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Monday 8:30am - 5:30pm Tuesday 8:30am - 5:30pm Wednesday 8:30am - 5:30pm Thursday 8:30am - 5:30pm Friday 8:30am - 5:30pm

Chambers Financial Solutions Ltd

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Chambers Financial Solutions Ltd

Chambers Financial Solutions Ltd is a firm Accountants, Mortgage & Financial Advisors based in Leeds Why choose us?

Using a single business for all your financial needs is not only simpler, it will allow you to make significant savings when it comes to both time and money. We pride ourselves on building strong relationships with each and every one of our clients so we can provide a cost-effective and personal service which is tailored to fit your personal or business needs. We remove the hassle of our clients s

peaking to multiple organisations thus maximising benefits and financial advice giving to our client’s. We offer expert advice and a friendly hassle-free service covering all aspects of accounting, bookkeeping, life, and protection policies covering whole of market products with access one of the largest panel of lenders. We offer expert advice in Mortgage, BTL Mortgages, Commercial and Specialising lending such as development finance and bridging loans. With access to a wide range of lenders covering whole of market, working closely with the local BDMs to secure the best deal possible tailored to your individual circumstances giving you not only peace of mind but securing the right finance for you, your project or your business. Whatever your financial need, we are here to help.

06/04/2026

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. fs

01/04/2026

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

.fs

22/03/2026

POV - Getting Financial Updates even on Sundays 😎.

20/03/2026

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,

07/03/2026

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

21/02/2026

💔 The Truth About Life Insurance — And Why Your Family Can't Afford for You to Ignore It

1️⃣ Life insurance isn't about you — it's about the people who would live with the consequences of you not having it.

If tomorrow didn’t come, your income wouldn’t just stop for you…
It stops for everyone who depends on you.

2️⃣ What happens without life insurance?

Your loved ones may suddenly face:

😲Rent or mortgage arrears
🤯Rising household bills
😲Childcare costs
🤯Outstanding debts
😲Funeral expenses

Severe financial instability during grief
Nothing is more painful than emotional loss being followed by financial hardship.

3️⃣ Life insurance is your family’s financial shield.

🤗It gives them:
🤗Time to breathe
🤗Time to grieve
🤗Time to rebuild

It replaces the income they relied on and protects them from immediate financial collapse.

4️⃣ Ask yourself the real question:

👉 If tomorrow never comes, would your family be financially protected — or financially vulnerable?
This isn’t about fear.
It’s about responsibility, love, and securing your family’s tomorrow.

5️⃣ Your final act of protection

Life insurance turns “I hope they’ll be okay” into
“I KNOW they’ll be okay.”

There is no greater gift than safeguarding your family’s future.

💡 Don’t wait. Protect the people who matter most — today.

10/02/2026

😞IMPORTANT UPDATES 😞

For all my self-employed professionals and aspiring business clients and directors, there is some important updates to take note of.
As of 1 February 2026, the standard Companies House fee for digital incorporation of a company is £100. Previously £50, this fee increased for most electronic, same-day, and paper registrations to support new, tighter corporate regulations.

Key Fees & Services (Effective 1 Feb 2026):

*️⃣Digital/Online Formation: £100 (standard, usually within 24 hours)

*️⃣Same-day Incorporation: £156 (via software)

*️⃣Paper Application: £124

*️⃣Annual Confirmation Statement: £50 (increased from £34)

*️⃣Community Interest Companies (CICs): Fees for CICs also increased to £65 (online) and £86 (paper)

Is the above ongoing business fee increase further evidence of the struggles of self employed individuals

05/02/2026

🥳🥳BREAKING NEWS🥳🥳

The Bank of England opted to hold interest rates at 3.75 per cent today, but a cut in March is now thought likely.

What next for mortgage rates?
The expectation is that the Bank of England will cut rates one or two more times in 2026 to either 3.5 per cent or 3.25 per cent according to industry experts. 😎

Is now the time to fix your mortgage or will you hold out for a potential further rate reduction?

Though reduced rates are increasingly beneficial for Mortgage and borrowers, This can mean the complete opposite for savers.

Diversified investment / savings and property portfolio is essential to stay ahead of the game.

03/02/2026

🚨 Big News for First Time Buyers! 🚨
Santander has just launched a 98% LTV “My First Mortgage”

This remains in line with lenders remaining competitive especially with selected lenders such as Skipton offering 100% Mortgages

02/02/2026

Finance your dream home with us

Why Chambers Financial Solutions?

Simply: We Care 😊
Top Rated Mortgage & Financial Advisors 4 years in a row

28/01/2026

“Rise With Your Vision”

Your goals aren’t just numbers

they’re the future you can feel.

A home, a legacy, a breakthrough moment…

the things that make life real.

And every step you take forward,

Our Team is right by your side,

turning doubt into direction,

and ambition into design.

We guide your plans with purpose,

we lift your dreams with skill

because your vision isn’t distant…

it’s a journey we help fulfil.

So aim higher, dream bigger,

move boldly towards your goals

At Chambers Financial Solutions,

We are more than just your financial advisors

Address

Leeds

Opening Hours

Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm

Website

https://chambersfinancialsolutions.co.uk/

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