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July 2025

Accessing Capital: Comparing Equity Release, Loans, and Remortgages

Equity Release, Mortgage tips, Homeowners |

Are you looking to take a dream holiday this summer? Or do you have plans to get the garden ready to enjoy the sun? Whether you want to renovate your home, support your family, or manage debts, there are several ways to release money from your property. This fact sheet breaks down three common options. Plus, we’ve included real-life examples to help you understand how each one works.

Not All Income Protection Is Equal – Here’s Why

Protection, Saving Money |

Life can be unpredictable, and depending on your line of work, if illness or injury stops you from working, your income can change overnight. That’s where income protection insurance comes in. Offering a financial safety net when you need it most. We are specialised in helping people with income protection. We’re here to help – give us a ring and let’s talk through your options.

Don’t Let a Bargain Policy Leave You Uncovered

Home Insurance, Protection |

When it comes to buying insurance, whether for your car, home, health, or income, it’s tempting to focus on price. After all, who doesn’t want to save money? But while a cheaper premium may look appealing upfront, it could cost you far more in the long run. if the policy doesn’t do what you need it to. Equally, by chatting with an advisor, you’ll ensure you’ll end up with the right policy for you and your needs.

Stamp Duty Changes: What Homebuyers Need to Know

Home Movers, First Time Buyers, Remortgages |

If you're planning to buy property in England or Northern Ireland, there’s some big news you should know about. As of April 1, 2025, the temporary Stamp Duty relief introduced back in 2022 has officially ended, and several major changes are now in effect.

June 2025

How can a critical illness insurance policy help

Protection, Wellbeing |

Did you know that critical illness insurance can provide an extra security net? Waiting times for elective surgery within the NHS have significantly worsened in recent years. COVID-19 had a deep and lasting impact on access to care. NHS England alone recorded over 7.5 million people on waiting lists as of late 2024.

Avoid NHS waiting times with private medical insurance

Wellbeing |

Did you know private health insurance can provide an essential safety net? You’ll be able to access treatment faster, bypassing waiting lists. One monthly fee or an annual payment will reduce financial stress by covering the high costs of surgery, diagnostics, and hospital care. And you’ll have the choice of specialists and hospitals to suit your needs. Plus, comprehensive support for high-value claims, such as cancer treatment.

Using Equity Release for Home Improvements or Care Needs

Equity Release, Homeowners |

As you approach the ‘Golden Years’, are you considering whether to stay at home or move into care? Can you afford to do this without selling your home? Equity release for home improvements or aged care is a popular choice for many older homeowners as they look for ways to stay at home for longer and improve the quality of life in retirement.

Insuring a Heritage Property? What You Need to Know

Home Insurance |

There is a lot of love for those beautiful older houses, from the Tudor era to the popular Edwardian terraces. But it’s important to remember, insuring older or historic homes (especially listed buildings) requires special policies. When comparing new build vs. historic (or older) homes for home insurance in the UK, you need to weigh up the costs and factors. Insurers assess risk based on the age, construction materials, and condition of a property. Directly impacting your premiums, coverage ...

Remortgaging This Year? Fixed vs Variable Rates

Remortgages, Mortgage tips |

Do you hold one of the fixed rate COVID-era mortgages coming to an end this year? Unfortunately, the rate has risen significantly since then. We can’t offer generalised advice without understanding your situation in detail. So contact us for personalised help. Remember, we are here to help. We’ve seen it all before, and our specialised and expert knowledge is here to be utilised — before you get stuck facing a large interest rate hike.

May 2025

How to restart your budget ahead of summer!

Saving Money, Wellbeing |

With the sun on our faces and the right approach to your end-of-summer spending, you can achieve your warm-weather wants on an ice-cream budget. Here’s how to get that summer bank balance set-up for a great year ahead, from clever budget ideas to easy ways to reduce your expenses.

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. ...

Want to Boost Your Home's Appeal? Start with the Garden

What an amazing summer we’ve been having, and if like us, you’ve been spending a lot of time in th...

Making the Most of Your Home in Retirement – With the Right Advice

For many people approaching or already in retirement, your home isn’t just where you live, it’s al...

From Renting to Retirement: How Your Insurance Needs Change Through Life

As your lifestyle evolves, so do the risks you face. Your insurance cover should adapt to reflect th...

Supporting a Self-Employed Single Mum with Critical Illness Cover

We recently encountered an interesting real-life scenario, and we thought it would be helpful to sho...

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...

Stay Calm and Financially Resilient

Your Money, Your Safety Net...Life can be unpredictable. Whether it's a sudden job loss, an illness,...

Can Your Health Cover Help You Get Fitter? Here’s How

Are you looking to feel your best this summer? It can be a self-conscious time of year, but let’s m...

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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