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November 2023

Autumn Statement: 95% Mortgage Guarantee Scheme has been extended

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

As part of their Autumn Statement, the Government announced that the 95% Mortgage Guarantee Scheme has been extended until the end of June 2025. The scheme incentivises lenders to help both first-time buyers and current homeowners to purchase properties up to £600,000 with a 5% deposit. It can be used for mortgages on both new build and existing homes by first-time buyers, home movers and those remortgaging.

Myth busting: Conditions Brits don’t think are insurable

Protection |

Many Brits assume certain health conditions make you uninsurable. But in reality, there are few illnesses that automatically disqualify you from getting life, health, or disability insurance in the UK. Here are some common myths:

Why the need for money from our homes in retirement is changing

Equity Release, Homeowners |

When it comes to money tied up in your home and unlocking this, there are a range of reasons why Lifetime Mortgages are the avenue older borrowers choose. Even though some of the uses for Later Life Lending can be home improvements, offering cash support to family members or going on a dream holiday, in 2022, the main reason equity was released from homes was to clear existing mortgages.

A glimmer of hope for prospective homebuyers

Home Movers, First Time Buyers, Remortgages, Equity Release, Saving Money, Homeowners |

The headlines this year have been dominated by rising mortgage rates, which has made it quite overwhelming for many people managing their monthly mortgage payments, along with the ongoing cost of living crisis. Nevertheless, there's some positive news on the horizon...

October 2023

Scarily good money saving tips this Halloween

Saving Money |

Halloween is just around the corner, and while it's a spooktacular time for children, it can also be a frightful hit to your wallet. But fear not! With a bit of creativity and some clever planning, you can enjoy all the thrills of Halloween without breaking the bank. Here are some tips to help you save money this Halloween:

Burglary rises when the clocks go back: is your home at risk?

Homeowners |

Burglary statistics reveal a strange fact. Each time the clocks go back one hour for Daylight Saving Time (DST), the number of break-ins increases by one-third. Most home insurance policies will cover you if your home is burgled, but there are limitations which could lead to your claim being rejected. Some of the scenarios that may catch you out include...

Myth busting: Private medical insurance

Protection |

In today's rapidly changing world, health and well-being have become paramount concerns for individuals and families alike. Ensuring access to quality healthcare is a fundamental need, and one way to achieve this is through private medical insurance (PMI). However, PMI often carries with it a fair share of misconceptions and myths.

Caste study: Using Equity Release to gift a house deposit

Equity Release, Case Studies, Homeowners |

One of the options for homeowners aged 55 or over, who want to give children or grandchildren money to buy a home, is to consider releasing equity from their own property. Equity release could allow you to give them their inheritance early, offering you the chance to see this money being put to use when it is needed.

5 reasons why you should consider income protection

Protection |

Life is unpredictable and we never know what’s around the corner. With this in mind, have you thought about what would happen to you or your loved ones if you couldn’t work due to illness or an accident which resulted in a loss of earnings?

A spotlight on green mortgages

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

In recent years, there has been a growing global awareness of the need to combat climate change and reduce our carbon footprint. As part of this initiative, various sustainable financial products have emerged, one of which is the green mortgage.

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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.

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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.