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November 2022

Save money on your subscription costs

Saving Money |

From streaming your favourite films to getting your fill of coffee, many people find paying for a range of subscriptions normal now. But the costs are creeping up. A total of 1.51 million video services were cancelled in the first three months of 2022, with more than half a million of these due to 'money saving', according to market research firm Kantar. It also found that around 58% of households in Great Britain (16.9 million), have at least one paid subscription. So how can you save ...

Putting Life Insurance in Trust

Home Movers, Mortgage tips, Protection |

Writing life insurance in trust is one of the best ways to protect your family’s future in the event of your death. Your life insurance policy is a significant asset, and by putting life insurance in trust you can manage the way your beneficiaries receive their inheritance. Here, we take you through the benefits of life insurance trusts, how the process works, who’s involved and the other considerations.

CASE STUDY: Over 50 but too young for equity release – what are the options?

Remortgages, Equity Release, Mortgage tips, Case Studies, Homeowners |

People over the age of 50 often find it difficult to get a mortgage because many lenders will not take future income, such as pensions, into account. But some lenders do, in particular those who offer retirement interest-only mortgages. Our case study shows how a retirement interest-only mortgage may be a viable, affordable and the right option in later life.

The value of advice in the current mortgage climate

Home Movers, First Time Buyers, Remortgages |

The Bank of England Base Rate has been in the news several times in as many months, and with it has been a lot of noise around mortgages and what the Base Rate increases means for mortgage rates. Not much of this has felt like good news, but as we have said previously: we’re here to help.

Secured loans – Defeat the debts

Remortgages, Mortgage tips, Bad credit, Homeowners |

It’s no secret that the results of the pandemic and the more recent cost of living crisis have left many of us seeking alternative ways to afford the essentials, and for a lot of us that has meant extending overdraft facilities, obtaining credit cards and securing store credit options. But these multiple debts can mount in interest and become difficult to juggle, so what then?

Another Bank of England base rate rise. What does this mean for your mortgage?

Remortgages, Mortgage tips, Saving Money |

The Bank of England increased the base rate from 2.25% to 3% on Thursday 3rd November. Another base rate hike and the largest single rise since 1989. This no doubt sounds very daunting for any homeowner with a mortgage. If your current mortgage deal is looking to end in the next 12 months, you have options you can explore now and this is where we can help.

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

What do storms mean for your Home Insurance?

Home Insurance, Homeowners |

Are you aware of what storm or flood cover you have for your property? Have you checked your fine print ahead of the turbulent weather? If not, it’s worth investigating your current cover, or ensuring you renew soon with these elements factored in. Your buildings insurance should provide cover for damage caused by floodwater entering your home, be it from heavy rainfall, storms, high tide, or a river bursting its banks.

Leave a living inheritance with Equity Release

Equity Release, Homeowners |

Traditionally we leave our loved ones an inheritance to be paid to them after we’re gone, but more and more people are looking to share the funds intended for an inheritance, while they’re still around to enjoy the benefits of that gift. With equity release, homeowners over 55 could unlock some of the tax-free cash that’s tied up in their property to use in a variety of ways, including passing it on as a living inheritance

CASE STUDY: Income Protection - Sharon's story

Case Studies, Protection, Homeowners |

It can be difficult to see the reasons we may look at Income protection as a necessary expense rather than a luxury cost. But ensuring our loved ones are cared for should the worst happen, or our financial obligations are not a concern in horrible circumstances, is a priceless expense. Take a look at our Case Study video to see just how useful securing this protection for your family could be.

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.

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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