Advice built on
20 years of trust.
Mortgage and protection advice should feel like talking to a knowledgeable friend, honest, clear, and genuinely on your side. That's what UBM has been built around.
Expert advice, straight from your adviser.
Most people make the biggest financial decision of their lives without proper, expert advice. They borrow what a bank is willing to lend, or trust a comparison site to do the thinking for them. Nobody explains the small print, or checks whether the deal actually fits their life.
Urvashi founded UBM Financial Services to change that. After over two decades working in financial services, she saw the gap first-hand, and built a practice around filling it. Clear, unbiased advice every time, focused on your interests rather than the product that pays the most.
Today she works with first-time buyers finding their feet, families protecting what matters most, and investors building portfolios, all from Leicester, but covering clients across the UK.
Would you prefer to talk in your own language? Just let us know when you get in touch.
Five values that guide our advice.
These aren't aspirational. They shape every recommendation, every conversation, and every decision we make on your behalf.
Honest
We tell you if you're making a mistake. We won't say what you want to hear if it isn't right for you, even if it makes the conversation harder.
No bank bias
A wide panel of 90+ lenders, searched for your specific situation. Your best deal is what matters, not the product that pays us the most.
Expert
20+ years of experience, applied to your situation. You're getting real knowledge, not guesswork dressed up in confidence.
Accessible
Plain English, every time. You leave each conversation knowing what is happening and why.
Accountable
We're still here after the deal completes. Our name is on every recommendation. We don't disappear the moment the paperwork is signed.
Transparent pricing.
For mortgage advice, we charge a fixed fee, typically £600, depending on the complexity of your case. You'll know this upfront. There are no surprises, no hidden charges.
For protection products, we're paid commission by the insurance providers. We always recommend based on what's right for you, not what pays us most. We're open about how we're paid, just ask.
Free initial consultation
Your first conversation with us is always free. We'll talk through your situation, answer your questions, and let you decide if you want to work with us. There is no obligation.
How we're regulated.
UBM Financial Services Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
Firm reference number: 920317. Registered Company Number: 12313764. Registered in England & Wales.
Registered office: 9 Butler Lane, Broadnook, Leicester, LE7 6AA.
Why this matters
As an Appointed Representative of Stonebridge, we follow FCA rules designed to make sure we act in your best interest, and you have access to the Financial Ombudsman Service if something goes wrong. You're protected.
Ready to have a proper conversation?
Book a free, no-obligation chat and we'll talk through what you need.
★ 4.9 on Google · 120+ five-star reviews · Appointed Representative of Stonebridge