IMC Financial Services

IMC Financial Services Our approach is to provide every client with a personalised service that takes account of your personal circumstances.

Our friendly and approachable team are experts in financial services – we have the skills and the knowledge to provide you with complete peace of mind, whatever your needs. We take the time to learn about what’s important to you and why, so that our advice is always centred on you and your family's needs. We are experts in our field, with the knowledge and skills to provide you with up-to-date, be

spoke financial advice that is truly tailored, giving you peace of mind as well as the right financial products and services. Our range of financial services is impressive. We have access to more than 1,500 different mortgage products and 150 different insurance companies. So whether you are after a mortgage, pension advice, private healthcare, will and estate planning or more, we have the right combination of advice and services to suit your needs.

Overpaying your mortgage - is it always the right move?It can feel like a smart financial step. Paying down your balance...
06/05/2026

Overpaying your mortgage - is it always the right move?

It can feel like a smart financial step. Paying down your balance sooner often brings peace of mind and the potential for long-term savings.

But it’s not always that straightforward. Overpayments can affect your flexibility, tie up your money, and in some cases, lead to charges if you exceed your lender’s limits.

The real question isn’t whether overpaying is “good” or “bad” - it’s whether it fits your wider plans, your need for access to funds, and your overall financial position.

If you’re considering overpaying, it’s worth understanding the full picture before making a decision.

👉 Read the full blog: https://imcfs.co.uk/blog/overpaying-your-mortgage

29/04/2026

What sits beyond the headline rate 👀

When people think about mortgage costs, the rate takes centre stage…
but it’s only part of the story

It’s rarely one big surprise -
it’s the smaller costs that quietly add up.

📊 Arrangement & product fees
📂 Valuation & legal costs
📉 Less obvious upfront charges

On their own, they seem manageable…
together, they shape the true cost of your mortgage.

The difference?
Clarity early on - no surprises, just a plan you can trust.

It’s not just about the rate you’re offered,
it’s about the full picture behind it.

💬 Let’s talk.

Fixed or variable — which mortgage is right for you?It’s one of the biggest decisions you’ll make, and there’s no one-si...
27/04/2026

Fixed or variable — which mortgage is right for you?

It’s one of the biggest decisions you’ll make, and there’s no one-size-fits-all answer. Fixed rates offer certainty and stable monthly payments, while variable rates can move with the market — giving you flexibility, but also some risk.

The real question isn’t which is “better” — it’s which suits your plans, your budget, and how comfortable you are with change.

If you’re buying, remortgaging, or weighing up your options, it’s worth understanding both sides before you commit.

👉 Read the full blog: https://imcfs.co.uk/blog/fixed-vs-variable-mortgage-which-is-best

27/04/2026

Fixed or variable mortgage?

It’s not right or wrong — it’s just different.

📊 Fixed — stability and predictable payments
📈 Variable — flexibility and movement with rates
⚖️ The real choice — how much certainty you want vs how much change you can handle

It’s less about predictions, more about what works for you.

If you’re planning ahead, now’s the time to get clear on your options.

💬 Let’s talk.

23/04/2026

Self-employed and thinking about a mortgage?

It’s not a no — it’s just different.

📊 Sole trader — based on net profit
📈 Limited company — salary + dividends
📂 Contractor — contract income matters

It’s less about headlines, more about understanding how lenders see your income.
If you’re planning ahead, now’s the time to get clear on your options.

💬 Let’s talk.

20/04/2026

Rate changes make headlines — but what do they actually mean for your mortgage?

It depends on your deal:

📊 Tracker — changes can feed through quickly
📈 Variable — may move, but not always directly
🔒 Fixed — no change until your deal ends

It’s not about reacting to every headline — it’s about understanding your position and planning ahead with confidence.
If your deal is ending soon or you’re unsure what rate changes mean for you, now is a good time to review your options.

💬 Need expert guidance? Let’s talk.

17/04/2026

Your mortgage deal isn’t forever and when it ends, you’ve got options.

Remortgaging simply means switching your current mortgage to a new deal. This could be with your existing lender or a new one, and it’s usually done to improve your rate, reduce monthly payments, or release equity from your home.
Here’s what it really means for you:

💡 1. You could save money
If your fixed rate is ending, you may be moved onto a higher rate. Remortgaging can help you secure a better deal and avoid unnecessary extra costs.

💡 2. You might be able to borrow more
Home improvements? Debt consolidation? Or a big life plan? Remortgaging can release equity tied up in your property.

💡 3. It’s not as complicated as it sounds
A mortgage adviser will review your income, outgoings, and property value to match you with the most suitable deal — and handle the heavy lifting for you.

💡 4. Timing matters
Starting the process early (before your current deal ends) gives you more choice and better rates.
At IMC, we compare thousands of mortgage products to find the right fit for your circumstances — not just the headline rate.

📲 Want to see what you could save or release from your home?

Speak to our team today.

PropertyUK HomeownersUK FirstTimeBuyerUK PropertyTips FinancialAdviceUK MortgageTips FinanceUK HomeBuyingUK PropertyFinance EquityRelease HomeImprovementUK PropertyMarketUK MortgageDeal InterestRates MoneyTipsUK PersonalFinanceUK LondonProperty UKHomes PropertyExperts FinancialPlanningUK RealEstateUK HouseGoals SmartMoneyMoves HomeOwnership IMCFS

01/04/2026

Your health is your greatest investment 🩺


With Private Medical Insurance, you get:
✔ Quick access to consultations & treatments
✔ Choice of hospitals and top specialists
✔ Confidence knowing you’re covered when it matters most
From individual plans to family protection, we’ll tailor a solution that fits your needs and budget.

📞 Give us a call on 020 8392 6111 to book your free 30-min consultation.

11/03/2026

UK rates are now above 5%, with lenders pulling deals and increasing payments due to global tensions. Millions of homeowners and buyers could face higher monthly payments if they delay.

Waiting for the “perfect deal” could cost thousands in extra interest. Securing your mortgage now not only protects your monthly payments but also gives you peace of mind in a volatile market.

💡 IMCFS can help: Our team of experts will guide you through the current market, identify the best deals, and act quickly to lock in the right mortgage for your situation. Don’t leave your property plans to chance!

Need advice? Give us a call on 020 8392 6111

Address

17 Sheen Lane
London
SW148HY

Opening Hours

Monday 9am - 6:30pm
Tuesday 9am - 6:30pm
Wednesday 9am - 6:30pm
Thursday 9am - 6:30pm
Friday 9am - 6:30pm
Saturday 9am - 5pm

Telephone

+442083926111

Website

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