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

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April 2025

Recently divorced or separated? Is your insurance up to date?

Protection |

If you're going through a divorce or separation, updating your insurance policies is a necessary step. We understand it must be a hard time, full of emotions. Let us take the pain out of your insurance needs. If you’d like to take a read through the following and see what applies, give us a call or email and we can manage the rest. A perfect spring-cleaning step for a brighter future.

Why a specialist can save your mortgage

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

In our post-pandemic world, we are seeing lots of changes for the needs of borrowers! Do you need specialist help? Reach out, and we’ll help you get organised and secure your new mortgage! For those still benefiting from low mortgage rates, many homeowners have chosen to take a second charge rather than remortgage, say for debt consolidation and home improvements.

Key Changes to Stamp Duty

Home Movers, First Time Buyers |

As of April 1, 2025, significant changes to the UK's Stamp Duty Land Tax (SDLT) have come into effect, impacting homebuyers across England and Northern Ireland. These adjustments mark the end of the temporary measures introduced in September 2022 and a return to previous thresholds.

March 2025

Here are some tips for managing bills and finances when you don’t have a regular income

Saving Money |

Managing money and bills self-employed can feel like a juggling act. Especially since you don't have steady pay or the automatic deductions for things like taxes and national insurance. However, with the right systems in place, you can stay on top of your finances and ensure everything is paid on time. Here are some tips we’ve loved that can help take the hassle out of bills and finances.

Look after your health to ensure you are ready to work

Wellbeing |

Is equity release available for the self-employed?

Equity Release, Homeowners |

Are you self-employed, retired, or unemployed and looking for equity release? Are you wondering if you are eligible? The short answer is yes! As you will need an advisor for equity release, we can go through all the details. Depending on your situation, it may get a little complicated. But we are here to help!

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

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

If you're self-employed in the UK, income protection and critical illness cover are extra critical. You don’t have the safety nets that employees do. Like statutory sick pay (SSP), employer sick leave, or workplace health benefits. But of course, no matter your employment status, income protection and critical illness cover add extra support when you need it most.

Do you need extra building and content insurance policies in place if you work from home?

Home Insurance |

Maybe you've spent a bit of time putting together your business. Now everything is going well, you wouldn't want something unexpected to get in the way? This is where insurance can help. Of course, we are big believers in setting up these support systems.

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

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

Work habits in the UK continue to evolve and change. And so, the mortgage industry is addressing concerns from the self-employed. Guess what? Did you know you can get a mortgage if you are self-employed? You may just need to get some extra steps in place. But we are here to help and get you ready for homeownership!

February 2025

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

Home Movers, First Time Buyers, Homeowners, Wellbeing |

Buying a new home is an exciting milestone but also a significant financial commitment. While health insurance may not seem directly related, it plays a crucial role in safeguarding your finances and supporting your ability to maintain your home. AKA, if you look after yourself, you can look after all the rest of life. Here’s why health insurance and buying a new home go hand in hand:

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A fresh start for your money this spring

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How does your gender affect health?

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Your monthly equity release update

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Expect the unexpected: Critical Illness Protection for the whole family

Did you know Critical Illness Protection is important for the whole family? Not just the main earner...

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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