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Archive by category: Home MoversReturn

April 2023

I’m over 55, do I choose Equity Release or a Retirement Interest Only Mortgage?

Home Movers, Equity Release, Mortgage tips, Homeowners |

Retirement can be a time of great excitement, but also of uncertainty. One of the biggest financial challenges facing many people over the age of 55 is how to access the equity they have built up in their homes to fund their retirement. There are two main options available to homeowners in the UK: Retirement Interest Only Mortgages (RIOs) and Equity Release Lifetime Mortgages (ERLMs). Both of these products can be used to release equity from your home, but they work in very different ways.

March 2023

As mortgage rates start to come back down, how long should you fix for?

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

If you're considering fixing your mortgage term, now may be a good time to do so, with mortgage rates dropping below 4% for the first time since last September. Some of the UK's biggest banks have cut rates to offer market-leading deals for borrowers looking to remortgage, with five and 10-year deals below 4%.

January 2023

Tax Changes of 2023 to look out for

Home Movers, First Time Buyers, Remortgages |

News surrounding our finances and more so what happens with our finances at Government level, can be particularly confusing. We have sourced a list of tax changes coming this year so you can plan for financial changes on the horizon.

Financial New Years’ Resolutions

Home Movers, First Time Buyers |

2022 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 our New Years’ resolutions for your finances to help combat the ongoing cost increases.

December 2022

New Year, New Home? What it means to port your mortgage to a new property

Home Movers, Mortgage tips, Homeowners |

Have you outgrown your home? Relocating to a different area? Perhaps you’re looking to downsize? No matter the reason, 2023 could be the year of the New Home for you and your family.

November 2022

Putting Life Insurance in Trust

Home Movers, Mortgage tips, Protection |

Writing life insurance in trust is one of the best ways to protect your family’s future in the event of your death. Your life insurance policy is a significant asset, and by putting life insurance in trust you can manage the way your beneficiaries receive their inheritance. Here, we take you through the benefits of life insurance trusts, how the process works, who’s involved and the other considerations.

The value of advice in the current mortgage climate

Home Movers, First Time Buyers, Remortgages |

The Bank of England Base Rate has been in the news several times in as many months, and with it has been a lot of noise around mortgages and what the Base Rate increases means for mortgage rates. Not much of this has felt like good news, but as we have said previously: we’re here to help.

Our MD and adviser Luke talking about mortgages and interest rates rises on the BBC HEREFORD & WORCESTER Radio Breakfast show

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

There is a lot of talk in the media about mortgage rates. It is true that some rates have increased but it is also true that many lenders have dropped their rates in the last couple of weeks although you will find this less reported in the media. If you are looking to buy a house or remortgage, a mortgage broker can help you navigate this turbulent market and find you options to help keep costs down. Fairview Financial are still helping clients every day because,- despite the BOE rate increas...

September 2022

6 Reasons you need life insurance

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

If you’re looking into Life Insurance but are still on the fence whether to go ahead, check out these 6 key reasons why you might consider securing the cover for yourself and your family.

August 2022

5 life insurance need to know's

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

When it comes to navigating available Life Insurance policies it can be quite the minefield! We’ve assembled a handy list of 6 things to be aware of before you start and when you’re ready, we’ll be here to help you find the most suitable policy for your needs.

Latest Blog

A fresh start for your money this spring

Let’s get a bit cheesy this month with this very catchy phrase: “Spring Cleaning Your Finances—A ...

Why a specialist can save your mortgage

In our post-pandemic world, we are seeing lots of changes for the needs of borrowers! Do you need sp...

Key Changes to Stamp Duty

As of April 1, 2025, significant changes to the UK's Stamp Duty Land Tax (SDLT) have come into effec...

Why income protection & critical illness cover are extra important for the self-employed

If you're self-employed in the UK, income protection and critical illness cover are extra critical. ...

Can I get a mortgage if I’m self-employed? Plus other commonly asked employment questions

Work habits in the UK continue to evolve and change. And so, the mortgage industry is addressing con...

Health Insurance and Buying a New Home: Why They Go Hand in Hand

Buying a new home is an exciting milestone but also a significant financial commitment. While health...

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

Firstly, let’s ask, how does your house look from the street? First impressions are so important wh...

What insurance do you need to buy a home?

Are you buying a home in 2025? You’ve sorted out your finances, found the perfect home to buy, and ...

Protecting Your Family’s Financial Security with Life Insurance

When you buy a new home, you're often making one of the largest financial commitments of your life. ...

Can I use equity release to buy a new home?

Whether you are looking to purchase a new home to move into or purchase a property for a family memb...

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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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.

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