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Archive by category: HomeownersReturn

February 2024

Your dream garden can be within reach – unlock the equity in your home

Equity Release, Homeowners |

Spring is just around the corner, and with the promise of warmer days and blooming flowers, many homeowners find themselves yearning to breathe life into their outdoor spaces. Your garden, often an overlooked canvas, can be transformed into a tranquil haven where you can relax and immerse yourself in the beauty of nature. If you aren't sure how to make your plans a reality, one option is to use a lifetime mortgage for home improvements.

Is your home covered against storm damage?

Home Insurance, Homeowners |

As the weather becomes increasingly unpredictable, protecting your home against storm damage is crucial for both safety and financial well-being. Here's a short guide on how to protect your home and navigate the process of making a claim on your home insurance in case of storm-related incidents.

An insurance policy could be more affordable than you think

Homeowners, Protection |

Nearly half (44%) of UK workers overestimate the monthly cost of income protection, life cover, and cash plan policies*. This highlights a significant gap between perceived cost and reality, meaning many are missing out because of misperceptions around price.

Looking to remortgage? Tips to help you navigate the current mortgage market

Home Movers, Remortgages, Mortgage tips, Homeowners |

We understand that the current challenges we are all facing in light of the cost of living squeeze and the rise in interest are causing concerns for many homeowners. If your current mortgage deal is looking to end in the next 12 months, you have options you can explore now.

January 2024

Ensure your valuables are secured in 2024

Home Insurance, Saving Money, Homeowners |

Whether you're a homeowner or renting, if someone in your household has received a high-value gift for Christmas, don't forget to ensure your belongings are covered with your home insurance policy. Here's a brief guide to help you navigate the ins and outs of safeguarding your high-value items.

Government support to help you keep your home warm this winter

Equity Release, Homeowners |

As the temperatures start to go down and the energy bills go up, you might feel like you can’t afford to put the heating on. If that’s you, there is support available for people claiming benefits or who have reached a certain age. Don’t miss out on the support that’s there for you. Read on for the different ways you can get support from the government to heat your home this winter.

4 reasons why January is a good time to buy life insurance

Protection, Homeowners |

January is a month of possibilities, and one of the best gifts you can give yourself and your loved ones is the security of life insurance. Here's why January is the perfect time to make this important decision.

Financial New Years’ Resolutions

Home Movers, First Time Buyers, Homeowners |

2023 undoubtedly wreaked havoc with many of our finances with the cost-of-living expenses rising and interest rates causing uncertainty in the mortgage market. So, with a New Year now underway, it isn’t too late to set your financial goals to help combat the ongoing cost increases. Check out our handy list of 10 Financial New Year’s Resolutions that could help shape your finances for 2024.

December 2023

Debt consolidation following Christmas spending

Saving Money, Homeowners |

Budgets this year are significantly tighter, and many will have turned to borrowing via credit cards, store credit and loans to afford a Christmas like those 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 2023

Autumn Statement: 95% Mortgage Guarantee Scheme has been extended

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

As part of their Autumn Statement, the Government announced that the 95% Mortgage Guarantee Scheme has been extended until the end of June 2025. The scheme incentivises lenders to help both first-time buyers and current homeowners to purchase properties up to £600,000 with a 5% deposit. It can be used for mortgages on both new build and existing homes by first-time buyers, home movers and those remortgaging.

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

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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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