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Archive by category: Equity ReleaseReturn

September 2022

Equity Release - could you release funds to help family with the cost-of-living crisis?

Equity Release, Homeowners |

While the cost-of-living crisis rages on, many of us are looking at ways we can tighten our belts.If you’re over 55, you could potentially help yourselves and your loved ones as they face the increasing costs too. You could have money locked up in the equity in your home that could help you relieve the pressures of soaring bills. Releasing the equity in your home could offset some of your outgoings and the loan is only repaid upon your passing or admittance to long term care, where your pr...

August 2022

CASE STUDY: The rise of the “Silver Splitters”

Equity Release, Home Movers, Mortgage tips, Case Studies |

While many of us may have become incensed by or frustrated with our spouses during the last two years’ increased time at home, many have also felt the need to file for divorce. In fact, the latest ONS data has revealed that in the over 65s, there has been a 46%* Year on Year increase in the number of those obtaining a divorce.

Equity Release - Gifting to Family and Friends

Equity Release, Homeowners |

Equity release gifting is a great way to release tax-free cash from your home to help friends and family. Recent research conducted by Later Life Lender more2life reveals the true extent to which gifting via Equity Release can benefit fund recipients.

July 2022

Can Equity Release help pay off your Interest-Only mortgage?

Remortgages, Equity Release, Homeowners |

During these time of financial uncertainty many homeowners with interest-only mortgages may ask themselves what would happen if they can’t pay off their mortgage at the end of the term?

March 2021

Our most frequently asked questions on Equity Release

Equity Release, retirement, pension income, lifetime mortgage, retirement planning, mortgage advisor | Equity Release |

Over recent years, Equity Release has become an extremely popular way of boosting and supplementing retirement income. As one of the more misunderstood products out there, Laura Healy, Equity Release Adviser at Fairview Financial Ltd in Cheltenham, will answer some frequently asked questions on this topic.

Key benefits and risks of lifetime mortgages

Equity Release, lifetime mortgage, homeowner, retirement, pension income, mortgage advice | Equity Release |

With Equity Release, your home can be a valuable source of retirement income. Releasing equity from your home with a lifetime mortgage is a major decision not just for you but for your entire family, and it should not be entered into lightly. We have put together for you a list of the main pros and cons to consider before embarking on this journey.

Latest Blog

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...

Should you use equity release to pay off your mortgage?

Should you use equity release to pay off your mortgage? Are your repayments stopping you from saving...

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...

Did you know you can use equity release for private school fees?

Have you been saving and working hard to provide your children or grandchildren with the best educat...

What is Spear Phishing?

Though it may sound like a thrilling way to catch fish, Spear Phishing is far from exciting—and def...

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...

Can a lifetime mortgage help your growing family?

Congratulations on becoming a grandparent! Equity release can be a way to access value tied up in yo...

How to use Equity Release to buy a new home

If you’re 55+ and have been eyeing up your dream home but aren't sure how you'll be able to afford ...

A wedding of a lifetime, covered by equity release

Did you know you can use equity release for gifting? Also known as a lifetime mortgage, you can help...

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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