Fairfield Financial Services Ltd

31/03/2026

Did you know❓

We can reserve a rate with a lender before we fully apply for the mortgage. This is especially important at the minute with interest rate rises happening every week.

This feature can be used for both house purchases and remortgages. It helps us buy a little more time on your next deal without fully committing. Giving us flexibility and more importantly giving the client the chance to lock in a cheaper rate ahead of time.

Want to know more? Get in touch with Tom or James

27/03/2026

26/03/2026

Another great success story for our team! 🎉

We recently helped a client whose remortgage is due at the end of this month. With interest rates on the rise, it was crucial to secure a new deal quickly to give them peace of mind and financial stability.

We acted fast — submitting the application promptly — and we’re delighted to say the mortgage offer was secured on the very same day! ⚡

If your remortgage is approaching or you’re concerned about changing rates, don’t leave it too late. Get in touch and let us help you find the right deal at the right time.

20/03/2026

Happy Friday Folks❗️

Mortgage rates have been a little unstable these past 2 weeks, with the majority of lenders increasing off the back of inflation going up.

It’s important to review your mortgage often, not just when it’s due.

If you’d like one of our experienced advisors to take a look and give you some advice, just send us a message!

23/02/2026

Super busy start to the week for James and Tom.

✔️ 2 clients had offers accepted on properties
✔️ 6 new appointments between us
✔️ 2 mortgage offers come in
✔️ Countless hours sat on hold to lenders 😩
✔️ Too many cups of tea ☕️

What have you been up to on this gloomy Monday?

21/02/2026

Did you know? 💡

At Fairfield our advisors are fully independent. This means you can use us for mortgage and protection advice regardless of what area you’re buying in or what agent you’re buying from.

Not local to us? 📍

Don’t worry, we can accommodate with home visits, at our office or virtually over Teams/phone call.

It’s all about making your mortgage journey as smooth as possible.

Get in touch with James or Tom

James - 07702 790090
Tom - 07403 361185

19/02/2026

Why great service is our #1 priority at Fairfield Financial Services❗️

Tom had been out to see a client earlier this week. After a good discussion around the clients needs for their remortgage, it was apparent we could knock 13 (yes, THIRTEEN) years off their mortgage 😁

Better still, mortgage was applied for and packaged so well, that the offer has come back in less than 48 hours.

Simple, easy and stress free journey for the client. Whilst knocking YEARS off their mortgage!

17/02/2026

A huge thank you to our clients for the lovely feedback 🙏

At Fairfield Financial Services, we’re proud to guide you through the mortgage journey with clear advice, swift communication, and genuine support, so you feel informed and confident every step of the way.

If you’d like help with your mortgage or protection, drop us a message 📩

14/01/2026

Mortgage World Update ❗️

One of the big lenders has let our advisors know that they will be dropping their rates across their whole product range from tomorrow. This is great news for the industry as most lenders should then follow suite.

Rates have been coming down consistently with a good portion of lenders reporting they expect to continue to drop rates throughout the year.

2026 could be YOUR year to get on the market - Let's chat about that!😀

10/01/2026

Tom has been out meeting with a client today to help them review and set up a more effective Life Insurance and Home Insurance policy 👏

The results speak for themselves ⬇️
✅ Life Insurance & income protection – saving £29.27 per month
✅ Home Insurance – saving £15.46 per month

That’s better cover and real monthly savings 💷

The client is now properly protected and we've saved on their pocket! Win-Win!

If you’d like a review of your policies or want to see what options are available, get in touch 📩

09/01/2026

📣 Exciting News!

You know and trust us for delivering high-quality results, and that’s not changing, but our name is!

We are thrilled to announce that Nicholsons & Cowling is now trading as Fairfield Financial Services Ltd.

Same expert team. Same dedication. Just a fresh new name for our financial services offering!

If you're curious about your mortgage options, need advice on protection, or just want a no-pressure chat about your financial situation, our door is always open.

We're here if you want to pop in for a cuppa and chat! ☕

James - 07702 790090, [email protected]

Tom - 07403 361185, [email protected]