Blogs

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

Make an enquiry

Archive by category: HomeownersReturn

December 2022

New Year, New Home? What it means to port your mortgage to a new property

Home Movers, Mortgage tips, Homeowners |

Have you outgrown your home? Relocating to a different area? Perhaps you’re looking to downsize? No matter the reason, 2023 could be the year of the New Home for you and your family.

Debt consolidation - ease the burden of financial outgoings

Mortgage tips, Saving Money, Homeowners |

While we’re not quite at Christmas yet, many of us will have made a big dent in our Christmas shopping to do list, but at what expense? Budgets this year are significantly tighter for many households, and many will have turned to borrowing via credit cards, store credit and loans to afford the lifestyle they enjoyed previously. But what if the debts are growing and you’re unsure how you’ll look to repay them in the new year?

November 2022

CASE STUDY: Over 50 but too young for equity release – what are the options?

Remortgages, Equity Release, Mortgage tips, Case Studies, Homeowners |

People over the age of 50 often find it difficult to get a mortgage because many lenders will not take future income, such as pensions, into account. But some lenders do, in particular those who offer retirement interest-only mortgages. Our case study shows how a retirement interest-only mortgage may be a viable, affordable and the right option in later life.

Secured loans – Defeat the debts

Remortgages, Mortgage tips, Bad credit, Homeowners |

It’s no secret that the results of the pandemic and the more recent cost of living crisis have left many of us seeking alternative ways to afford the essentials, and for a lot of us that has meant extending overdraft facilities, obtaining credit cards and securing store credit options. But these multiple debts can mount in interest and become difficult to juggle, so what then?

Our MD and adviser Luke talking about mortgages and interest rates rises on the BBC HEREFORD & WORCESTER Radio Breakfast show

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

There is a lot of talk in the media about mortgage rates. It is true that some rates have increased but it is also true that many lenders have dropped their rates in the last couple of weeks although you will find this less reported in the media. If you are looking to buy a house or remortgage, a mortgage broker can help you navigate this turbulent market and find you options to help keep costs down. Fairview Financial are still helping clients every day because,- despite the BOE rate increas...

October 2022

What do storms mean for your Home Insurance?

Home Insurance, Homeowners |

Are you aware of what storm or flood cover you have for your property? Have you checked your fine print ahead of the turbulent weather? If not, it’s worth investigating your current cover, or ensuring you renew soon with these elements factored in. Your buildings insurance should provide cover for damage caused by floodwater entering your home, be it from heavy rainfall, storms, high tide, or a river bursting its banks.

Leave a living inheritance with Equity Release

Equity Release, Homeowners |

Traditionally we leave our loved ones an inheritance to be paid to them after we’re gone, but more and more people are looking to share the funds intended for an inheritance, while they’re still around to enjoy the benefits of that gift. With equity release, homeowners over 55 could unlock some of the tax-free cash that’s tied up in their property to use in a variety of ways, including passing it on as a living inheritance

CASE STUDY: Income Protection - Sharon's story

Case Studies, Protection, Homeowners |

It can be difficult to see the reasons we may look at Income protection as a necessary expense rather than a luxury cost. But ensuring our loved ones are cared for should the worst happen, or our financial obligations are not a concern in horrible circumstances, is a priceless expense. Take a look at our Case Study video to see just how useful securing this protection for your family could be.

Your mortgage options - we're still here to help

Remortgages, Mortgage tips, Homeowners, Saving Money |

The news around mortgage rates and deal availability has no doubt been heard by you and your loved ones, but are you worrying? Our role is to help you avoid worry and stress surrounding these headlines. It is important to remember that a lot of these headlines are often misleading and do not paint an accurate picture of the market right now. While it may feel uncertain it’s important to understand that these situations are often temporary and not without solutions.

September 2022

Energy bills - what to do if you’re struggling

Saving Money, Homeowners |

Despite the Prime Minister's recent announcement that energy bills will be capped at £2,500 annually this is almost double last year’s £1,277* average. Many of us could still be struggling with that upsurge in costs so what can you do if they’re just unmanageable? Check out our top ten tips on what to do if you’re struggling to afford your energy bills.

What our clients say...

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

Quick Links

First Time Buyers

Home Movers

Remortgages

Equity Release

Blog
Meet the Team

Contact Us

Privacy Policy

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.