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November 2025

Why Insurance Reviews Matter

Protection, Saving Money, Wellbeing |

Regularly reviewing your insurance policies ensures your cover remains accurate and up to date. As circumstances change – such as income, property value, dependents, or lifestyle – your insurance needs may shift too. A periodic review helps identify any gaps in coverage, prevent over- or under-insuring, and confirm that premiums and benefits still offer value for money. Taking the time to reassess your policies each year can improve financial security and ensure you’re properly protected when...

A Broker’s Guide to Busting Mortgage Barriers for Homeowners

Remortgages, Mortgage tips, Homeowners |

Refinancing a mortgage isn’t always as simple as finding a lower rate. Changing incomes, property values, and tighter lending rules can all create barriers that make remortgaging more complex than expected. With many fixed-rate and introductory loans coming to an end in 2026, now is the perfect time to review your options and get organised! Many homeowners face common barriers when considering remortgaging:

October 2025

Your Guide to Medical Underwriting

Wellbeing |

Let’s be honest, insurance can often feel a bit overwhelming when going through the fine print! Whether you’re joining a new policy or transferring from an old one, knowing how medical underwriting works can save you time, stress, and surprises. Understanding how your health cover deals with pre-existing conditions doesn’t have to be complicated.

When Might an Insurer Not Pay a Claim?

Home Insurance, Protection, Homeowners |

We often get asked, when might an insurer not pay a claim? I understand how frustrating it can be when a claim is denied. While insurance is designed to provide financial protection, there are specific circumstances under which a claim may not be paid out. So, we’ve put together a fact sheet to help you learn what you need to know:

Have You Heard of the Term ‘Mortgage Prisoners’?

Equity Release, Mortgage tips, Homeowners |

If you’re a homeowner in the UK, you might have heard the term “mortgage prisoner” being thrown around. But what does it mean, and how could it affect you? A mortgage prisoner is someone who is up to date with their mortgage payments but is unable to switch to a more affordable deal. This situation often arises due to stricter lending criteria introduced after the 2008 financial crisis. Many of these homeowners are stuck with high-interest rates, sometimes paying significantly more than curre...

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

Protection, Homeowners |

Life is unpredictable, and the thought of what would happen to your loved ones if you were no longer around can be a source of real anxiety. Recent research highlights just how widespread these worries are across the UK..The study found that a significant number of adults often think about the financial impact their death would have on their family, with some constantly worrying about it. These findings underline a clear truth: many people feel unprepared for the financial challenges their famil...

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

Home Movers, First Time Buyers, Remortgages |

When it comes to buying a property or remortgaging in the UK, most people don’t think about mortgages until they’ve already found a home. Or their current deal is nearly up. But, by then, the clock is ticking, and options can be limited. Speaking to a mortgage broker around six months before you’re ready to move gives you breathing space, and often, a much better outcome.

September 2025

Top tips: How to Boost your Income

Saving Money |

We’ve scoured the internet and swapped tips around the office to find simple (and sometimes a bit cheeky) ways to top up your income. Whether you’re after a quick win or a regular side hustle, here are some ideas to get started:

Health Insurance Isn’t Just for Emergencies

Wellbeing |

When people think of private health insurance, they often imagine it’s only there for the big stuff, like major surgery, overnight hospital stays, or medical emergencies. But the truth is, many policies offer a lot more than that.

How Homeowners Over 55 Can Fund Their Garden Retreats

Equity Release, Mortgage tips, Homeowners |

Over the past few years, many homeowners have discovered the value of creating dedicated spaces in their gardens. Whether it’s a quiet home office, an art studio, a gym, or simply a place to unwind. These garden rooms have become more than just an extra building; they’re a way to enhance daily life without the upheaval of moving.

Latest Blog

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...

Take The Stress Of Christmas With Equity Release

The festive season can be magical. But honestly, we are speaking to so many of our clients, and the ...

The Hidden Benefits of Using a Broker for Your Protection Policy

Did you know that nearly one in five adults in the UK who start looking into protection insurance do...

How Health Cover Is Evolving, And Why It Matters

Health insurance has come a long way. Once seen as something you only used when you were unwell, tod...

Remember To Update Your Home and Content Insurance

It’s that time of year again! Twinkly lights, endless mince pies, and maybe a few exciting new gift...

Big News! Interest-Only Mortgages Just Got Easier

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

The Art of Spending Mindfully

As your broker, I want to help you not just protect your financial future with the right mortgage or...

Insurance That Works Harder

When it comes to health insurance, many people think only about hospital treatment, consultations, o...

Protection: How Needs Evolve Over a Lifetime

Understanding how your insurance needs change over time is key to maintaining financial security for...

A Better Way Forward for Equity Release

Equity release has helped thousands of UK homeowners unlock the value in their property, but it hasn...

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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