What We Do Best?
At MCB Financial Services, we’re with you every step of the way from the moment you first get in touch, right through to completion and beyond. Our support doesn’t stop once your mortgage, insurance, or financial plan is in place. With our dedicated aftercare service, we make sure you stay on track and have the confidence to adapt as your life and circumstances change.
Our success has been built on one simple promise: exceptional customer service. It’s what sets us apart and why so many of our clients recommend us to their friends, family, and colleagues.
Whether you’re looking for a mortgage, planning for later life, protecting your family, or seeking business finance, you can count on us to be your first call for clear, friendly, and trustworthy advice.
AWARD WINNING
We’re proud to have been recognised as finalists for Mortgage Broker of the Year at the Moneyfacts National Awards in 2017, 2018, 2019, and 2020. These nominations were based on customer and stakeholder feedback proof that the service we provide really makes a difference.
INDEPENDENT
As an independent financial services firm, we search the whole of the market to find the most suitable deals for you. We’re not tied to any lender or provider, which means our advice is always impartial, focused on your needs, and designed to get you the very best outcome.
FLEXIBLE
Life is busy, and that’s why we offer appointments that work around your schedule, including evenings and weekends. Whether you’d prefer to meet face-to-face, over the phone, or via video call, we’ll make the process as convenient as possible for you.
THE FIRST CALL WHEN YOU CONSIDER YOUR NEED FOR FINANCE
From mortgages and personal protection to business finance, commercial cover, wills, and asset finance, MCB is often the first call our clients make when they need trusted financial advice. Whatever stage of life you’re at, we’ll help you find the right solution, simply and clearly.
FAMILY RUN
As a family-run business, our values are at the heart of everything we do. We work as a team, pulling in the same direction with one goal: to make a positive difference for our clients. It’s this personal, people-first approach that sets us apart and drives us to be the best at what we do.
Process
At MCB Financial Services, we believe getting a mortgage (or any financial product) should be clear, simple, and stress-free. That’s why we guide you through the whole journey from your very first enquiry to post-completion support, with advice tailored to your needs at every step.
Here’s how it works:
Get in touch
It all starts with a friendly chat. Call us on 01603 864 760 or send us an enquiry online, and one of our advisers will get back to you.
Pre Qualification
We’ll talk through your circumstances in detail and let you know what information we need to carry out a thorough search of the whole mortgage market.
Recommendations
After researching the options, your adviser will give you clear recommendations tailored to your situation, including interest rates, repayment options, and any fees to be aware of.
Agreement In Principle
Once you’re happy with the recommendation, we’ll request an Agreement in Principle (AIP) from the lender. This gives you confidence that your application should be approved, subject to checks.
Application
When you’re ready, your adviser will submit the full application. At this stage, the lender reviews your documents and arranges a property valuation or survey.
Insurance
We’ll also talk about protecting your new mortgage with the right insurance, such as life cover or income protection, and help arrange suitable policies if needed.
Mortgage Offer
Once the lender is satisfied with your application and valuation, they’ll issue a Formal Mortgage Offer. Copies are sent to you, your adviser, and your solicitor.
Completion
Your solicitor finalises the legal paperwork and confirms a completion date. On that date, the lender releases the funds, and you can collect your keys or complete your transaction.
Post Completion
Our relationship doesn’t end there. We’ll stay in touch and contact you before your mortgage deal expires to make sure you’re always on the most suitable rate for your needs.