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Archive by category: First Time BuyersReturn

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%.

February 2023

Unlock the Door to Homeownership: A Guide to Government - Backed Schemes for First-Time Buyers

First Time Buyers, Mortgage tips |

First-time homebuyers may find it difficult to get on the property ladder due to the high cost of the deposit. However, there are several Government-backed schemes available to help first-time buyers purchase a property.

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.

November 2022

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.

Remortgaging or first-time mortgage - make your lender want you!

First Time Buyers, Remortgages, Mortgage tips, Homeowners |

Whether you are looking to remortgage as your deal comes to an end, or perhaps you (or someone you know) are looking at your first mortgage, it’s important that you have appeal for the lender who houses the deal you’re after. We’ve assembled a few top tips to help give you real curb appeal when it comes to presenting your application to the lender.

Handy tips for First-Time Buyers giving their bank account a clean-up for their application

First Time Buyers, Mortgage tips |

Your bank statements are a crucial part of evidencing your financial stability to be able to take on a mortgage, and they say a picture paints 1000 words, but what words is your bank statement saying about you and your mortgage suitability? Here are some handy tips to help ensure your bank statements look squeaky clean before you apply for a mortgage.

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.

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...

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...

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...

Big News! Interest-Only Mortgages Just Got Easier

Big news from the mortgage world: Nationwide are releasing interest-only mortgages to first-time buy...

Why It Pays to Speak to a Mortgage Broker Six Months in Advance

When it comes to buying a property or remortgaging in the UK, most people don’t think about mortgag...

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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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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