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Archive by category: HomeownersReturn

October 2024

Take the worry out of insurance with a broker

Home Insurance, Protection, Saving Money, Homeowners, Wellbeing |

An insurance broker is a professional ‘middle-person’ working independently. The benefits are almost endless. The main one is that you no longer have to deal with insurance companies! Think about the time savings and risk management advice. Plus, personalised service you'll receive…

Use Equity Release to get your house ready for winter

Equity Release, Homeowners |

With winter approaching, are you asking whether your home needs a toasty update? If you are over 55, using equity in your home could be an option. Using our tips, you could keep your house warmer. And save on energy bills! It’s a win-win. We go through some simple changes you can make to your home to keep it warmer. And equity release plans you might be able to use.

Update: Bank of England base rate

Home Movers, First Time Buyers, Remortgages, Equity Release, Homeowners |

In August, The Bank of England cut interest rates to 5% from 5.25%. The first drop in rates since the first Covid lockdown in March 2020. September announced a hold at 5% too. This will affect millions of people's mortgage, credit card, and savings rates. But borrowing costs are still high.

September 2024

A couple months on, we reflect what could the recent election change mean for you

Home Movers, First Time Buyers, Remortgages, Homeowners |

As we all know, predicting which election promises will become reality is no easy task! However, we’ve outlined a few pointers to help you understand how the new government might bring changes that could affect you.

Did you know you can use equity release for private school fees?

Equity Release, Mortgage tips, Saving Money, Homeowners |

Have you been saving and working hard to provide your children or grandchildren with the best education, only to find that fees have risen? Sound familiar? Did you know you can use equity release for private school fees? We’ve outlined three types of mortgages that suit homeowners with different needs. Once you’ve read through them, get in touch for a detailed plan on accessing equity release.

Is it time to remortgage?

Remortgages, Mortgage tips, Homeowners |

Barclays* recently announced an analysis of the mortgage market, predicting significant changes between July and December 2024. During this period, over £98.4 billion worth of residential mortgages and £16.4 billion worth of buy-to-let deals will be ending.Do you hold one of these mortgages?

August 2024

How to reduce risks when taking out a lifetime mortgage

Equity Release, Mortgage tips, Saving Money, Homeowners |

So, you’ve heard of lifetime mortgages, and you are at a stage in life when your finances need a little boost. It’s ideal for adding value to your home, such as for a renovation, taking the dream trip you’ve always wanted, or accommodating new grandchildren. Naturally, you have some questions — and potential concerns — about releasing money from your biggest asset. Who pays it back? And will your family be left in a shortfall?

July 2024

Are you covered if your children need time in hospital?

Protection, Homeowners, Wellbeing |

Recent research from MetLife UK shows a large gap in income protection. Over half of working parents don’t have a financial plan in place if their child experiences illness or injury. The research shares that 50% of parents wouldn’t be able to survive longer than three weeks without pay if they had to take time off work to care for their sick child(ren). Just 22% would last seven days, and 9% are unable to consider any time off.

June 2024

How to use Equity Release to buy a new home

Home Movers, Equity Release, Homeowners |

If you’re 55+ and have been eyeing up your dream home but aren't sure how you'll be able to afford it. Equity Release could help you purchase a new home! From a fresh space to live to a holiday retreat. We delve into how to use Equity Release to buy a new property.

Don’t forget your Income Protection

Protection, Homeowners, Wellbeing |

For ultimate peace of mind in an emergency, don’t forget Income Protection Insurance when buying a home. Income Protection Insurance serves as a financial safety net. If illness or injury stops you from working, this insurance provides an income. It’s usually a percentage of your pre-tax earnings, depending on how much cover you take out.

Stay Informed: Mortgage Tips & Trends

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...

2026 Insurance Update

The UK insurance market continues to evolve, shaped by technology, climate pressures and regulatory ...

What Are the Most Common Reasons for Later Life Lending?

In recent years, it has shifted from a "last resort" financial product to a strategic, mainstream pl...

From First-Time Buyers to Remortgagers, What New Products Are Out There for You?

It’s a busy time for changes in the mortgage world. Are you up to date? We are seeing lots of excit...

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...

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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