Blogs

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

Make an enquiry

Archive by category: HomeownersReturn

September 2025

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:

Case Study: Navigating Complex Lending

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

Applying for a mortgage can sometimes be straightforward, but when your financial situation is complex—such as having a recent IVA, irregular income, or purchasing through a shared ownership scheme—the process can quickly become challenging. In these cases, working with an experienced mortgage broker is invaluable.

Understanding Tax Calculations and Tax Year Overviews

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

If you’re applying for a mortgage, you may have come across the terms SA302 and Tax Year Overview. These documents play a crucial role in the mortgage application process, especially if you’re self-employed or receive rental income. But what exactly are they? Why do lenders ask for them? And how can you get hold of them? Let’s break it down.

Want to Boost Your Home's Appeal? Start with the Garden

Homeowners |

What an amazing summer we’ve been having, and if like us, you’ve been spending a lot of time in the garden, you might be wondering what you’d like to do to update it. Well, we have great news! Keeping your garden looking perfect can help increase your home's value.

Making the Most of Your Home in Retirement – With the Right Advice

Equity Release, Homeowners |

For many people approaching or already in retirement, your home isn’t just where you live, it’s also one of your most valuable financial assets. Whether you’re looking to top up your pension, help family members, renovate, or simply enjoy more financial freedom, accessing the equity tied up in your property can be a powerful option.

July 2025

Accessing Capital: Comparing Equity Release, Loans, and Remortgages

Equity Release, Mortgage tips, Homeowners |

Are you looking to take a dream holiday this summer? Or do you have plans to get the garden ready to enjoy the sun? Whether you want to renovate your home, support your family, or manage debts, there are several ways to release money from your property. This fact sheet breaks down three common options. Plus, we’ve included real-life examples to help you understand how each one works.

June 2025

Using Equity Release for Home Improvements or Care Needs

Equity Release, Homeowners |

As you approach the ‘Golden Years’, are you considering whether to stay at home or move into care? Can you afford to do this without selling your home? Equity release for home improvements or aged care is a popular choice for many older homeowners as they look for ways to stay at home for longer and improve the quality of life in retirement.

May 2025

Avoid these mistakes when buying insurance

Home Insurance, Saving Money, Homeowners |

General insurance—whether it’s for your car, home, travel, or health—is a crucial financial safety net. But buying the wrong policy or overlooking key details can leave you underprotected when it matters most. To help you make a smart, informed decision, here are the top five common mistakes to avoid when purchasing general insurance. Of course, using a broker ensures you can avoid these mistakes. Give us a call to get your insurance all lined up.

Stay Informed: Mortgage Tips & Trends

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...

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...

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...

Stay Informed: Mortgage Tips & Trends

Quick Links

Our Fees