Blogs

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

Make an enquiry

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?

Income Protection: Not just for the over 30’s

Case Studies, Protection |

According to recent research by Cirencester Friendly*, almost 23% of their claimants are aged 30 or under. This is an eye-opening statistic that highlights the importance of Income Protection for young people. Many of us don't like to think about the possibility of becoming ill or injured, but it's important to be prepared in case the worst does happen.

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

How to talk to the next generation about money

Saving Money |

Teaching children about money is an essential life skill that will serve them well as they grow older. It is never too early to start teaching children about money and financial responsibility. In fact, studies have shown that children who are taught about money at an early age are more likely to be financially responsible adults. The key is to teach children about money in a way that is age-appropriate and engaging.

Landlords, are you up-to-date on the latest Energy Efficiency Standards and EPC requirements?

Buy to Let, Homeowners |

As part of the UK government's commitment to achieve net-zero emissions by 2050, there are upcoming changes to MEES and EPC requirements for both commercial and residential properties. These changes could affect landlords who own properties that are not yet compliant, and it is important for them to be aware of the new rules to avoid penalties and ensure their properties are available for renting.

How to protect yourself against identity theft

Identity theft is a type of crime where someone's personal and financial data is obtained and used without their permission. To limit your exposure and protect yourself from identity theft, it's important to learn how it occurs and to recognize the warning signs that signal fraud is developing. Here are some tips on how to protect yourself from identity theft:

Could Equity Release help you repay your interest-only mortgage?

Equity Release, Homeowners |

In the 1990s, there was a boom in interest-only mortgages, and many homeowners who took out these mortgages during that time will now be coming to the end of their mortgage term with the full or a large amount of the capital needing to be paid off. In fact, it is estimated that almost half a million interest-only mortgages are due to end before 2027*. This can be a stressful time for homeowners, who risk losing their home if they are unable to repay the mortgage when the term ends.

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

Benefits of International Private Medical Insurance

If you’re planning to move abroad, there are many things to consider, from where you’re going to live, to possibly learning a new language or finding a new job. International private medical insurance (IPMI) can help put you at ease about your health while living overseas.

Easter Holiday Money Saving Tips: Enjoy Your Break Without Breaking the Bank

Saving Money |

Easter Holidays are a time for rest and relaxation, but they can also put a strain on your finances. With the cost of travel, accommodations, food, and activities, a holiday can quickly add up. Here are some money-saving tips to help you make the most of your Easter break without breaking the bank.

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.