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Archive by category: Home MoversReturn

June 2024

What insurance do you need in place to buy a home?

Home Movers |

You’ve secured your pre-approval and found your new home. But have you got your insurance in place? There is no legal requirement to take out insurance when you get a mortgage except for Buildings Insurance. But basic insurance is still needed before you move in! At the minimum, your lender will want to see Building Insurance. After all, it’s their investment, too.

April 2024

What is a mortgage holiday? And is it worth it?

Home Movers, Remortgages, Mortgage tips, Homeowners |

A mortgage holiday might sound intriguing. But firstly, it's for those experiencing temporary financial difficulty. We investigate some reasons you may need one. Plus, essential factors you need to consider.

Spring Budget 2024 summary: what are the key takeaways?

Home Movers, First Time Buyers, Remortgages, Homeowners |

On the 6th March, the Chancellor of the Exchequer, Jeremy Hunt, delivered his Spring Budget for 2024. This speech saw the announcement of some new taxes and adjustments to existing taxes. We also saw changes to several economic policies. In our summary, we look into how this budget might affect you. Here’s some key takeaways for you.

March 2024

What is a ‘stress test' and how does it work?

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

Are you coming to the end of a fixed rate mortgage or have your circumstances changed? For example, a new baby or job? We do a deep dive into one of the more complex concepts of mortgages and why your circumstances might affect them. Have you heard of ‘stress tests’ before? Introduced in 2014, stress tests, aka an ‘income test’, are an important part of the mortgage process.

February 2024

Looking to remortgage? Tips to help you navigate the current mortgage market

Home Movers, Remortgages, Mortgage tips, Homeowners |

We understand that the current challenges we are all facing in light of the cost of living squeeze and the rise in interest are causing concerns for many homeowners. If your current mortgage deal is looking to end in the next 12 months, you have options you can explore now.

January 2024

Make your mortgage review a priority in 2024

Home Movers, Remortgages, Mortgage tips, Saving Money |

For most of us, our home loan represents one of the most significant financial commitments of our lifetimes, yet too few people review their mortgage regularly. If that’s you, don’t delay any longer – an overhaul of your mortgage could unlock significant savings, enable property improvements as your life changes, or give you an opportunity to move home. If your current mortgage deal is looking to end in the next 12 months, you have options you can explore now.

Financial New Years’ Resolutions

Home Movers, First Time Buyers, Homeowners |

2023 undoubtedly wreaked havoc with many of our finances with the cost-of-living expenses rising and interest rates causing uncertainty in the mortgage market. So, with a New Year now underway, it isn’t too late to set your financial goals to help combat the ongoing cost increases. Check out our handy list of 10 Financial New Year’s Resolutions that could help shape your finances for 2024.

December 2023

How to sell your home over Christmas

Home Movers |

The festive season may not be the most conventional time to sell your home, but it can actually be a great opportunity to attract motivated buyers and create a warm and inviting atmosphere. If you're planning to put your home on the market this month, here are some top tips to help you successfully make a sale.

November 2023

Autumn Statement: 95% Mortgage Guarantee Scheme has been extended

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

As part of their Autumn Statement, the Government announced that the 95% Mortgage Guarantee Scheme has been extended until the end of June 2025. The scheme incentivises lenders to help both first-time buyers and current homeowners to purchase properties up to £600,000 with a 5% deposit. It can be used for mortgages on both new build and existing homes by first-time buyers, home movers and those remortgaging.

A glimmer of hope for prospective homebuyers

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

The headlines this year have been dominated by rising mortgage rates, which has made it quite overwhelming for many people managing their monthly mortgage payments, along with the ongoing cost of living crisis. Nevertheless, there's some positive news on the horizon...

Latest Blog

Health Insurance and Buying a New Home: Why They Go Hand in Hand

Buying a new home is an exciting milestone but also a significant financial commitment. While health...

Selling this spring? Top tips to get your house ready for sale!

Firstly, let’s ask, how does your house look from the street? First impressions are so important wh...

What insurance do you need to buy a home?

Are you buying a home in 2025? You’ve sorted out your finances, found the perfect home to buy, and ...

Protecting Your Family’s Financial Security with Life Insurance

When you buy a new home, you're often making one of the largest financial commitments of your life. ...

Can I use equity release to buy a new home?

Whether you are looking to purchase a new home to move into or purchase a property for a family memb...

How technology is shaping the future of general insurance

From AI-driven claims processing to integrating Internet of Things (IoT) devices for personalised co...

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...

2024 Autumn Budget

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

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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