Leicester-based · UK-wide

Mortgage advice
that feels right.

Independent advice from Urvashi — over 20 years helping families, first-time buyers, and investors find the right deal. No bank bias. No jargon. Just honest guidance from someone who genuinely cares.

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FCA Regulated
120+ five-star reviews
90+ lenders searched
Urvashi Mandalia — Founder of UBM Financial Services
Hi, I'm Urvashi. Your adviser, start to finish.
120+ Five-star reviews
20+ Years of experience
90+ Lenders searched
90+ lenders searched
FCA regulated
One advisor from start to finish
No bank bias
Gujarati · Hindi · Punjabi spoken
Leicester-based, UK-wide
20+ years of experience
Free initial consultation
20+ Years experience
90+ Lenders searched
120+ Five-star reviews
4 Languages spoken
How we work

The UBM difference — and why it matters.

We keep things simple, honest, and genuinely useful. Here is what working with us actually looks like.

01

We search the whole market

Over 90 lenders, properly compared for your exact situation. Not just the two or three your bank happens to offer — the full picture, so you get the right deal, not just an okay one.

02

One advisor, 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.

03

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 — there is no such thing as a silly question here.

Mortgages

Whatever your situation, we've got you.

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.

01 — First time buyer

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.

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02 — Remortgage

Deal 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.

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03 — Moving home

Upsizing, 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.

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04 — Buy to let

Building 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.

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05 — Right to buy

Council 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.

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06 — Affordability

Not 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.

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07 — Self-employed

Sole 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.

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Quick tool

Try our free mortgage calculators.

Work out a monthly repayment, or get a rough borrowing figure — no email, no sign-up.

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Protection

Cover that actually has you covered.

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.

01 — Life insurance

If something happens, the people you love are taken care of.

Mortgage cleared. Family supported. Peace of mind that your household doesn't fall apart if the worst happens.

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02 — Critical illness

A 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.

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03 — Income protection

Your 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.

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04 — Home insurance

Buildings, contents, or both — without the nasty small print.

Proper cover that actually protects you. We compare options so you're not left with gaps you only discover at claim time.

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Urvashi Mandalia — Founder of UBM Financial Services
20+ Years of expertise
Meet Urvashi

Independent advice from someone who genuinely cares.

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.

🇬🇧 English ગુ Gujarati हि Hindi ਪੰ Punjabi
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What clients say

Real people, real results.

120+ five-star reviews on Trustpilot and Google. Not edited, not paraphrased — just what clients actually wrote.

"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."
— Narinder
"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."
— Harbham
"Great friendly service — goes above and beyond. Would highly recommend and will definitely be using UBM again. Couldn't be happier with how smooth everything was."
— Robyn
Read our 120+ reviews on: ★ Trustpilot ★ Google Reviews

Ready to find your perfect 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.

Book a free consultation →
07930 577 160 WhatsApp urvashi@ubmfs.co.uk