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March 2023

As mortgage rates start to come back down, how long should you fix for?

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

If you're considering fixing your mortgage term, now may be a good time to do so, with mortgage rates dropping below 4% for the first time since last September. Some of the UK's biggest banks have cut rates to offer market-leading deals for borrowers looking to remortgage, with five and 10-year deals below 4%.

February 2023

Benefits of International Private Medical Insurance

If you’re planning to move abroad, there are many things to consider, from where you’re going to live, to possibly learning a new language or finding a new job. International private medical insurance (IPMI) can help put you at ease about your health while living overseas.

Easter Holiday Money Saving Tips: Enjoy Your Break Without Breaking the Bank

Saving Money |

Easter Holidays are a time for rest and relaxation, but they can also put a strain on your finances. With the cost of travel, accommodations, food, and activities, a holiday can quickly add up. Here are some money-saving tips to help you make the most of your Easter break without breaking the bank.

Top Tips for Saving Money for Your Family's Future

Saving Money |

Saving money for the future is crucial for financial stability and security. Here are some top tips for families looking to build their savings. By following these tips, you can start building your savings today and create a more secure tomorrow.

What is ASU? Accident, Sickness and Unemployment Cover explained

Protection |

Accident, Sickness and Unemployment (ASU) Cover is an insurance policy designed to help people who are unable to work due to injury, illness, or unemployment. The policy provides financial support to help cover living expenses, such as rent or mortgage payments, utility bills, and food.

Equity Release: Unleashing the Potential of Your Home's Equity

Equity Release, Mortgage tips, Homeowners |

Equity release has gained popularity among homeowners who are in their retirement years and wish to access the equity in their home without having to sell it. The cost of living continues to increase, and inflation has hit double digits, making equity release a valuable solution for supplementing retirement income.

Unlock the Door to Homeownership: A Guide to Government - Backed Schemes for First-Time Buyers

First Time Buyers, Mortgage tips |

First-time homebuyers may find it difficult to get on the property ladder due to the high cost of the deposit. However, there are several Government-backed schemes available to help first-time buyers purchase a property.

January 2023

Tax Changes of 2023 to look out for

Home Movers, First Time Buyers, Remortgages |

News surrounding our finances and more so what happens with our finances at Government level, can be particularly confusing. We have sourced a list of tax changes coming this year so you can plan for financial changes on the horizon.

Mortgage Life Insurance. Decreasing Term vs Level Term

Protection |

When we think about life insurance, we typically think of the large cash pay outs should the worst happen, but a mortgage life insurance product is created specifically to cover the outstanding mortgage should those events unfold.

Can you remortgage with bad credit?

Remortgages, Mortgage tips, Bad credit |

While having bad credit can certainly make it more difficult to get a mortgage, it’s not impossible. When you have a poor credit history, you are more limited on which mortgage deals you can access, in turn this can lead to more costly options.

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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...

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.

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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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