Ed Wales - Independent Mortgage, Protection and Equity Release Adviser

26/02/2026

All for a great cause. Please donate if you are able to.

07/08/2025

Need funding for your business but not sure where to start? Whether you’re just starting out or scaling up, the right finance can fuel your next big move, but with so many options out there, it’s easy to feel overwhelmed.

Our latest blog breaks it down
What is commercial finance?
Development Finance
Asset Finance
Commercial Mortgages

From buying equipment to funding a property project, we’re here to help you find the right fit.

Read the full blog: https://mcbfinancialservices.co.uk/what-are-the-different-types-of-commercial-finance-available/

07/08/2025

07/08/2025

Freehold vs. Leasehold - what’s the difference?

When buying a home, you’ll hear the terms freehold and leasehold thrown around but what do they actually mean?

Freehold means you own the property and the land it sits on. It’s yours, no strings attached (except the mortgage, of course).
Leasehold means you own the property but not the land. Instead, you lease it for a set number of years (often 99–999 years), and usually pay a ground rent and service charge.

Most flats are leasehold. Most houses are freehold. But not always, so it’s good to check.

07/08/2025

How can I protect my business if something happens to me?

Life can throw curveballs, and if you run a business, it’s important to make sure everything keeps ticking over even if you’re not around.

Here are a few ways to protect your business:

🛡 Key Person Insurance – if you (or a key employee) are suddenly unable to work, this can provide a payout to help the business stay afloat.
📄 Share & Partnership Protection – this helps remaining shareholders buy back shares if one of them passes away or becomes critically ill.
💼 Relevant Life Cover – a tax-efficient way to provide life insurance for company directors or employees.

Your business is your livelihood so it makes sense to protect it like you would your home or family.

15/07/2025

Do you need finance for new equipment, vehicles, or machinery? Don’t settle for limited options from a single lender.

At MCB, we do things differently. Instead of being tied to one bank’s in-house products, we give you access to a whole market of funders, including niche lenders who specialise in your sector. That means more choice, better flexibility, and seriously competitive rates.

✅ Vehicles & fleets
✅ Plant & machinery
✅ Office equipment
✅ Renewables
✅ Agricultural kit

And we’ll help you find the right product for your business, whether that’s:
Hire or Lease Purchase
Finance or Operating Lease
Contract Hire Refinance

Want to talk through your options? Get in touch.

15/07/2025

Kind words like this mean the world. We’re so pleased to hear such lovely feedback about Pippa.

"She truly knows the market inside and out… every recommendation was tailored, informed, and up-to-date."

At MCB, we believe in making finance feel simple, with clear advice, quick communication, and a service that feels personal, not pushy.

Well done, Pippa and thank you to our client for taking the time to share their experience.

04/07/2025

Do I need a Will if I don’t own a house?

Short answer? Yes!
Owning property isn’t the only reason to have a Will.

A Will makes sure your wishes are followed, whether that’s who gets your savings, sentimental items, your business, or even who would look after your children or pets. No house? No problem. A Will still gives you peace of mind and saves your loved ones a lot of stress down the line.

Find out more > https://mcbfinancialservices.co.uk/do-i-need-a-will-if-i-dont-own-a-house/

04/07/2025

Fact vs Myth: Self-Employed & Stuck Without a Mortgage?

❌ Myth: Getting a mortgage is impossible if you're self-employed.
✅ Fact: It is possible; you just need the right support and the right paperwork.

Yes, lenders might ask for a bit more info (like proof of income over the last 1–2 years), but self-employed people get mortgages all the time, builders, beauty therapists, bakers…you name it.

If you're self-employed and dreaming of owning a home, don’t rule yourself out. Let’s chat and see what’s possible, you might be closer than you think.

04/07/2025

If you’ve ever found yourself confused about the difference between life insurance and critical illness cover, you’re not alone. Many people assume they’re the same, but while they both provide a financial safety net, they do very different jobs.