Our Services

Mortgage Advice

Mortgage Advice

Finding the right mortgage is a very important decision and at MCM Financial Limited we can assist you with one of the biggest financial decisions you will ever make.

We offer advice from the whole of the market to ensure you get the most appropriate mortgage product for your personal circumstances.

For mortgages we can be paid by commission, or a fee of usually £295 or a combination of both.

A mortgage is secured on your home, your home may be repossessed if you do not keep up repayments on your mortgage.

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Retirement Planning

The State Pension age is changing for most people - this is the age when people can choose to start getting their State Pension.

Current State Pension Age

For men born before 6 December 1953, the current State Pension age is 65. For women born after 5 April 1950 but before 6 December 1953, their State Pension age is between 60 and 65.

Increase in State Pension age to 66

Under the Pensions Act 2011 women’s State Pension age will increase more quickly to 65 between April 2016 and November 2018. From December 2018 the State Pension age for both men and women will start to increase to reach 66 in October 2020.

These changes affect you if you're:

• A woman born on or after 6 April 1953
• A man born on or after 6 December 1953

The current law already provides for the State Pension age to increase to:

• 67 between 2034 and 2036
• 68 between 2044 and 2046

It's important to make adequate provision for your retirement years

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Savings and Investments

Saving and investing for the future is an important part of everyday life. We all need access to cash for emergency purposes and it would make more sense to save for your holiday, new car or future event, instead of borrowing.

The Government introduced Individual Savings Accounts, otherwise known as ISA in April 1999.

You are not certain to make money - you may suffer a loss Taxation depends on individual circumstances as well as tax law and HMRC practice which can change

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Home Insurance

Lenders often insist on home insurance as part of the mortgage offer but it is not a statutory requirement like motor insurance.

MCM Financial Limited provides detailed home insurance quotes to make sure you have peace of mind.

For Home Insurance we usually offer products from a limited panel of providers. We can provide you with a list of providers.

For further information or for a quotation, please click enquiries@mcm-financial.com