UBM Financial Services

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UBM Financial Services

We provide clear, easy to understand mortgage and protection advice for first time buyers, landlords and remortgaging customers, in a number of languages.

Your home may be repossessed if you do not keep up repayments on your mortgage.

19/06/2026

Not sure if now is the right time to buy? Wondering if your current mortgage deal is as good as it could be? Not sure what protection you actually need?

You don't need to have all the answers before you get in touch - that's what the first conversation is for.

It's free, it's no-obligation, and it's a proper conversation about your actual situation.

📞 07930 577 160 💬 WhatsApp: 07930 577 160 🌐 ubmfs.co.uk

Let's figure it out together.

Your home may be repossessed if you do not keep up repayments on your mortgage.

18/06/2026

I started UBM Financial Services because I wanted to give people the kind of honest, straightforward mortgage and protection advice I'd want for myself.

No jargon. No pressure. No recommending something because the commission is better.

Every client I work with gets my full attention and advice that's genuinely in their best interest - whether they're buying their first home, protecting their family, or just trying to make sure their mortgage is still the right deal.

If you'd like that conversation, the door is always open.

- Urvashi 📞 07930 577 160 🌐 ubmfs.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

17/06/2026

Most people know about life insurance. Fewer people have income protection.

But statistically, you're far more likely to be off work long-term through illness or injury than to die before your mortgage is paid off. The bills don't pause while you recover.

Income protection replaces a portion of your salary so the mortgage, rent, utilities and food keep getting covered - even when you can't work.

It's usually less expensive than people expect, and it's one of the things we discuss with every client - not as an add-on, but because it genuinely matters.

Let's talk about whether you're properly covered → ubmfs.co.uk

As with all insurance policies, conditions and exclusions will apply.

16/06/2026

Before you apply for a mortgage, check your credit report - properly.

Not just one agency. Lenders can check all three: Experian, Equifax and TransUnion. They often show different things - and an error on one file that's not on the others can slow down or derail an application.

Check My File pulls all three together in one place, so you can see exactly what a lender will see.

🔗 Try it free for 7 days, then £14.99/month - cancel any time. Link: https://www.checkmyfile.partners/G88RBCC/2CTPL/?__efq=GzmHQ_Rb-IiKlXwUyhauY08GCoeksPa80ogEijvXpfM

Knowing what's on your file before we submit anything means we can plan properly. No surprises.

Your home may be repossessed if you do not keep up repayments on your mortgage.

15/06/2026

Mortgages are complicated enough without a language barrier.

We offer advice in English, Gujarati, Hindi, and Punjabi - because a financial decision this big should be fully understood, not just approximately understood.

If you or someone you know would feel more comfortable discussing their options in their first language, we're here for that conversation. 🤝

ubmfs.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. As with all insurance policies, conditions and exclusions will apply.

12/06/2026

When your fixed rate ends, your lender automatically moves you onto their Standard Variable Rate.

It's almost always significantly more expensive - and most people just let it happen.

Here's what that looks like in real numbers: 💷 £250,000 mortgage on SVR at 7.25% = ~£1,510/month 💷 Same mortgage on a new 5.5% deal = ~£1,195/month

That's £315 a month. £3,780 a year. £18,900 over five years. (Example based on a £250,000 mortgage. Your saving will vary.)

We can usually lock in a new rate up to 6 months before your current deal ends - so you don't have to rush, and you have real options.

When does your deal end? Let's have a look → ubmfs.co.uk 📆

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage.

11/06/2026

A comparison website shows you the headline rate. A good broker shows you the full picture.

Product fees. Early repayment charges. Overpayment flexibility. Which lender will actually approve you based on your specific situation. What the total cost looks like over the full term - not just the monthly payment.

We search 90+ lenders so you don't have to. And we tell you honestly when a deal is genuinely good, and when it isn't.

That's the difference. Book a free, no-obligation chat → ubmfs.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

10/06/2026

Most people sort their mortgage and think the job is done.

But here's the question we always ask: if you couldn't work tomorrow - through illness, injury, or worse - what would happen to the mortgage payments?

Life cover, critical illness and income protection aren't just boxes to tick. They're what keeps your family in the house if the worst happens.

We sort protection at the same time as the mortgage, because that's when it matters most - and because it's often less expensive than people expect.

Let's talk about what's right for your situation → ubmfs.co.uk

As with all insurance policies, conditions and exclusions will apply.

09/06/2026

Buying your first home is probably the biggest financial decision you've ever made - and you shouldn't have to figure it out alone.

We work with first-time buyers every day, across Leicester and the whole of the UK. We walk you through everything: what you can genuinely afford (not just what a lender will offer), getting your Agreement in Principle, finding the right deal from 90+ lenders, and staying by your side right through to getting your keys.

No jargon. No pressure. Just honest advice.

First step? A free, no-obligation chat → ubmfs.co.uk 🔑

Your home may be repossessed if you do not keep up repayments on your mortgage.

08/06/2026

You might notice things look a little different around here. 👋

UBM Financial Services has had a brand refresh - same name, same values, same honest mortgage and protection advice. Just a cleaner, sharper look that better reflects who we are and what we stand for.

Everything that matters stays exactly the same: the same personal service, the same no-pressure approach, and the same Urvashi at the end of the phone when you need her.

Come and have a look at the new site → ubmfs.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

Opening Hours

Monday	09:00 - 18:00
Tuesday	09:00 - 18:00
Wednesday	09:00 - 18:00
Thursday	09:00 - 18:00
Friday	09:00 - 18:00
Saturday	09:00 - 12:00

Website

https://www.ubmfs.co.uk/

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