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March 2021

Mortgage Payment Holiday – How does it work?

mortgage payment holiday, Covid-19, pandemic, mortgage payment, homeowner | Mortgage tips, Home Movers, Remortgages |

To support those who are having difficulties in making their monthly mortgage payments, a mortgage payment holiday of up to 3 months is being offered by lenders to those who have been impacted by the Coronavirus pandemic.

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.

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A grant of probate is sometimes needed when valuable assets, such as property and shares, are left i...

Manage cash flow by leveraging your equity

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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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