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Archive by category: HomeownersReturn

February 2025

Selling this spring? Top tips to get your house ready for sale!

Home Movers, Homeowners |

Firstly, let’s ask, how does your house look from the street? First impressions are so important when it comes to selling your home. Does the garden need work? The hedges trimmed? Or grass mowed? Either pull out your gardening gloves or call in some help. This is a big one that helps enhance the value of your home. Perhaps you could add a colourful garden (set to bloom in time for spring!).

Can I use equity release to buy a new home?

Home Movers, Equity Release, Mortgage tips, Homeowners |

Whether you are looking to purchase a new home to move into or purchase a property for a family member, we can explore your equity release options to see if it’s affordable for you. Did you know you could release equity to buy another property? Contact us via email or phone to get started, and we’ll start the process. Let’s dive into what’s involved!

January 2025

What is probate and could it affect a life insurance claim?

Protection, Homeowners |

A grant of probate is sometimes needed when valuable assets, such as property and shares, are left in a will. It's a process that ensures the instructions in a will can be followed. It's a lengthy legal proceeding before the courts to settle wills. A grant of probate is sometimes needed when valuable assets, such as property and shares, are left in a will.

Manage cash flow by leveraging your equity

Equity Release, Mortgage tips, Homeowners |

Loading up the credit card is something we see all too often. But have you thought of leveraging the equity in your property? We can work with you to unlock your equity by consolidating your debt. Paying it down at much lower interest rates. Here's some more information below to see if equity release is the best option for you.

December 2024

With insurance premiums on the rise, is your policy up to date?

Home Insurance, Protection, Saving Money, Homeowners |

With insurance premiums increasing, it’s a great time to review your policy. Did you know that if you contact us, we may be able to find you a cheaper deal? Or even, we might be able to find you more benefits for the same fee. That’s one of the advantages of going through an advisor. We can find you a policy that suits your specific needs and budget.

How much equity can I release with a lifetime mortgage?

Equity Release, Homeowners, Mortgage tips |

A lifetime mortgage is a type of equity release. In simple terms, it’s a loan secured against the value of your home that allows you to release tax-free cash without needing to move out. You retain ownership, can still live in the property, and it doesn’t need to be repaid until you die or move into long-term care.

Income protection to benefit the whole family

Protection, Homeowners, Wellbeing, Saving Money |

Income protection is a policy that will cover you financially if you can’t work due to sickness, injury, or disability. Did you know that in an ideal world, everyone in the family will benefit from full coverage?

Myth-busting mortgage hurdles

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

Here are common mortgage myths debunked to help you navigate the home-buying process confidently. Chat with us to go into these in detail and for advice specific to your circumstances.

November 2024

Do you need joint life insurance?

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

Have you ever wondered whether you and your partner should be on one single life insurance policy? Or should you each have your own? In this article, we go into joint life insurance options.

A look at the new renter’s reform bill and buy-to-let mortgages

Mortgage tips, Buy to Let, Homeowners |

The government recently published the Renters Rights Bill to Parliament. Here are some of the proposed new rules :

Stay Informed: Mortgage Tips & Trends

Gifting A First-Time Buyer? Maybe Equity Release Will Help

You might have heard of equity release, but did you know it’s a practical and increasingly common w...

Why Protecting Income Matters More Than Ever

We read something shocking recently. Recent figures show that around 40% of UK adults have less than...

What Does the Change In Base Rate Mean for Your Mortgage In 2026?

As of early 2026, the base rate has been cut to around 3.75%. It’s the lowest it’s been in nearly ...

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...

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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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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