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Archive by category: HomeownersReturn

September 2024

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.

May 2024

A wedding of a lifetime, covered by equity release

Equity Release, Homeowners |

Did you know you can use equity release for gifting? Also known as a lifetime mortgage, you can help your children/grandchildren have the wedding of their dreams. It may also fund your income for the year. So this could help you take time off to help the kids. Or help you plan and enjoy your own wedding.

April 2024

How to release equity for a trip of a lifetime!

Equity Release, Homeowners |

Are you finally ready to take that dream holiday you’ve been thinking up for years? We are here to discuss how releasing equity can help you get there. A Lifetime Mortgage allows homeowners aged 55 and over to access value. It can provide you with a lump sum or regular income. Here's our step-by-step guide on how to plan the trip of a lifetime:

What is a mortgage holiday? And is it worth it?

Home Movers, Remortgages, Mortgage tips, Homeowners |

A mortgage holiday might sound intriguing. But firstly, it's for those experiencing temporary financial difficulty. We investigate some reasons you may need one. Plus, essential factors you need to consider.

Spring Budget 2024 summary: what are the key takeaways?

Home Movers, First Time Buyers, Remortgages, Homeowners |

On the 6th March, the Chancellor of the Exchequer, Jeremy Hunt, delivered his Spring Budget for 2024. This speech saw the announcement of some new taxes and adjustments to existing taxes. We also saw changes to several economic policies. In our summary, we look into how this budget might affect you. Here’s some key takeaways for you.

March 2024

Why millennials should care about general insurance: planning for the future

Home Insurance, Homeowners, Protection |

In a world where the future is uncertain, one thing remains constant: the need for protection. For those born between 1981 and 1996 (hello, millennials!), planning for the future might seem daunting. we take a closer look at why this generation should start to prioritise understanding general insurance. You are investing in your long-term financial well-being and peace of mind.

Stay Informed: Mortgage Tips & Trends

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...

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 ...

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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