3mc Mortgages

09/06/2026

3mc are really excited to announce that this year alone we are welcoming 8 college leavers to the team.

We have been working closely with some local sixth forms and educated them all on the world of mortgages, and we have had a staggering amount of interest.

This is a great opportunity for these young adults, leaving the structured world of full time education and entering into a regulated world of first charge mortgages. With the training we have on site, we are excited to see them progress and they are all looking forward to working through their CeMAP qualification which then gives entry into the trainee mortgage adviser academy, to learn how to become a mortgage adviser here at 3mc.

Given all the news of late about this age group - https://www.bbc.co.uk/news/live/clypw8gyn18t - we are so excited to be able to provide opportunities like this to such young and local talent, and we cant wait for them all to get started.

We would also like to thank the local colleges for letting us educate the young adults and welcoming us into their community. The level of enthusiasm has been astounding 😊x

08/06/2026

The UK rental market is undergoing its most significant transformation in decades. With the Renters’ Rights Act 2025 set to take effect from May 2026, landlords face a new reality: fixed-term tenancies are out, and rolling periodic agreements are in. This shift isn’t just a legal change, it’s a strategic opportunity. For landlords, embracing long-term tenancies is no longer optional; it’s the smart move for sustainable success.

*Your home may be repossessed if you do not keep up repayments on your mortgage. 3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/s/ under reference 302992. Please note: The FCA do not regulate Business Buy to Let Mortgages.

07/06/2026

Whenever a customer reviews our service, we are beyond grateful. Sharing is caring as they say and we are certainly glad that you do.

If you would like to share your 3mc experience head on over to Google to create a review >>> https://g.page/r/CTH5NTjdrUQ2EBM/

"I had the absolute pleasure of dealing with the 3mc team who were amazing. Super helpful, super knowledgeable and super reliable. Always called back when needed and was fab at getting things done on time. Will 100% be using 3mc again."

05/06/2026

We're pleased to welcome CHL Mortgages for Intermediaries as our Academy sponsors for June.

They will be delivering an session on Limited Company Ownership which the team are looking forward to.

Read more about the 3mc Mortgage Academy: https://3-mc.com/academy/

*Your home may be repossessed if you do not keep up repayments on your mortgage. 3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/s/ under reference 302992. Please note: The FCA do not regulate Business Buy to Let Mortgages.

04/06/2026

Every landlord faces this decision at some point: should I manage my rental property myself or hand it over to a letting agent? It’s not a straightforward choice, and the right answer depends entirely on your circumstances, experience, and what you value most, whether that’s control, time, or peace of mind. Let’s break down the real costs and benefits of each approach, beyond the obvious fee structure.

*Your home may be repossessed if you do not keep up repayments on your mortgage. 3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/s/ under reference 302992. Please note: The FCA do not regulate Business Buy to Let Mortgages.

31/05/2026

Our team are genuinely delighted when customers share their first-hand experience. A pat on the back is always welcome.

If you would like to share your 3mc experience just head on over to Google to create a review >>> https://g.page/r/CTH5NTjdrUQ2EBM/review

"I can thoroughly recommend the 3mc team for your mortgage needs. They sorted out my remortgage in super quick time at a very advantageous rate. They were very patient explaining what my options were and then executing my choice extremely efficiently. When the time comes, I'll definitely be using them again."

30/05/2026

THE FUTURE OF HMOS

With growing regulatory scrutiny, rising compliance costs, and evolving tenant expectations, the future of HMOs prompts a key question: is this a golden opportunity or a regulatory minefield?

✅ What Makes HMOs Attractive to Investors?
✅ Regulatory Landscape: Increasing Complexity
✅ The Renters’ Rights Act: Implications for HMOs
✅ Challenges on the Horizon
✅ Opportunities Ahead
✅ Balancing Growth with Responsibility

*Your home may be repossessed if you do not keep up repayments on your mortgage. 3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/s/ under reference 302992. Please note: The FCA do not regulate Business Buy to Let Mortgages.

28/05/2026

UNDERSTANDING RENTAL STRESS TESTS

At its core, a rental stress test is a way for lenders to check that the rent you receive is high enough to comfortably cover your mortgage payments, even if interest rates rise or unexpected costs crop up. It’s a financial safety net for the lender, yes, but also for you. No landlord wants to be in a position where a single rate increase or a short void period pushes them into difficulty.

✅ What a Rental Stress Test Actually Is
✅ Why Stress Tests Matter More Today
✅ How Lenders Calculate a Stress Test
✅ Typical ICR Requirements
✅ Background Portfolio Assessment (ICR)
✅ Why Landlords Sometimes Fail the Stress Test
✅ How to Pass a Rental Stress Test

READ MORE >>> https://www.3-mc.com/understanding-rental-stress-tests/

*Your home may be repossessed if you do not keep up repayments on your mortgage. 3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/s/ under reference 302992. Please note: The FCA do not regulate Business Buy to Let Mortgages.

If you’re a UK landlord applying for a buy‑to‑let mortgage or preparing to remortgage an existing property, you’ll almost certainly […]

26/05/2026

Thank you to all our customers who have taken time out to review us. We have just hit 400 reviews which is fantastic and is testament to the team at 3mc for their commitment to ensuring each and every one of our customers gets the advice and support they need.

If you would like to share your 3mc experience just head on over to Google to create a review >>> https://g.page/r/CTH5NTjdrUQ2EBM/review

25/05/2026

James chats with Simon from InterBay on their reasons for sponsoring the 3mc Mortgage Academy.

READ MORE AND APPLY >>> https://www.3-mc.com/mortgage-academy/

*Your home may be repossessed if you do not keep up repayments on your mortgage. 3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/s/ under reference 302992. Please note: The FCA do not regulate Business Buy to Let Mortgages.