Mortgage advice
that feels right.
Work directly with Urvashi from your first call through to completion. Over 20 years’ experience, 90+ lenders searched, and appointments in English, Gujarati, Hindi or Punjabi.
The UBM difference.
Here’s what working with UBM looks like, from the first call through to completion.
We search 90+ lenders
Over 90 lenders, compared for your exact situation, rather than the two or three a single bank can offer. That gives you the full picture and a better chance of the right deal.
One adviser, always
From your first conversation to the day you get your keys, you deal with Urvashi, not a call centre. She remembers your situation because she's the one who listened to it.
Plain English, every time
20 years of expertise is here to make things simpler for you, not to overwhelm you with industry terms. Ask anything and you'll get a straight answer.
Mortgage advice for buying, moving, refinancing and investing.
Buying your first home, moving up the ladder, refinancing, or investing, we'll search 90+ lenders and find what actually works for your life right now.
Taking that first step? We'll walk every step with you.
From Agreement in Principle through to completion, we guide you through the whole process so nothing catches you off guard.
Learn more → 02, RemortgageDeal ending soon? Let's find you something better.
Don't let your lender roll you onto a high standard variable rate. We'll find a new deal before it costs you.
Learn more → 03, Moving homeUpsizing, downsizing, or starting fresh somewhere new.
Chains, timing, porting your existing deal, we handle the mortgage side so you can focus on the move itself.
Learn more → 04, Buy to letBuilding a portfolio? We know which lenders will say yes.
Rental calculations, stress tests, limited company structures, we've done this before and we know the lenders that work for investors.
Learn more → 05, Right to buyCouncil tenant? Your discount could be your deposit.
The right to buy scheme can be a fantastic route into home ownership. We'll help you make the most of your discount and get the right mortgage in place.
Learn more → 06, AffordabilityNot sure what you can borrow? Let's work it out together.
We'll look at your real numbers, income, outgoings, future rate rises, and give you a genuine, honest borrowing figure to plan around.
Learn more → 07, Self-employedSole trader, director, contractor, we know who'll say yes.
High street banks struggle with self-employed applications. The specialist lenders don't, and they're who you actually need.
Learn more →Try our free mortgage calculators.
Work out a monthly repayment, or get a rough borrowing figure, no email, no sign-up.
Protection advice for your income, family and home.
The insurance you hope you never need, which is exactly why it matters. We'll have an honest conversation about protecting the things that count, without the jargon.
If something happens, the people you love are taken care of.
The right policy can help repay your mortgage and provide financial support for your family if you die during the policy term.
Learn more → 02, Critical illnessA lump sum when you need it most, not when it's convenient.
Cancer, heart attack, stroke. A pay-out that lets you focus on getting better, not on paying bills while you do.
Learn more → 03, Income protectionYour income, protected if you can't work.
Long-term illness or injury shouldn't mean your life falls apart. Income protection replaces a portion of your salary so the bills keep getting paid.
Learn more → 04, Home insuranceBuildings, contents, or both, without the nasty small print.
Cover matched to your home and belongings. We compare options so you are not left with gaps you only discover at claim time.
Learn more →How it works, in three steps.
Book a free chat
Fifteen minutes on the phone, with no obligation, to look at your situation and what is realistic.
We search 90+ lenders
Urvashi finds the right deal across a wide panel of lenders, then handles the application, the paperwork and the chasing.
You get the keys
From Agreement in Principle to completion, one adviser start to finish, and you always know what happens next.
Searching 90+ lenders, including
Expert advice, straight from your adviser.
Urvashi founded UBM Financial Services because she saw a gap, most people were making the biggest financial decision of their lives without proper, unbiased advice. Banks sell products. We give guidance.
With over 20 years of experience across mortgages and protection, Urvashi works with clients from their first conversation all the way through to completion. You'll always deal with the same person, because continuity matters when the stakes are high.
And if you'd like to have that conversation in Gujarati, Hindi, or Punjabi, just say the word.
Learn more about us →What our clients say.
120+ five-star reviews on Trustpilot and Google. The comments below are review excerpts, shortened for length.
Urvashi took me through my options in a friendly and informative manner. Everything was discussed and set up on a single phone call. I couldn't have asked for better service.
I want someone I can trust, who will find me the best rate, and handle everything on time. Urvashi is exceptional in every area. I recommend her to everyone I know.
Great friendly service, goes above and beyond. Would highly recommend and will definitely be using UBM again.
Ready to find the right deal?
Book a free, no-pressure chat and let's talk through your situation. We'll tell you exactly where you stand and what your best options are.
★ 4.9 on Google · 120+ five-star reviews · Appointed Representative of Stonebridge