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January 2025

What is probate and could it affect a life insurance claim?

Protection, Homeowners |

A grant of probate is sometimes needed when valuable assets, such as property and shares, are left in a will. It's a process that ensures the instructions in a will can be followed. It's a lengthy legal proceeding before the courts to settle wills. A grant of probate is sometimes needed when valuable assets, such as property and shares, are left in a will.

Manage cash flow by leveraging your equity

Equity Release, Mortgage tips, Homeowners |

Loading up the credit card is something we see all too often. But have you thought of leveraging the equity in your property? We can work with you to unlock your equity by consolidating your debt. Paying it down at much lower interest rates. Here's some more information below to see if equity release is the best option for you.

Are you one of the married couples due up to a £1,000 tax rebate?

Saving Money |

With over 24 million people in the UK tying the knot, did you know you might be due a tax rebate possibly of over a £1000? It's claimed via the Marriage Tax Allowance, and currently, two million British married couples are not claiming when they could be. It's a tax refund and depends on how much you earn.

Let’s take a closer look at secured loans to clear debt

Remortgages, Mortgage tips |

Have you heard of a secured loan before? It is a loan that uses an asset as collateral. This means the lender can take the asset you nominate if you can’t repay the loan. If you face a lot of credit card debt after the holidays, a secured loan can be a good way to consolidate the debt into one easy repayment. Secured loans may allow borrowers to enjoy lower interest rates, presenting a lower risk to lenders.

December 2024

Five easy ways to save money this festive season

Saving Money |

The festive season can bring all sorts of financial stress. But with these tips, we hope you can take the stress out of it and enjoy the precious time with your family.

With insurance premiums on the rise, is your policy up to date?

Home Insurance, Protection, Saving Money, Homeowners |

With insurance premiums increasing, it’s a great time to review your policy. Did you know that if you contact us, we may be able to find you a cheaper deal? Or even, we might be able to find you more benefits for the same fee. That’s one of the advantages of going through an advisor. We can find you a policy that suits your specific needs and budget.

How much equity can I release with a lifetime mortgage?

Equity Release, Homeowners, Mortgage tips |

A lifetime mortgage is a type of equity release. In simple terms, it’s a loan secured against the value of your home that allows you to release tax-free cash without needing to move out. You retain ownership, can still live in the property, and it doesn’t need to be repaid until you die or move into long-term care.

Unlock extra benefits with your health insurance

Wellbeing |

Let’s dive into unlocking extra private health insurance benefits. Such as a second opinion on a major diagnosis or round-the-clock doctor access. Plus, you’ll have the support of expert therapists for your physical and mental well-being.and advice.

Income protection to benefit the whole family

Protection, Homeowners, Wellbeing, Saving Money |

Income protection is a policy that will cover you financially if you can’t work due to sickness, injury, or disability. Did you know that in an ideal world, everyone in the family will benefit from full coverage?

Myth-busting mortgage hurdles

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

Here are common mortgage myths debunked to help you navigate the home-buying process confidently. Chat with us to go into these in detail and for advice specific to your circumstances.

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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