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Archive by category: HomeownersReturn

February 2023

Equity Release: Unleashing the Potential of Your Home's Equity

Equity Release, Mortgage tips, Homeowners |

Equity release has gained popularity among homeowners who are in their retirement years and wish to access the equity in their home without having to sell it. The cost of living continues to increase, and inflation has hit double digits, making equity release a valuable solution for supplementing retirement income.

December 2022

Life Insurance: Ensure your family can continue the Christmas magic for years to come no matter what

Protection, Homeowners |

For most of us Christmas means spending time with our loved ones. But what if the worst were to happen, would your loved ones still be able to have a Christmas? Protecting your family’s finances can ensure the least disruption to those events that can be particularly difficult to face for loved ones after losing someone important.

Inheritance tax allowance freeze: What does it mean?

Saving Money, Homeowners |

As announced in the Autumn statement by Chancellor Jeremy Hunt, the government have made the decision to freeze the inheritance tax (IHT) thresholds for two more years. But what does this mean?

New Year, New Home? What it means to port your mortgage to a new property

Home Movers, Mortgage tips, Homeowners |

Have you outgrown your home? Relocating to a different area? Perhaps you’re looking to downsize? No matter the reason, 2023 could be the year of the New Home for you and your family.

Debt consolidation - ease the burden of financial outgoings

Mortgage tips, Saving Money, Homeowners |

While we’re not quite at Christmas yet, many of us will have made a big dent in our Christmas shopping to do list, but at what expense? Budgets this year are significantly tighter for many households, and many will have turned to borrowing via credit cards, store credit and loans to afford the lifestyle they enjoyed previously. But what if the debts are growing and you’re unsure how you’ll look to repay them in the new year?

November 2022

CASE STUDY: Over 50 but too young for equity release – what are the options?

Remortgages, Equity Release, Mortgage tips, Case Studies, Homeowners |

People over the age of 50 often find it difficult to get a mortgage because many lenders will not take future income, such as pensions, into account. But some lenders do, in particular those who offer retirement interest-only mortgages. Our case study shows how a retirement interest-only mortgage may be a viable, affordable and the right option in later life.

Secured loans – Defeat the debts

Remortgages, Mortgage tips, Bad credit, Homeowners |

It’s no secret that the results of the pandemic and the more recent cost of living crisis have left many of us seeking alternative ways to afford the essentials, and for a lot of us that has meant extending overdraft facilities, obtaining credit cards and securing store credit options. But these multiple debts can mount in interest and become difficult to juggle, so what then?

Our MD and adviser Luke talking about mortgages and interest rates rises on the BBC HEREFORD & WORCESTER Radio Breakfast show

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

There is a lot of talk in the media about mortgage rates. It is true that some rates have increased but it is also true that many lenders have dropped their rates in the last couple of weeks although you will find this less reported in the media. If you are looking to buy a house or remortgage, a mortgage broker can help you navigate this turbulent market and find you options to help keep costs down. Fairview Financial are still helping clients every day because,- despite the BOE rate increas...

October 2022

What do storms mean for your Home Insurance?

Home Insurance, Homeowners |

Are you aware of what storm or flood cover you have for your property? Have you checked your fine print ahead of the turbulent weather? If not, it’s worth investigating your current cover, or ensuring you renew soon with these elements factored in. Your buildings insurance should provide cover for damage caused by floodwater entering your home, be it from heavy rainfall, storms, high tide, or a river bursting its banks.

Leave a living inheritance with Equity Release

Equity Release, Homeowners |

Traditionally we leave our loved ones an inheritance to be paid to them after we’re gone, but more and more people are looking to share the funds intended for an inheritance, while they’re still around to enjoy the benefits of that gift. With equity release, homeowners over 55 could unlock some of the tax-free cash that’s tied up in their property to use in a variety of ways, including passing it on as a living inheritance

Stay Informed: Mortgage Tips & Trends

Equity Release: Why the Mortgage Market Is Changing, and What It Means for You

For most of the last century, the mortgage journey followed a fairly predictable path. You bought yo...

Does Your Home & Contents Insurance Hold Up When You Are On Holiday?

The holiday season is almost here. While you're busy booking flights and planning days out, there's ...

Don’t Let Probate Eat into Your Family's Inheritance

Nobody likes thinking about what happens when they're gone. But if you have a life insurance policy ...

What Do the Current Rates Mean For You?

With so much happening in the world right now, it can be hard to know what it all means for your mor...

The Great British Affordability Divide: Where Can First-Time Buyers Actually Afford to Buy?

If you've ever dreamed of owning a home but felt priced out of the market, new data from Nationwide ...

Can You Use Later Life Lending To Turn Your Garden Into A Summer Oasis?

Summer is just around the corner, and we are looking forward to Pimm’s in the garden. A couple of c...

Did You Know You Can Use Later Life Lending to Stay in Your Home?

As a later life lending broker, one of the most meaningful conversations I have with clients isn't a...

Is Critical Illness Cover Worth It? Honestly, Yes, And Here's Why

What actually is critical illness cover? It pays you a tax-free lump sum if you're diagnosed with a ...

Protecting Your Empty Property: What You Need to Know

Do you own a house that is sitting empty? Whether it's awaiting sale, between tenants, undergoing re...

Are You Looking in a UK Housing Hotspot?

The UK housing market is showing some fascinating twists as we move into 2026, with certain towns an...

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

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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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