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Archive by category: HomeownersReturn

August 2022

5 life insurance need to know's

Home Movers, First Time Buyers, Protection, Remortgages, Homeowners |

When it comes to navigating available Life Insurance policies it can be quite the minefield! We’ve assembled a handy list of 6 things to be aware of before you start and when you’re ready, we’ll be here to help you find the most suitable policy for your needs.

What is Accidental Damage Insurance?

Home Movers, First Time Buyers, Remortgages, Home Insurance, Homeowners |

We face household accidents regularly, but that’s not to say they aren’t annoying to deal with when they happen. Many of us prefer to protect our assets and valuables just in case and while that won’t stop things getting broken, it does help during the aftermath, but what does Accidental Damage Insurance actually involve?

CASE STUDY: Are you prepared if you can no longer work?

Home Movers, First Time Buyers, Remortgages, Case Studies, Protection, Homeowners |

If you are working, what would happen to your monthly income if you suddenly lost your ability to work? Would you be able to manage without your monthly income? If you could not pay your mortgage, how long before you lose your home? How would you pay the food bills and which of your home comforts would you lose first? Can you and your family cope with this financial loss?

Don’t let the current financial climate damage your credit score

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

As we continue to battle the cost-of-living crisis, it’s easy to see the solutions damaging our credit file, impacting our future finances as well as hitting us in the pocket today. With our wages typically stagnating in comparison to the rapid climb on our outgoings, it means we’ll all have to tighten our belts that bit more as we have less disposable income at our fingertips.

CASE STUDY: Critical illness cover for your children

Case Studies, Remortgages, Mortgage tips, Protection, Homeowners |

As a parent it must be very difficult to think about your child being critically ill in the future. But it is worth considering how you would manage financially if this happened. Critical illness cover for children can help give you the reassurance that if your children were to suffer from a serious illness, you’d receive a financial helping hand.

Equity Release - Gifting to Family and Friends

Equity Release, Homeowners |

Equity release gifting is a great way to release tax-free cash from your home to help friends and family. Recent research conducted by Later Life Lender more2life reveals the true extent to which gifting via Equity Release can benefit fund recipients.

A new Bank of England base rate rise. Is now a good time to remortgage?

Remortgages, Mortgage tips, Homeowners |

August 4th saw yet another Bank of England Base Rate hike, this time to 1.75% and evidently these rises are seeing Mortgage Rates rising too. So, does this mean you should remortgage now?

July 2022

Can Equity Release help pay off your Interest-Only mortgage?

Remortgages, Equity Release, Homeowners |

During these time of financial uncertainty many homeowners with interest-only mortgages may ask themselves what would happen if they can’t pay off their mortgage at the end of the term?

Stay Informed: Mortgage Tips & Trends

Is Your Protection Still Fit for Purpose? January is the Time to Review Income & Life Cover

January is often when people take a step back and look at their finances with fresh eyes. Once the f...

Autumn Budget 2025: What Homeowners and Buyers Should Know

Delivered by Chancellor Rachel Reeves on 26th November, the 2025 Autumn Budget brings a mix of new c...

Take The Stress Of Christmas With Equity Release

The festive season can be magical. But honestly, we are speaking to so many of our clients, and the ...

Big News! Interest-Only Mortgages Just Got Easier

Big news from the mortgage world: Nationwide are releasing interest-only mortgages to first-time buy...

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...

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.

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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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