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August 2022

Don’t let the current financial climate damage your credit score

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

As we continue to battle the cost-of-living crisis, it’s easy to see the solutions damaging our credit file, impacting our future finances as well as hitting us in the pocket today. With our wages typically stagnating in comparison to the rapid climb on our outgoings, it means we’ll all have to tighten our belts that bit more as we have less disposable income at our fingertips.

CASE STUDY: Critical illness cover for your children

Case Studies, Remortgages, Mortgage tips, Protection, Homeowners |

As a parent it must be very difficult to think about your child being critically ill in the future. But it is worth considering how you would manage financially if this happened. Critical illness cover for children can help give you the reassurance that if your children were to suffer from a serious illness, you’d receive a financial helping hand.

Equity Release - Gifting to Family and Friends

Equity Release, Homeowners |

Equity release gifting is a great way to release tax-free cash from your home to help friends and family. Recent research conducted by Later Life Lender more2life reveals the true extent to which gifting via Equity Release can benefit fund recipients.

A new Bank of England base rate rise. Is now a good time to remortgage?

Remortgages, Mortgage tips, Homeowners |

August 4th saw yet another Bank of England Base Rate hike, this time to 1.75% and evidently these rises are seeing Mortgage Rates rising too. So, does this mean you should remortgage now?

July 2022

Can Equity Release help pay off your Interest-Only mortgage?

Remortgages, Equity Release, Homeowners |

During these time of financial uncertainty many homeowners with interest-only mortgages may ask themselves what would happen if they can’t pay off their mortgage at the end of the term?

First Time Buyers - Your questions answered

First Time Buyers, Mortgage tips |

Few financial decisions feel as life-changing, daunting and exciting as making the move to buy your first home – and getting good advice from the off is key to making it a positive experience. It is easy to get overwhelmed with the number of questions you need answers to, but our mortgage adviser Laura Healy shares the answers to some of the most pressing to help you on your way.

March 2021

Our most frequently asked questions on Equity Release

Equity Release, retirement, pension income, lifetime mortgage, retirement planning, mortgage advisor | Equity Release, Homeowners |

Over recent years, Equity Release has become an extremely popular way of boosting and supplementing retirement income. As one of the more misunderstood products out there, Laura Healy, Equity Release Adviser at Fairview Financial Ltd in Cheltenham, will answer some frequently asked questions on this topic.

Key benefits and risks of lifetime mortgages

Equity Release, lifetime mortgage, homeowner, retirement, pension income, mortgage advice | Equity Release |

With Equity Release, your home can be a valuable source of retirement income. Releasing equity from your home with a lifetime mortgage is a major decision not just for you but for your entire family, and it should not be entered into lightly. We have put together for you a list of the main pros and cons to consider before embarking on this journey.

Mortgage Payment Holiday – How does it work?

mortgage payment holiday, Covid-19, pandemic, mortgage payment, homeowner | Mortgage tips, Home Movers, Remortgages |

To support those who are having difficulties in making their monthly mortgage payments, a mortgage payment holiday of up to 3 months is being offered by lenders to those who have been impacted by the Coronavirus pandemic.

How is your mortgage affected by Bank England’s record low base rate cut?

Home Movers, First Time Buyers, Remortgages |

Just days after the base rate was cut to 0.25%, in the wake of the Coronavuris pandemic, Bank of England took the decision to slash the base rate again to a record low 0.10%. Find out how the base rate can affect your mortgage and what to do if you have a fixed, tracker, discounted or standard variable rate mortgage.

Stay Informed: Mortgage Tips & Trends

Is Your Home Insurance Auto-Renewal Costing You

How do you treat your insurance renewal email? It could be costing you more than you think — in som...

Unlock the Value in Your Home with Equity Release

Almost four in ten people approaching retirement are on track to have an income below the Pensions U...

The Protection Gap

Did you know most families are one crisis away from financial hardship? Unfortunately, there are som...

Could the New Government Updates Help You Buy?

The June announcement from the UK Government could be one of the most significant changes to the hom...

Could Private Medical Insurance Be the Workplace Benefit Your Team Actually Needs?

With NHS waits still running into months, more workers are asking their employers a simple question:...

A Squirrel. Taxis. And a £10 Million Budget. The Government's Plan to Get Britain Investing

Yes, this is real. Bear with me. The government has launched a financial education campaign. Which, ...

Equity Release: Why the Mortgage Market Is Changing, and What It Means for You

For most of the last century, the mortgage journey followed a fairly predictable path. You bought yo...

Does Your Home & Contents Insurance Hold Up When You Are On Holiday?

The holiday season is almost here. While you're busy booking flights and planning days out, there's ...

Don’t Let Probate Eat into Your Family's Inheritance

Nobody likes thinking about what happens when they're gone. But if you have a life insurance policy ...

What Do the Current Rates Mean For You?

With so much happening in the world right now, it can be hard to know what it all means for your mor...

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: 4 Imperial Square, Cheltenham, England, GL50 1QB.

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.

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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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