Get the right mortgage advice for you
Over 15 years of financial experience to give you personal tailored advice. We have access to a wide range of mortgage lenders to provide you with the best advice possible.
Mortgage Services
We offer a range of different services to guide you through the mortgage process from start to finish, click below to find out more about each one.
Your home may be repossessed if you do not keep up repayments on your mortgage.
First Time Buyer
As a first-time buyer, the whole buying process can be daunting and stressful. We understand that and will be here every step of the way.
We will explain the entire process involved and how long it will take. Our journey will start from initial discussions on what you can borrow, to providing an agreement in principle. We also help with estate agents and solicitors right up until you get the keys to your first home.
Remortgage Advice
We are here to help to find you a better deal before your mortgage product is due to expire. Avoid paying the banks higher standard variable rate.
We can remortgage or we can look at borrowing additional money. Whether this is for home improvements, or to consolidate debt. Whatever the reason we can look at the options available to you. We will do a full review every time you remortgage as taking years off your mortgage term, even by a year can save you thousands of pounds.
Think carefully before securing other debts against your home.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Moving Home
You are in your home, but perhaps you need something bigger or wish to downsize. We can go through the options available to you.
We can assess your personal situation and can advise on what your mortgage payments will look like, making sure its affordable. If you are looking to downsize to a smaller home, we can discuss the best options available to you, whether that be a small mortgage on the new property or becoming mortgage free.
Buy To Let
Whether you are starting off with an investment property or looking to expand your portfolio, we are here to help.
We offer personal tailored advice to get the right mortgage for you to achieve your investment goals.
It’s important to understand the differences between buy to let mortgages and residential mortgages.
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority.
Right To Buy
This is where as a council tenant you will get the opportunity to buy your rented home at a discounted price.
We will be able to sit down and explain the rules and regulations and with our experience and knowledge of local councils, we will be able to help you become homeowners for the first time.
Affordability Calculator
The biggest and the most important question is how much you can borrow. We can give you an indication of the amount you could borrow.
We will tell you what potential mortgage payments will look like, as well as seeing if you can afford it after all your other expenses. We don't want you to take out a £200,000 mortgage if it is going to over extend you financially.
Conveyancing
We work with a network of property specialist law firms on a referral basis. They cover a wide range of conveyancing specialisms.
We can find solicitors who speak multiple languages, so we can find the firm that’s the perfect fit for your individual circumstances. We can provide full details of what is and isn’t covered as well as your tailored quotation. We aim to take the hassle away from you and keep the process as simple as possible.
Protection Services
Our range of protection services can give you the peace of mind that you and your family are looked after in case something was to happen. Please click through for more information.
As with all insurance policies, conditions and exclusions will apply.
Life Cover
Life insurance means you can continue to support your loved ones financially in the event of your premature death.
For mortgage protection, it allows your mortgage to be paid in full allowing family to remain in the home without the financial burden. For family protection, it allows a lump sum or a monthly benefit for your family so they can continue with their lifestyle. We can fully explain the importance of protecting your loved ones and find the best policies for you and your situation.
Critical Illness
Critical Illness is designed to pay out a sum of money should you be diagnosed with a critical illness. This is paid as a lump sum should you ever need to claim.
We can fully explain the importance of critical illness and protecting yourselves and loved ones and find the best policies for you and your situation.
Income Protection
We can look at securing a monthly income through protection policies, if you cannot work due to becoming ill or injured
Your income protection insurance will be able to support you in your time of need. It is designed to replace your salary in the event of an accident, sickness or injury. We can provide immediate cover once we have assessed your current financial situation.
Home Insurance
We can give you the peace of mind if something happens to your property that you are protected. We make sure you have the right cover for your home.
Whether its buildings, contents insurance or both we can talk you through the options and give you a personalised quote tailored to you and your home.
What People Are Saying on Trustpilot
Informative and friendly service.
“I was looking for life insurance that was meaningful and purposeful for my family, should we ever need it.
I was taken through my options in a friendly and informative manner before selecting an option that suited my needs. The costs were laid out and there were no surprises.
Everything was discussed and set-up on a single phone call. Very happy indeed.”
— Narinder
Urvashi is the best mortgage advisor in Leicester
“When finding a mortgage advisor I want someone who: 1) I can trust to share my financial situation in full 2) Will find me the best rate 3) Will handle the paperwork and get everything done on time with no excuses Urvashi is exceptional in every area. She is the only mortgage advisor I use, and have recommended her to all my family and friends (including my sons who both bought homes in the last few years).”
— Harbham
Highly recommend.
“Great friendly service. Goes above and beyond to help. Would highly recommend and will definitely be using UBM again in the future.”
— Robyn
Registered Office
38 Kingsgate Avenue
Leicester, LE4 3HB
Email: urvashi@ubmfs.co.uk
Phone: 07930 577 160