Chambers Financial Solutions Ltd

The right mortgage gets you the keys 🔑. The right protection keeps your future secure 🛡️.

Don't leave your family's financial future to chance. Let's create a protection plan that works for you.

📩 Message us for a free consultation.

100% Mortgages
Is it cheaper to rent or to buy?

Contact the team for your free discussion
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BIG RESULTS, BIG OUTCOMES 😎 🥳

Delivering another set of big results for our clients
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We have just completed on a £1.4M Semi Commercial refinance deal for one our clients
Property Value 1.9M 🏘️
75% LTV 🏘️

Consisting of - 3 commercial units and - 12 fully tenanted residential flats whilst incorporating the usage of holiday lets across 9 of the units.

If you have a complex deal you need to talk through

Contact us

Lets put pen to paper and come up with a tailored solution

UK Financial Update Snapshot - (Mid 2026)

• Inflation: ~2.8% (falling, but still slightly above target)
• Interest Rates: ~3.75% (holding steady for now)
• Economic Growth: Slow (~0.5–1% range)
• Government Debt: ~£2.9–£3.1 trillion (≈94–110% of GDP)
• Budget Deficit: ~£130bn/year (~4% of GDP)
• Employment: Stable (~75% employment rate)

📊 Overall Picture:

The UK economy is stable but under pressure — inflation has eased, but debt is high, growth is weak, and global events (energy prices/geopolitics) still pose risks.

The country isn’t in a crisis, but growth is slow, prices are still a bit high, and the government has built up a lot of debt, meaning there isn’t much spare money to improve things quickly, so progress feels gradual rather than strong.

For everyday people, this means life can feel a bit tighter — things like food, energy, and mortgages are still relatively expensive, wages aren’t rising quickly, and there’s less spare money at the end of the month, so people need to be more careful with spending, saving, and borrowing. It also means financial decisions matter more than ever, because small mistakes can feel bigger when money is stretched.

Chambers Financial Solutions can help by guiding people to make smarter choices with their money — whether that’s reducing debt, improving credit profiles, finding better finance options, or helping structure payments in a way that eases monthly pressure. In times like this, having the right financial strategy can be the difference between struggling and staying in control, and that’s where tailored advice and support really add value.

Contact the team
Chambers Financial Solutions Ltd

Your Business & Individual Financial Partners 😎

At chambers Financial Solutions we believe in working with you to achieve your goals 📈💹

Be it a small venture to a multi-million-pound development, acquisition or just some good old financial advice our team is on hand ready to help

Contact the team

Lets see how we can help you

Chambers Financial Solutions Ltd

IMPORTANT Employment updates for employees and employers

As we now enter the 2025/26 financial year, there are some keep updates which employees and employers needs to be aware of.

Key Employment Law Changes – Effective 6 April 2026 (UK)

1. Statutory Sick Pay (SSP)
Payable from day one of sickness (no more 3 day waiting period).

SSP rate increased to £123.25 per week, or 80% of average weekly earnings if lower.

2. Paternity Leave – Now a Day-One Right

The 26 week qualifying period is removed — employees can take paternity leave from their first day of employment.

3. Unpaid Parental Leave – Also a Day-One Right

Previously required one year’s service — now available immediately upon employment.

Up to 18 weeks unpaid parental leave per child remains unchanged, but eligibility starts immediately.

4. New Bereaved Partner’s Paternity Leave

New statutory right from 6 April 2026.

Up to 52 weeks of unpaid leave if the mother/primary adopter dies within the child’s first year.

5. Collective Redundancy – Penalties Doubled

Protective award increased from 90 days to 180 days’ pay for failure to collectively consult.

Significant cost risk for employers planning restructures.

6. Strengthened Whistleblowing Protection (Sexual Harassment)

Reporting sexual harassment now counts as a protected disclosure under whistleblowing law.

Workers have stronger protection from dismissal or detriment for raising concerns.
7. National Minimum Wage & Statutory Rate Increases

From 1 April 2026:

National Living Wage (21+): £12.71
Age 18–20: £10.85
Age 16–17: £8.00
Apprentice rate: £8.00

Statutory maternity, paternity, adoption etc. also increased from 5–6 April.

Additionally There are some new cost to employers which should be noted

Employer NIC rate: 15% on all employee earnings above £5,000 per year.

This rate increased from 13.8% to 15% in April 2025 and remains at this higher level throughout 2026/27.

Whist this is all aimed at benefiting UK employees, how will this affect small business and startups?
Especially business already struggling.
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MTD IS UPON US 😫😫

IMPORTANT 6th APRIL 2026 UPDATE 😐

What you need to know 😯

Making Tax Digital (MTD) is one of the biggest changes HMRC has ever made to the tax system — and it becomes mandatory for many people from 6 April 2026. Anyone earning over £50,000 from self employment or property will have to keep digital records and submit quarterly updates instead of the usual annual tax return

Get MTD ready to avoid HMRC new point penalty

✅ Making Tax Digital starts 6 April 2026 for sole traders & landlords earning over £50,000.

✅ Income thresholds drop to £30,000 in 2027 and £20,000 in 2028 – bringing nearly 3 million people into MTD.

✅ Quarterly updates replace annual Self Assessment — you must submit four digital summaries each year + a final declaration.

✅ Digital record keeping is mandatory using MTD compatible software (spreadsheets alone won’t be enough).

✅ Most businesses are NOT ready — 94% say they’re unprepared, so early action is crucial.

✅ HMRC will contact you if you're in scope, but it’s best to prepare early to avoid penalties and last minute stress.

✅ MTD aims to modernise the tax system, reduce errors, and give taxpayers a clearer real time view of their tax

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COVER SUMMIT 2025 – Manchester Pendulum Hotel Manchester

Look at these beautiful faces or as I call it 😎😎
Chambers & 4 Beautiful Ladies 😁😂😂🤣😂🤣😂🤣

A protection summit hosted by cover magazine, filled with fantastic speakers, innovative panel debates ranging from providers, lenders advisors and even a debrief from the FCA.

Great to catch up with everyone and industry friends,

IMPORTANT UPDATED - SOLE TRADERS & LANDLORDS

📣 Making Tax Digital (MTD) — Who’s Affected in 2026?

👨‍💼 Self Employed Over £50k

If your gross self employment income is above £50,000, you must join MTD from 6 April 2026.

🏠 Landlords Over £50k

Landlords earning over £50,000 in property income must follow MTD rules from April 2026.

💼 VAT Registered Businesses

Already included under MTD for VAT, so they stay in the digital system.

⏳ Possible Exemptions / Delays

Some groups get deferrals, including people with Power of Attorney, certain non UK residents, and those who need the SA109 residence/domicile form (deferred to 2027)

MTD (Making Tax Digital) in Simple Terms
📘 What MTD Means (Easy Explanation)

MTD means you must keep your tax records digitally and send updates to HMRC every 3 months instead of once a year.

You must use HMRC approved software to log your income and expenses, and then the software sends quarterly updates automatically.

It’s basically HMRC’s way of making tax more digital, more frequent, and more accurate.

This will move the majority of UK landlords and sole traders to the improved digital filing systems. Filing can be made using systems like Sage, VT transactions, Xero, QuickBooks etc

How will this affect your business and landlords going forwards?

Dont get caught out by HMRC new penalty system
IMPORTANT – MTD is a gross earnings not NET take away income