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July 2025

Accessing Capital: Comparing Equity Release, Loans, and Remortgages

Equity Release, Mortgage tips, Homeowners |

Are you looking to take a dream holiday this summer? Or do you have plans to get the garden ready to enjoy the sun? Whether you want to renovate your home, support your family, or manage debts, there are several ways to release money from your property. This fact sheet breaks down three common options. Plus, we’ve included real-life examples to help you understand how each one works.

Not All Income Protection Is Equal – Here’s Why

Protection, Saving Money |

Life can be unpredictable, and depending on your line of work, if illness or injury stops you from working, your income can change overnight. That’s where income protection insurance comes in. Offering a financial safety net when you need it most. We are specialised in helping people with income protection. We’re here to help – give us a ring and let’s talk through your options.

Don’t Let a Bargain Policy Leave You Uncovered

Home Insurance, Protection |

When it comes to buying insurance, whether for your car, home, health, or income, it’s tempting to focus on price. After all, who doesn’t want to save money? But while a cheaper premium may look appealing upfront, it could cost you far more in the long run. if the policy doesn’t do what you need it to. Equally, by chatting with an advisor, you’ll ensure you’ll end up with the right policy for you and your needs.

Stamp Duty Changes: What Homebuyers Need to Know

Home Movers, First Time Buyers, Remortgages |

If you're planning to buy property in England or Northern Ireland, there’s some big news you should know about. As of April 1, 2025, the temporary Stamp Duty relief introduced back in 2022 has officially ended, and several major changes are now in effect.

June 2025

How can a critical illness insurance policy help

Protection, Wellbeing |

Did you know that critical illness insurance can provide an extra security net? Waiting times for elective surgery within the NHS have significantly worsened in recent years. COVID-19 had a deep and lasting impact on access to care. NHS England alone recorded over 7.5 million people on waiting lists as of late 2024.

Avoid NHS waiting times with private medical insurance

Wellbeing |

Did you know private health insurance can provide an essential safety net? You’ll be able to access treatment faster, bypassing waiting lists. One monthly fee or an annual payment will reduce financial stress by covering the high costs of surgery, diagnostics, and hospital care. And you’ll have the choice of specialists and hospitals to suit your needs. Plus, comprehensive support for high-value claims, such as cancer treatment.

Using Equity Release for Home Improvements or Care Needs

Equity Release, Homeowners |

As you approach the ‘Golden Years’, are you considering whether to stay at home or move into care? Can you afford to do this without selling your home? Equity release for home improvements or aged care is a popular choice for many older homeowners as they look for ways to stay at home for longer and improve the quality of life in retirement.

Insuring a Heritage Property? What You Need to Know

Home Insurance |

There is a lot of love for those beautiful older houses, from the Tudor era to the popular Edwardian terraces. But it’s important to remember, insuring older or historic homes (especially listed buildings) requires special policies. When comparing new build vs. historic (or older) homes for home insurance in the UK, you need to weigh up the costs and factors. Insurers assess risk based on the age, construction materials, and condition of a property. Directly impacting your premiums, coverage ...

Remortgaging This Year? Fixed vs Variable Rates

Remortgages, Mortgage tips |

Do you hold one of the fixed rate COVID-era mortgages coming to an end this year? Unfortunately, the rate has risen significantly since then. We can’t offer generalised advice without understanding your situation in detail. So contact us for personalised help. Remember, we are here to help. We’ve seen it all before, and our specialised and expert knowledge is here to be utilised — before you get stuck facing a large interest rate hike.

May 2025

How to restart your budget ahead of summer!

Saving Money, Wellbeing |

With the sun on our faces and the right approach to your end-of-summer spending, you can achieve your warm-weather wants on an ice-cream budget. Here’s how to get that summer bank balance set-up for a great year ahead, from clever budget ideas to easy ways to reduce your expenses.

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.

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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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