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Archive by category: Mortgage tipsReturn

November 2022

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...

October 2022

Your mortgage options - we're still here to help

Remortgages, Mortgage tips, Homeowners, Saving Money |

The news around mortgage rates and deal availability has no doubt been heard by you and your loved ones, but are you worrying? Our role is to help you avoid worry and stress surrounding these headlines. It is important to remember that a lot of these headlines are often misleading and do not paint an accurate picture of the market right now. While it may feel uncertain it’s important to understand that these situations are often temporary and not without solutions.

September 2022

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

CASE STUDY: The rise of the “Silver Splitters”

Equity Release, Home Movers, Mortgage tips, Case Studies |

While many of us may have become incensed by or frustrated with our spouses during the last two years’ increased time at home, many have also felt the need to file for divorce. In fact, the latest ONS data has revealed that in the over 65s, there has been a 46%* Year on Year increase in the number of those obtaining a divorce.

Don’t let the current financial climate damage your credit score

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

As we continue to battle the cost-of-living crisis, it’s easy to see the solutions damaging our credit file, impacting our future finances as well as hitting us in the pocket today. With our wages typically stagnating in comparison to the rapid climb on our outgoings, it means we’ll all have to tighten our belts that bit more as we have less disposable income at our fingertips.

CASE STUDY: Critical illness cover for your children

Case Studies, Remortgages, Mortgage tips, Protection, Homeowners |

As a parent it must be very difficult to think about your child being critically ill in the future. But it is worth considering how you would manage financially if this happened. Critical illness cover for children can help give you the reassurance that if your children were to suffer from a serious illness, you’d receive a financial helping hand.

A new Bank of England base rate rise. Is now a good time to remortgage?

Remortgages, Mortgage tips, Homeowners |

August 4th saw yet another Bank of England Base Rate hike, this time to 1.75% and evidently these rises are seeing Mortgage Rates rising too. So, does this mean you should remortgage now?

July 2022

First Time Buyers - Your questions answered

First Time Buyers, Mortgage tips |

Few financial decisions feel as life-changing, daunting and exciting as making the move to buy your first home – and getting good advice from the off is key to making it a positive experience. It is easy to get overwhelmed with the number of questions you need answers to, but our mortgage adviser Laura Healy shares the answers to some of the most pressing to help you on your way.

March 2021

Mortgage Payment Holiday – How does it work?

mortgage payment holiday, Covid-19, pandemic, mortgage payment, homeowner | Mortgage tips, Home Movers, Remortgages |

To support those who are having difficulties in making their monthly mortgage payments, a mortgage payment holiday of up to 3 months is being offered by lenders to those who have been impacted by the Coronavirus pandemic.

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...

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 ...

Big News! Interest-Only Mortgages Just Got Easier

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

A Broker’s Guide to Busting Mortgage Barriers for Homeowners

Refinancing a mortgage isn’t always as simple as finding a lower rate. Changing incomes, property v...

Have You Heard of the Term ‘Mortgage Prisoners’?

If you’re a homeowner in the UK, you might have heard the term “mortgage prisoner” being thrown a...

How Homeowners Over 55 Can Fund Their Garden Retreats

Over the past few years, many homeowners have discovered the value of creating dedicated spaces in t...

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 ...

Case Study: Navigating Complex Lending

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

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.

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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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