MCB Financial Services

MCB Financial Services MCB Financial Services Ltd are independent mortgage and protection advisers based in Taverham, Norwich offering a wide range of services to our clients.

12/06/2025

FACT: The number of self-employed mortgage applicants is projected to increase by 67% over the next five years. That’s huge!

And it makes sense, more people are working for themselves than ever before.

Getting a mortgage when you're self-employed can feel like jumping through hoops:

Extra paperwork
Complex income proofs
Confusing criteria

That’s where we come in.
We specialise in helping self-employed business owners, freelancers, and contractors secure the right mortgage, with less stress, less jargon, and more “yes”.

If you're self-employed and thinking about buying or remortgaging, drop us a message. The right support makes all the difference.

“The greatest gift you can give your family is financial security.” - Suze OrmanIt’s not about flashy cars or big holida...
10/06/2025

“The greatest gift you can give your family is financial security.” - Suze Orman

It’s not about flashy cars or big holidays. It’s about peace of mind.
It’s knowing that if life throws the unexpected your way, your loved ones are protected.

✅ A Will in place
✅ Life insurance sorted
✅ A plan for the future, even if it feels a bit boring right now

These things matter more than we often realise. And they’re easier to sort than you think.

Future you (and your family) will thank you for it.

Wills vs. Trusts – What’s the difference?A WillTells everyone what should happen to your money, property, and belongings...
06/06/2025

Wills vs. Trusts – What’s the difference?

A Will
Tells everyone what should happen to your money, property, and belongings after you die.
➡️ It only kicks in once you’ve passed away.
➡️ It goes through probate (a legal process that can take time).
➡️ You name guardians for your children and choose who gets what.

A Trust
Is a legal arrangement that holds and manages assets for someone else (like your kids or grandkids).
➡️ Can start during your lifetime or after you die.
➡️ Can help avoid probate.
➡️ Offers more control over when and how your assets are used.

Think of a Will as your final instructions. A Trust is like a locked box with rules about who gets the key and when.

Not sure which one’s right for you? Drop us a message, we’re here to keep it simple and help you make the right choice for your family.

02/06/2025

June is Homeownership Month 🏡
Are you thinking about buying your first home? Whether you’re just starting to scroll Rightmove or deep into spreadsheets, here are our top tips for first-time buyers:

Know your budget
Start with a mortgage in principle, so you know what you can borrow before you fall in love with a dream home that’s out of reach.

Sort your paperwork early
Lenders will need things like payslips, bank statements, and ID. Getting organised now = less stress later.

Don’t forget the extras
Solicitor fees, surveys, insurance, and moving costs all add up. Make room in your budget.

Ask questions, lots of them!
There’s no such thing as a silly question. Your broker (that’s us) is here to guide you through the process.

Think long-term
Make sure the mortgage you choose fits your future plans, not just your now.

Buying your first home can feel overwhelming, but with the right support, it doesn’t have to be. Send us a message if you're thinking about taking the first step, we're here to help every step of the way.

If you were off work sick or injured, could your bank account handle it?🤕 If you’re employed – do you know how long your...
28/05/2025

If you were off work sick or injured, could your bank account handle it?

🤕 If you’re employed – do you know how long your sick pay would last?
🧾 If you’re self-employed – how long would your savings stretch before the stress kicks in?
💸 And what would you have to give up? That holiday? The kitchen reno? The Friday night takeaway?

That’s where Income Protection steps in – it helps keep the bills paid and your lifestyle ticking over if you can’t work due to illness or injury.

From April 2026, if you earn over £50,000 from self-employment or property, you'll need to get on board with Making Tax ...
27/05/2025

From April 2026, if you earn over £50,000 from self-employment or property, you'll need to get on board with Making Tax Digital (MTD) for income tax. That means:

📱 Digital record-keeping
📊 Quarterly updates to HMRC
💻 Using compatible accounting software

And it’s not just about profits, it’s gross income that counts. So even if your take-home is modest, you could still be affected.

Who’s next?
£50k+ earners: April 2026
£30k–£50k earners: April 2027
£20k+ earners: from 2028

Don’t get caught out. Speak to your accountant to make sure you're ready for MTD in April 2026. Don’t have an accountant? No problem, we can refer you to one of our trusted accountant partners to help get you sorted.

This quote says it all. Life insurance isn’t for you – it’s for the people you love. It’s about making sure they’re prot...
22/05/2025

This quote says it all. Life insurance isn’t for you – it’s for the people you love. It’s about making sure they’re protected, supported, and financially secure if the unthinkable happens.

A small step today can make a huge difference in your family’s future.

Drop us a message and let's have a chat, it’s easier than you think.

Myth - I don’t need a Will because my family will inherit everything automatically.Fact: Without a Will, your estate is ...
19/05/2025

Myth - I don’t need a Will because my family will inherit everything automatically.

Fact: Without a Will, your estate is divided according to strict legal rules – not necessarily how you’d want. It’s also extremely important for parents — a Will is the only way to officially appoint guardians for your children. Without one, the decision could be left to the courts, and it might not reflect what you would have wanted.

Having a Will puts you in control. It ensures your wishes are followed and makes things much easier for your loved ones during a difficult time.

Don’t leave it to chance. It’s easier than you think to get a Will sorted and the peace of mind is priceless.

Confused about the difference between Life Insurance and Critical Illness Cover? You’re not alone.Here’s a quick breakdo...
16/05/2025

Confused about the difference between Life Insurance and Critical Illness Cover? You’re not alone.

Here’s a quick breakdown to help make it a bit clearer:

Life Insurance – Provides a lump sum payment to your loved ones if you pass away. It’s designed to help with things like funeral costs, paying off debts, or supporting your family’s future.

Critical Illness Cover – Pays out a lump sum if you’re diagnosed with a serious illness like cancer, stroke, or heart attack. It’s there to help you financially while you focus on your recovery.

Both offer peace of mind, but they cover different situations. It’s important to understand your needs before choosing.

Got more questions? Drop them below or reach out – we’re here to help.

First-time buyer nerves are totally normal. That’s why we’re here, to guide you through the whole mortgage process, step...
08/05/2025

First-time buyer nerves are totally normal. That’s why we’re here, to guide you through the whole mortgage process, step by step with no jargon.

A huge thanks to our client for their kind words.

06/05/2025

What a day! On Friday, we were proud to be back for the third year running as Platinum Sponsor of the DMD 9th Annual Charity Golf Day, and it did not disappoint.

From friendly competition on the fairways to great conversations off the course, it was a day full of connection, community spirit, and raising vital funds for four incredible charities:

East Anglia's Children's Hospices - EACH
Fire Fighters Charity
Community Sports Foundation
Big C Cancer Charity

We’re honoured to support the organisations making a real difference across our region and grateful to everyone who came together to make this event such a success.

Address

Unit 13 Beech Avenue Business Park, Taverham
Norwich
NR86HW

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441603864760

Website

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