Blogs

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

Make an enquiry

Archive by category: First Time BuyersReturn

September 2022

Handy tips for First-Time Buyers giving their bank account a clean-up for their application

First Time Buyers, Mortgage tips |

Your bank statements are a crucial part of evidencing your financial stability to be able to take on a mortgage, and they say a picture paints 1000 words, but what words is your bank statement saying about you and your mortgage suitability? Here are some handy tips to help ensure your bank statements look squeaky clean before you apply for a mortgage.

August 2022

5 life insurance need to know's

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

When it comes to navigating available Life Insurance policies it can be quite the minefield! We’ve assembled a handy list of 6 things to be aware of before you start and when you’re ready, we’ll be here to help you find the most suitable policy for your needs.

What is Accidental Damage Insurance?

Home Movers, First Time Buyers, Remortgages, Home Insurance, Homeowners |

We face household accidents regularly, but that’s not to say they aren’t annoying to deal with when they happen. Many of us prefer to protect our assets and valuables just in case and while that won’t stop things getting broken, it does help during the aftermath, but what does Accidental Damage Insurance actually involve?

CASE STUDY: Are you prepared if you can no longer work?

Home Movers, First Time Buyers, Remortgages, Case Studies, Protection, Homeowners |

If you are working, what would happen to your monthly income if you suddenly lost your ability to work? Would you be able to manage without your monthly income? If you could not pay your mortgage, how long before you lose your home? How would you pay the food bills and which of your home comforts would you lose first? Can you and your family cope with this financial loss?

Don’t let the current financial climate damage your credit score

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

As we continue to battle the cost-of-living crisis, it’s easy to see the solutions damaging our credit file, impacting our future finances as well as hitting us in the pocket today. With our wages typically stagnating in comparison to the rapid climb on our outgoings, it means we’ll all have to tighten our belts that bit more as we have less disposable income at our fingertips.

July 2022

First Time Buyers - Your questions answered

First Time Buyers, Mortgage tips |

Few financial decisions feel as life-changing, daunting and exciting as making the move to buy your first home – and getting good advice from the off is key to making it a positive experience. It is easy to get overwhelmed with the number of questions you need answers to, but our mortgage adviser Laura Healy shares the answers to some of the most pressing to help you on your way.

March 2021

How is your mortgage affected by Bank England’s record low base rate cut?

Home Movers, First Time Buyers, Remortgages |

Just days after the base rate was cut to 0.25%, in the wake of the Coronavuris pandemic, Bank of England took the decision to slash the base rate again to a record low 0.10%. Find out how the base rate can affect your mortgage and what to do if you have a fixed, tracker, discounted or standard variable rate mortgage.

5 things to ask a mortgage advisor

mortgage advice, mortgage broker, mortgage advisor, financial advisor, first-time buyers, mortgage options, remortgages, buy-to-let, moving home | Mortgage tips, Home Movers, First Time Buyers, Remortgages |

Choosing a mortgage can be complicated. The mortgage market in UK is extremely competitive but lenders are also a lot more demanding now. There are so many different mortgage options to pick from and numerous factors to consider, which is why most of us turn to a mortgage broker for help. However, how do you find the right advisor for your needs? Here are some of the most important questions you need to ask when approaching a mortgage advisor.

December 2020

5 myths about bad credit and mortgages answered

bad credit, credit score, adverse credit, credit rating, mortgages, bad credit mortgages | Mortgage tips, Home Movers, First Time Buyers, Remortgages, Bad credit |

Understanding the world of mortgages can be difficult at the best of times. If you have bad credit, it’s important to remember that contrary to what you might have heard already, you can still apply for a mortgage. Let’s take a look and debunk some of the myths you might have heard.

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.