Blogs

Keep up to date with the latest news and our guides on all things mortgages.

Make an enquiry

Archive by category: RemortgagesReturn

September 2024

With Home Insurance premiums on the rise, here are some free ways to freshen up your home!

Home Movers, Remortgages, Home Insurance |

There has been a 6% increase in combined buildings and contents insurance since last year. In the current economic climate, inflation is affecting everything, and homeowners across the UK are feeling the pinch—making peace of mind more critical than ever. We are constantly scanning the market to find the best insurance deals, so contact us to see if we can secure a better policy for you.

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

What is Spear Phishing?

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

Though it may sound like a thrilling way to catch fish, Spear Phishing is far from exciting—and definitely not fun. Spear phishing occurs when scammers use personal information to impersonate a legitimate business, often one you've interacted with before. Armed with details such as your name, address, date of birth, workplace, or alma mater, they craft messages to deceive you. How many of these details are on your social media profiles, like Facebook or LinkedIn, ready for scammers to explo...

Is your will in order?

Home Movers, First Time Buyers, Remortgages |

Making a will is the only way to ensure your money, property, possessions, and investments (known as your estate) go to the people and causes you care about. Let’s look at some top questions…

Top five insurance policies to take out

Home Movers, First Time Buyers, Remortgages |

Part of our ‘stay safe and stay smart’ campaign naturally includes insurance. With the cost of living skyrocketing, we look at which insurance you really need, plus how to save money without facing expensive premiums.

What are the different types of income protection?

Home Movers, First Time Buyers, Remortgages, Protection, Saving Money |

Did you know that recent research from Beagle Street suggests that 10 million young UK adults don’t have life insurance? Are you one of those 10 million? However, the consequences of lacking life cover or income protection can be significant. What would happen without your primary earner? Your family could face substantial vulnerability.

Watch out for these mortgage scams

Home Movers, First Time Buyers, Remortgages |

Your first step of protection? Avoid scams by always using a trusted mortgage broker. Even with increased online security and tight rules and regulations, so many scams are going around. We live in a world where buying or selling a property is possible without meeting face-to-face with your conveyancer, mortgage broker, estate agent, surveyor, or even buyer/seller.

April 2024

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

What is a ‘stress test' and how does it work?

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

Are you coming to the end of a fixed rate mortgage or have your circumstances changed? For example, a new baby or job? We do a deep dive into one of the more complex concepts of mortgages and why your circumstances might affect them. Have you heard of ‘stress tests’ before? Introduced in 2014, stress tests, aka an ‘income test’, are an important part of the mortgage process.

Latest Blog

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 ...

Case Study: Navigating Complex Lending

Applying for a mortgage can sometimes be straightforward, but when your financial situation is compl...

Understanding Tax Calculations and Tax Year Overviews

If you’re applying for a mortgage, you may have come across the terms SA302 and Tax Year Overview. ...

Boost Your Chances for a Mortgage

Are you looking for a new mortgage? How organised are you? Let’s go through some of the key criteri...

Stamp Duty Changes: What Homebuyers Need to Know

If you're planning to buy property in England or Northern Ireland, there’s some big news you should...

Remortgaging This Year? Fixed vs Variable Rates

Do you hold one of the fixed rate COVID-era mortgages coming to an end this year? Unfortunately, the...

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...

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...

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

Quick Links

First Time Buyers

Home Movers

Remortgages

Equity Release

Blog

Meet the Team

Contact Us

Privacy Policy

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.

Blogs

What our clients say...

Latest Blog

Quick Links

Our Fees