Call us
01242 697821

Blogs

Keep up to date with the latest news and our guides on all things mortgages. 

Unlocking energy efficiency: Enhance your home with a lifetime mortgage

In a world where energy bills are rising faster than ever, finding ways to make your home more energy-efficient has become a priority for homeowners. The good news is that a lifetime mortgage can provide a unique opportunity to not only enhance your property's energy efficiency but also improve your overall quality of life. Let's explore how this financial solution can pave the way to a greener, more sustainable future for your home.

The energy challenge:

Rising energy costs are a concern for many households, putting pressure on monthly budgets and impacting the environment. From heating and cooling to lighting and appliances, our homes account for a significant portion of our energy consumption. This is where the concept of energy-efficient improvements comes into play – taking steps to reduce energy usage, lower bills, and minimise our carbon footprint.

Enter a lifetime mortgage:

A lifetime mortgage offers homeowners aged 55 and above the opportunity to tap into the value of their property without the need to sell or move out. This flexible financial solution allows you to release a portion of your home's equity as a lump sum or in smaller amounts, giving you the freedom to invest in various improvements, including those aimed at boosting energy efficiency.

Transforming your home:

Here are some ways you can utilise a lifetime mortgage to enhance your property's energy efficiency:

Double glazed windows: Replacing old, single-pane windows with double glazed ones can significantly reduce heat loss, keeping your home warmer in the winter and cooler in the summer. This upgrade not only enhances energy efficiency but also adds value to your property.

Improved insulation: Proper insulation is key to maintaining a comfortable indoor temperature while minimising the need for excessive heating or cooling. A lifetime mortgage can fund insulation upgrades for walls, roofs, and floors, leading to substantial energy savings.

Boiler upgrades: A modern, energy-efficient boiler can dramatically cut your heating bills and decrease carbon emissions. A lifetime mortgage can cover the costs of upgrading to a more eco-friendly heating system.

Renewable energy installations: Consider using a lifetime mortgage to invest in renewable energy sources such as solar panels or heat pumps. These installations harness natural resources to power your home and can generate cost savings over time.

Benefits beyond savings:

Enhancing your home's energy efficiency through a lifetime mortgage isn't just about reducing bills. It's an investment in a more comfortable and sustainable lifestyle. A more energy-efficient home often translates to improved indoor comfort, better air quality, and a smaller ecological footprint – all of which contribute to a higher quality of life for you and your family.

Before embarking on any home improvement project, it's essential to consult with professionals who specialise in energy-efficient upgrades and lifetime mortgages. They can help you assess your options, create a tailored plan, and ensure that the enhancements you make align with your long-term financial goals.

In a world where every small change counts, using a lifetime mortgage to enhance your home's energy efficiency is a smart step toward a greener future. Not only could you enjoy the immediate benefits of lower energy bills and increased comfort, but you'll also contribute to a more sustainable world for generations to come.

Get in touch today to explore how a lifetime mortgage can pave the way to a greener, more sustainable future for your home.

SPEAK TO AN ADVISER

This is a lifetime mortgage. to understand the features and risks, 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.

Related

Is your family protected? How to ensure your protection policies keep up with life changes

Is your family protected? How to ensure your protection policies keep up with life changes

Changing jobs can be an exciting time, but it's important to remember that it can also impact yo...

Read More >
Recently divorced or separated? Is your insurance up to date?

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

If you're going through a divorce or separation, updating your insurance policies is a necessary...

Read More >
How to reduce risks when taking out a lifetime mortgage

How to reduce risks when taking out a lifetime mortgage

So, you’ve heard of lifetime mortgages, and you are at a stage in life when your finances need a li...

Read More >
CASE STUDY: Income Protection - Sharon's story

CASE STUDY: Income Protection - Sharon's story

It can be difficult to see the reasons we may look at Income protection as a necessary expense rathe...

Read More >
A new Bank of England base rate rise. Is now a good time to remortgage?

A new Bank of England base rate rise. Is now a good time to remortgage?

August 4th saw yet another Bank of England Base Rate hike, this time to 1.75% and evidently these ri...

Read More >
How does your gender affect health?

How does your gender affect health?

Are you looking for a health insurance policy? We’ve looked at the research and there are some dif...

Read More >

What our clients say...

Latest Blog

Your Guide to Medical Underwriting

Let’s be honest, insurance can often feel a bit overwhelming when going through the fine print! Whe...
Read More

When Might an Insurer Not Pay a Claim?

We often get asked, when might an insurer not pay a claim? I understand how frustrating it can be wh...
Read More

Have You Heard of the Term ‘Mortgage Prisoners’?

If you’re a homeowner in the UK, you might have heard the term “mortgage prisoner” being thrown a...
Read More

Life Cover Isn’t a Nice Option to Have - It's Essential

Life is unpredictable, and the thought of what would happen to your loved ones if you were no longer...
Read More

Why It Pays to Speak to a Mortgage Broker Six Months in Advance

When it comes to buying a property or remortgaging in the UK, most people don’t think about mortgag...
Read More

Top tips: How to Boost your Income

We’ve scoured the internet and swapped tips around the office to find simple (and sometimes a bit c...
Read More

Health Insurance Isn’t Just for Emergencies

When people think of private health insurance, they often imagine it’s only there for the big stuff...
Read More

How Homeowners Over 55 Can Fund Their Garden Retreats

Over the past few years, many homeowners have discovered the value of creating dedicated spaces in t...
Read More

Buildings & Contents Insurance Has Your Back

When disaster strikes, from a burst pipe, a kitchen fire, or a break-in, you need buildings and cont...
Read More

Understanding Protection vs Insurance: What’s the Difference?

You may have heard the terms “Protection” and “Insurance” (like critical illness insurance and l...
Read More


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

Our Fees        

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.


  • Back to top