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October 2025

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.

Buildings & Contents Insurance Has Your Back

Home Insurance, Saving Money, Homeowners |

When disaster strikes, from a burst pipe, a kitchen fire, or a break-in, you need buildings and contents insurance you can trust to step in. Equally, with September starting the back-to-school season, don’t forget that contents insurance can cover valuable objects, even away from home.

Understanding Protection vs Insurance: What’s the Difference?

Protection, Wellbeing |

You may have heard the terms “Protection” and “Insurance” (like critical illness insurance and life insurance). But have you wondered what the difference is? In the world of financial planning, the terms protection and insurance often get used interchangeably, but they’re not quite the same. Here’s a quick overview, but remember, speaking with us directly will ensure you get personalised insight (and our advice is free!).

What’s Next for UK Mortgages? A Look at Today’s Market and Tomorrow’s Opportunities

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

If you're a homeowner or looking to get onto the property ladder or you are looking to remortgage, you’ve likely been keeping an eye on the headlines. And with good reason! Over the past year, the UK mortgage market has faced changing interest rates, shifting affordability criteria, and increased scrutiny from lenders. But what does all this mean for you, right now? Once you’ve read through our article, get in touch if you need more help from an advisor you can trust.

August 2025

Key Trends Shaping Mortgages, Protection & Later-Life Lending in 2025

Home Movers, First Time Buyers, Remortgages, Equity Release, Mortgage tips, Buy to Let, Homeowners |

It’s been a busy year in the finance world! Have you been reading along? We’d thought we’d break down a few changes. Here’s an overview of the current trends in mortgages, protection, insurance, and later-life lending so far:

Stay Informed: Mortgage Tips & Trends

The January Money Reset Quiz

Be honest, January arrives, the decorations come down… and suddenly the credit card statements arri...

Small Tweaks, Better Balance

January is a natural time to get organised. Budgets are under review, paperwork is being sorted, and...

A New Year Perspective: How Equity Release Could Support Your Future Goals

January is often a time for reflection and forward planning. For homeowners in later life, it can al...

Is Your Protection Still Fit for Purpose? January is the Time to Review Income & Life Cover

January is often when people take a step back and look at their finances with fresh eyes. Once the f...

Does Your Health Insurance Still Reflect Your Life Today?

January has a habit of making us take stock. New diaries, fresh plans, and a quiet promise to be a b...

New Year, New Mortgage Plan

January is often seen as the month for fresh starts. We declutter our homes, reset routines and take...

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...

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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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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