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

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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

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.

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?

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.

July 2024

How much does it cost to have a child in 2024?

Saving Money, Wellbeing |

Recent research says the average cost of having a child in the UK is around £223,256! That’s about £12,400 a year, or £1,030 a month. Unsurprisingly, childcare makes up a large portion of this. Figures reveal parents are paying about £270 a week for 50 hours of full-time care for a child under two in England and Wales. But things are looking up, or rather, costs are going down. You may be able to reduce your bill by up to 20% by applying for tax-free childcare.

Children’s & adult’s personal accident plans

Protection |

All ready for the tennis this month! Do you have your racquets and balls ready to go? What about insurance? Have you thought of personal accident plans for your children? It’s not something you like to think about, but it’s on all parents’ minds. Whether it’s watching your little one save a goal, seeing them master the double flip on the balance bar, or perfecting their backhand without a ball to the head! Adding a personal accident plan means you’ll have the best care available for your ch...

Do children need health insurance?

Wellbeing |

We often get asked, ‘Does my child need health insurance?’ We can’t answer this question for you, as this is something you need to think about. But we’ve put together this blog post to help you understand what’s available.

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Why Insurance Reviews Matter

Regularly reviewing your insurance policies ensures your cover remains accurate and up to date. As c...

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...

Your Guide to Medical Underwriting

Let’s be honest, insurance can often feel a bit overwhelming when going through the fine print! Whe...

When Might an Insurer Not Pay a Claim?

We often get asked, when might an insurer not pay a claim? I understand how frustrating it can be wh...

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...

Life Cover Isn’t a Nice Option to Have - It's Essential

Life is unpredictable, and the thought of what would happen to your loved ones if you were no longer...

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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