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Archive by category: Mortgage tipsReturn

July 2023

How to fund a home reno

Remortgages, Mortgage tips |

Whether you're dreaming of a modern kitchen, a luxurious bathroom, or expanding your living space, funding your home renovation project can be a challenge. However, there are two options worth considering: applying for a further advance or applying for a remortgage.

Supporting you through the cost of living squeeze and rising interest rates

Home Movers, Remortgages, Mortgage tips, Saving Money, Homeowners |

We understand that the current challenges we are all facing in light of the ongoing cost of living squeeze and the rise in interest may be causing some concerns and uncertainties, but we want to assure you that we are here to help and support you during these times. Our main goal is to ensure your financial well-being and assist you in navigating through any changes in the market. We understand that the increased cost of living, coupled with rising interest rates, can have a significant impact o...

June 2023

Using equity release to fund private healthcare

Remortgages, Equity Release, Mortgage tips, Homeowners |

As we age, our healthcare needs tend to become more complex and expensive. Our ability to work and earn a stable income may decline, leaving us struggling to pay for healthcare expenses. This can be particularly challenging for those who need long-term or specialised care. Why should looking after yourself stop just because you have got older?

May 2023

Looking to reduce your expenses and free up equity, is downsizing really an option for you?

Home Movers, Equity Release, Mortgage tips, Homeowners |

Are you looking to reduce your expenses and free up equity but believe the only option is to simplify your living space by moving to a smaller property? Recent research suggests that you're not alone in considering downsizing. BUT, strong ties to your community and the security of familiar surroundings may lead you to thinking there are other options.

What is a Second Charge Mortgage?

Remortgages, Mortgage tips, Saving Money |

Are you struggling to make ends meet in the face of the ongoing cost-of-living crisis? Are you looking for a way to raise funds but hesitant to remortgage and lose your favourable interest rate? If so, a Second Charge Mortgage could be the answer you’re looking for.

April 2023

Is this you? Mortgage case studies

First Time Buyers, Remortgages, Mortgage tips, Case Studies, Buy to Let |

Meet John, a 28-year-old working professional who has just landed his dream job in Bedford. He has been renting a flat for the past five years and is ready to step on the property ladder. John has saved £25,000 and has a good credit score. He is looking for a mortgage to purchase a two-bedroom flat in Bedford. How can we help with his mortgage?

I’m over 55, do I choose Equity Release or a Retirement Interest Only Mortgage?

Home Movers, Equity Release, Mortgage tips, Homeowners |

Retirement can be a time of great excitement, but also of uncertainty. One of the biggest financial challenges facing many people over the age of 55 is how to access the equity they have built up in their homes to fund their retirement. There are two main options available to homeowners in the UK: Retirement Interest Only Mortgages (RIOs) and Equity Release Lifetime Mortgages (ERLMs). Both of these products can be used to release equity from your home, but they work in very different ways.

March 2023

As mortgage rates start to come back down, how long should you fix for?

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

If you're considering fixing your mortgage term, now may be a good time to do so, with mortgage rates dropping below 4% for the first time since last September. Some of the UK's biggest banks have cut rates to offer market-leading deals for borrowers looking to remortgage, with five and 10-year deals below 4%.

February 2023

Equity Release: Unleashing the Potential of Your Home's Equity

Equity Release, Mortgage tips, Homeowners |

Equity release has gained popularity among homeowners who are in their retirement years and wish to access the equity in their home without having to sell it. The cost of living continues to increase, and inflation has hit double digits, making equity release a valuable solution for supplementing retirement income.

Unlock the Door to Homeownership: A Guide to Government - Backed Schemes for First-Time Buyers

First Time Buyers, Mortgage tips |

First-time homebuyers may find it difficult to get on the property ladder due to the high cost of the deposit. However, there are several Government-backed schemes available to help first-time buyers purchase a property.

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...

Myth-busting mortgage hurdles

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

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...

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...

Let’s get you on the property ladder with these tips!

We can help you get on the property ladder. Feel free to call us today to see what we can do for you...

Stuck in debt?

With everyone feeling the pinch due to the cost-of-living crisis, it can be tempting to rely on cred...

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...

Is it time to remortgage?

Barclays* recently announced an analysis of the mortgage market, predicting significant changes bet...

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...

Top tips: how to improve your chances of securing your dream home

Property buyers are forced to compete hard in many markets. So, how can you improve your chances of ...

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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