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April 2025

How does your gender affect health?

Wellbeing |

Are you looking for a health insurance policy? We’ve looked at the research and there are some differences to keep in mind depending on your gender. One study by Vitality noticed that less than 25% of women hit their exercise target. Whereas more men in the workplace are calling for increased mental health support.

Your monthly equity release update

Equity Release |

New research shows that people over the age of 55 are increasingly choosing to release equity in their homes to release funds for purchases like luxury holidays. We are seeing equity release loans taken out in the UK more than doubled during a ten-year period. Are you looking to take the holiday of a lifetime while you still can ? If you’d prefer to not use unsecured debt or savings, chat with us today about equity release and lifetime mortgages.

Expect the unexpected: Critical Illness Protection for the whole family

Protection, Wellbeing |

Did you know Critical Illness Protection is important for the whole family? Not just the main earner? For example, we consider one heartbreaking example of why you should have a Critical Illness Policy in place for everyone in the family…

Recently divorced or separated? Is your insurance up to date?

Protection |

If you're going through a divorce or separation, updating your insurance policies is a necessary step. We understand it must be a hard time, full of emotions. Let us take the pain out of your insurance needs. If you’d like to take a read through the following and see what applies, give us a call or email and we can manage the rest. A perfect spring-cleaning step for a brighter future.

Why a specialist can save your mortgage

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

In our post-pandemic world, we are seeing lots of changes for the needs of borrowers! Do you need specialist help? Reach out, and we’ll help you get organised and secure your new mortgage! For those still benefiting from low mortgage rates, many homeowners have chosen to take a second charge rather than remortgage, say for debt consolidation and home improvements.

Key Changes to Stamp Duty

Home Movers, First Time Buyers |

As of April 1, 2025, significant changes to the UK's Stamp Duty Land Tax (SDLT) have come into effect, impacting homebuyers across England and Northern Ireland. These adjustments mark the end of the temporary measures introduced in September 2022 and a return to previous thresholds.

March 2025

Here are some tips for managing bills and finances when you don’t have a regular income

Saving Money |

Managing money and bills self-employed can feel like a juggling act. Especially since you don't have steady pay or the automatic deductions for things like taxes and national insurance. However, with the right systems in place, you can stay on top of your finances and ensure everything is paid on time. Here are some tips we’ve loved that can help take the hassle out of bills and finances.

Look after your health to ensure you are ready to work

Wellbeing |

Is equity release available for the self-employed?

Equity Release, Homeowners |

Are you self-employed, retired, or unemployed and looking for equity release? Are you wondering if you are eligible? The short answer is yes! As you will need an advisor for equity release, we can go through all the details. Depending on your situation, it may get a little complicated. But we are here to help!

Why income protection & critical illness cover are extra important for the self-employed

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

If you're self-employed in the UK, income protection and critical illness cover are extra critical. You don’t have the safety nets that employees do. Like statutory sick pay (SSP), employer sick leave, or workplace health benefits. But of course, no matter your employment status, income protection and critical illness cover add extra support when you need it most.

Stay Informed: Mortgage Tips & Trends

When Your Health Insurance Policy Is Due for Renewal – And What Happens Next

In the UK, most private health insurance policies renew annually, usually on the anniversary of your...

Heading Away this Winter? Protect Your Home and Car While You’re Gone

Are you one of the lucky ones heading abroad this winter? Whether for a skiing trip or basking in so...

Gifting A First-Time Buyer? Maybe Equity Release Will Help

You might have heard of equity release, but did you know it’s a practical and increasingly common w...

Why Protecting Income Matters More Than Ever

We read something shocking recently. Recent figures show that around 40% of UK adults have less than...

What Does the Change In Base Rate Mean for Your Mortgage In 2026?

As of early 2026, the base rate has been cut to around 3.75%. It’s the lowest it’s been in nearly ...

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...

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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