Paul Tripp - MCB Financial Services

Self-employed and thinking about a mortgage?

You’re not alone, and yes, it can feel more complicated without a payslip. But in 2026, lenders understand self-employed income better than ever.

That said, there are still a few key hoops to jump through.

✔ What lenders really look for now
✔ How affordability checks have changed
✔ The documents you’ll need to get approved
✔ Simple ways to boost your chances

Whether you’re a freelancer, contractor, or business owner, a bit of preparation can make all the difference.

Read our recent blog post and find out how to put yourself in the strongest position before applying.

https://mcbfinancialservices.co.uk/mortgages-for-the-self-employed-in-2026-whats-changed/

There’s no such thing as a “perfect” time to buy a house, but for many people, 2026 may offer a more balanced market.

With mortgage rates stabilising and lenders becoming more competitive, buyers and homeowners alike may find there’s more choice, clarity, and confidence when making big decisions this year.

Whether you’re a first-time buyer, thinking about remortgaging, or reviewing your options, understanding the current market can make all the difference.

👉 We’ve broken down what the 2026 mortgage market means for you and how to navigate it here: https://mcbfinancialservices.co.uk/what-the-2026-mortgage-market-means-for-you/

Q: Can my business take out insurance on key staff?

A: Yes! This is known as Key Person Cover.

Key Person Cover provides a financial safety net if a key employee, such as a director, partner, or specialist passes away or suffers a serious illness. The payout goes directly to the business, helping to:

- Maintain cash flow
- Cover recruitment and training costs
- Keep your business running smoothly

Send us a message to find out about Key Person Protection.

A Mortgage Capacity Assessment Report is a document that confirms the amount and type of mortgage you are likely to be able to achieve following a divorce or separation.

When a couple separates, one of the biggest things to figure out is what happens to the home and how assets are divided fairly.

A Mortgage Capacity Assessment Report helps by showing:
✔️ How much each person could realistically borrow on their own
✔️ Whether one person can afford to take over the existing mortgage
✔️ What kind of housing each person could afford moving forward

The report gives the court or your solicitor an independent, realistic picture of what’s financially possible, helping to make sure any financial settlement is fair and achievable.

We prepare detailed Mortgage Capacity Assessment Reports tailored to your circumstances. Talk to one of our mortgage specialists today.

How Can I Reduce My Monthly Mortgage Payments? - MCB Financial Services Feeling the pinch from mortgage repayments? You’re not alone. With the cost of living still creeping up, many homeowners are looking for ways to ease the pressure. You do have options. Whether you’re coming to the end of a deal or just want to make your money go further, this blog walks you thro...

🎓 Heading off to uni this September?

Between the excitement of freshers’ week, moving into new accommodation, and getting used to life away from home, one thing that can get overlooked is keeping your stuff safe.

Ask your parents to check their Home Insurance to see if students’ belongings are covered, whether in halls, shared houses, or other UK student accommodation. This will give you (and your parents!) peace of mind, so you can focus on the adventures ahead.