of high interest rates, poor advice, and families shocked by how quickly the debt grew. These so-called “equity release horror stories” still appear in the media today, reminding homeowners of the importance of understanding what they’re signing up for.

A Broker’s Guide to Busting Mortgage Barriers for Homeowners

Remortgages, Mortgage tips, Homeowners |

Refinancing a mortgage isn’t always as simple as finding a lower rate. Changing incomes, property values, and tighter lending rules can all create barriers that make remortgaging more complex than expected. With many fixed-rate and introductory loans coming to an end in 2026, now is the perfect time to review your options and get organised! Many homeowners face common barriers when considering remortgaging:

October 2025

When Might an Insurer Not Pay a Claim?

Home Insurance, Protection, Homeowners |

We often get asked, when might an insurer not pay a claim? I understand how frustrating it can be when a claim is denied. While insurance is designed to provide financial protection, there are specific circumstances under which a claim may not be paid out. So, we’ve put together a fact sheet to help you learn what you need to know:

Have You Heard of the Term ‘Mortgage Prisoners’?

Equity Release, Mortgage tips, Homeowners |

If you’re a homeowner in the UK, you might have heard the term “mortgage prisoner” being thrown around. But what does it mean, and how could it affect you? A mortgage prisoner is someone who is up to date with their mortgage payments but is unable to switch to a more affordable deal. This situation often arises due to stricter lending criteria introduced after the 2008 financial crisis. Many of these homeowners are stuck with high-interest rates, sometimes paying significantly more than curre...

Life Cover Isn’t a Nice Option to Have - It's Essential

Protection, Homeowners |

Life is unpredictable, and the thought of what would happen to your loved ones if you were no longer around can be a source of real anxiety. Recent research highlights just how widespread these worries are across the UK..The study found that a significant number of adults often think about the financial impact their death would have on their family, with some constantly worrying about it. These findings underline a clear truth: many people feel unprepared for the financial challenges their famil...

September 2025

How Homeowners Over 55 Can Fund Their Garden Retreats

Equity Release, Mortgage tips, Homeowners |

Over the past few years, many homeowners have discovered the value of creating dedicated spaces in their gardens. Whether it’s a quiet home office, an art studio, a gym, or simply a place to unwind. These garden rooms have become more than just an extra building; they’re a way to enhance daily life without the upheaval of moving.

Buildings & Contents Insurance Has Your Back

Home Insurance, Saving Money, Homeowners |

When disaster strikes, from a burst pipe, a kitchen fire, or a break-in, you need buildings and contents insurance you can trust to step in. Equally, with September starting the back-to-school season, don’t forget that contents insurance can cover valuable objects, even away from home.

What’s Next for UK Mortgages? A Look at Today’s Market and Tomorrow’s Opportunities

Home Movers, First Time Buyers, Remortgages, Mortgage tips, Homeowners |

If you're a homeowner or looking to get onto the property ladder or you are looking to remortgage, you’ve likely been keeping an eye on the headlines. And with good reason! Over the past year, the UK mortgage market has faced changing interest rates, shifting affordability criteria, and increased scrutiny from lenders. But what does all this mean for you, right now? Once you’ve read through our article, get in touch if you need more help from an advisor you can trust.

August 2025

Key Trends Shaping Mortgages, Protection & Later-Life Lending in 2025

Home Movers, First Time Buyers, Remortgages, Equity Release, Mortgage tips, Buy to Let, Homeowners |

It’s been a busy year in the finance world! Have you been reading along? We’d thought we’d break down a few changes. Here’s an overview of the current trends in mortgages, protection, insurance, and later-life lending so far:

Latest Blog

Protection: How Needs Evolve Over a Lifetime

Understanding how your insurance needs change over time is key to maintaining financial security for...

A Better Way Forward for Equity Release

Equity release has helped thousands of UK homeowners unlock the value in their property, but it hasn...

A Broker’s Guide to Busting Mortgage Barriers for Homeowners

Refinancing a mortgage isn’t always as simple as finding a lower rate. Changing incomes, property v...

When Might an Insurer Not Pay a Claim?

We often get asked, when might an insurer not pay a claim? I understand how frustrating it can be wh...

Have You Heard of the Term ‘Mortgage Prisoners’?

If you’re a homeowner in the UK, you might have heard the term “mortgage prisoner” being thrown a...

Life Cover Isn’t a Nice Option to Have - It's Essential

Life is unpredictable, and the thought of what would happen to your loved ones if you were no longer...

How Homeowners Over 55 Can Fund Their Garden Retreats

Over the past few years, many homeowners have discovered the value of creating dedicated spaces in t...

Buildings & Contents Insurance Has Your Back

When disaster strikes, from a burst pipe, a kitchen fire, or a break-in, you need buildings and cont...

What’s Next for UK Mortgages? A Look at Today’s Market and Tomorrow’s Opportunities

If you're a homeowner or looking to get onto the property ladder or you are looking to remortgage, y...

Key Trends Shaping Mortgages, Protection & Later-Life Lending in 2025

It’s been a busy year in the finance world! Have you been reading along? We’d thought we’d break ...

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

Quick Links

First Time Buyers

Home Movers

Remortgages

Equity Release

Blog

Meet the Team

Contact Us

Privacy Policy

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.

Blogs

What our clients say...

Latest Blog

Quick Links

Our Fees