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Archive by category: HomeownersReturn

December 2024

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.

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.

November 2024

Do you need joint life insurance?

Protection, Homeowners, Wellbeing, Home Movers, First Time Buyers, Remortgages |

Have you ever wondered whether you and your partner should be on one single life insurance policy? Or should you each have your own? In this article, we go into joint life insurance options.

A look at the new renter’s reform bill and buy-to-let mortgages

Mortgage tips, Buy to Let, Homeowners |

The government recently published the Renters Rights Bill to Parliament. Here are some of the proposed new rules :

2024 Autumn Budget

Home Movers, First Time Buyers, Remortgages, Homeowners |

Let’s go through one of the biggest tax-raising Budgets in history. With the new government underway, our current Chancellor Rachel Reeves announced the 2024 Autumn Budget set to increase taxes by £40 billion—we haven’t seen one this big for over twenty years! There is a lot to discuss.

October 2024

Take the worry out of insurance with a broker

Home Insurance, Protection, Saving Money, Homeowners, Wellbeing |

An insurance broker is a professional ‘middle-person’ working independently. The benefits are almost endless. The main one is that you no longer have to deal with insurance companies! Think about the time savings and risk management advice. Plus, personalised service you'll receive…

Use Equity Release to get your house ready for winter

Equity Release, Homeowners |

With winter approaching, are you asking whether your home needs a toasty update? If you are over 55, using equity in your home could be an option. Using our tips, you could keep your house warmer. And save on energy bills! It’s a win-win. We go through some simple changes you can make to your home to keep it warmer. And equity release plans you might be able to use.

Update: Bank of England base rate

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

In August, The Bank of England cut interest rates to 5% from 5.25%. The first drop in rates since the first Covid lockdown in March 2020. September announced a hold at 5% too. This will affect millions of people's mortgage, credit card, and savings rates. But borrowing costs are still high.

Latest Blog

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

With insurance premiums increasing, it’s a great time to review your policy. Did you know that if y...

How much equity can I release with a lifetime mortgage?

A lifetime mortgage is a type of equity release. In simple terms, it’s a loan secured against the v...

Income protection to benefit the whole family

Income protection is a policy that will cover you financially if you can’t work due to sickness, in...

Myth-busting mortgage hurdles

Here are common mortgage myths debunked to help you navigate the home-buying process confidently. Ch...

Do you need joint life insurance?

Have you ever wondered whether you and your partner should be on one single life insurance policy? O...

A look at the new renter’s reform bill and buy-to-let mortgages

The government recently published the Renters Rights Bill to Parliament. Here are some of the propos...

2024 Autumn Budget

Let’s go through one of the biggest tax-raising Budgets in history. With the new government underwa...

Take the worry out of insurance with a broker

An insurance broker is a professional ‘middle-person’ working independently. The benefits are almo...

Use Equity Release to get your house ready for winter

With winter approaching, are you asking whether your home needs a toasty update? If you are over 55,...

Update: Bank of England base rate

In August, The Bank of England cut interest rates to 5% from 5.25%. The first drop in rates since t...

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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