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Universal Mortgage Solutions was established in November 2003. Universal Mortgage Solutions is an Independent Mortgage Broker, meaning we work for you, the customer, and not a Financial Institution. John Davis (Partner) has been an Independent Mortgage Advisor/ Financial Consultant – for some 36 years and is well established and extremely knowledgeable in his field. As we are a fully Independent Mortgage Consultancy, we have access to every lender in the market (there are currently more than 150). This gives us access to over 5,000 products available to the general public as well as many others that are not.
We specialise in arranging Mortgages, both First Charges and Second Charges for prime cases and have many years experience in arranging Sub Prime Mortgages, for people with impaired credit.
At Universal Mortgage Solutions we can help cover your financial circumstances. We have specialist knowledge on providing mortgage solutions for clients that don’t typically fit the traditional lenders criteria and as such require a specialist mortgage.
We are able to help you improve your ‘bad credit rating’ and can help clients in the following circumstances:
1: Mortgage Secured Loan and Rent Arrears
2: Defaults
3: Individual Voluntary Arrangements (IVA)
4: County Court Judgements (CCJ’s)
5: Discharged Bankrupt
6: Repossession
7: Self Employed with No Accounts
We also arrange Commercial Loan Finance, Bridging Loans AND unsecured Loans, and we offer all our clients a free, no obligation, reminder service that lets them know when to Re-Mortgage and save money. This service saves our clients money and our clients find this to be a valuable service, as we appreciate that many of our clients lead busy lives and this solution helps them to keep their finances in check.
We are able to arrange finance for foreign mortgages, including:
Australia, Austria, Belgium/Holland, Bulgaria, Croatia/Montenegro, Cyprus/Greece/Greek Islands, Czech Republic, Dubai, France, Germany, Hungary, India/Sri Lanka, Ireland, Jamaica and the Caribbean, Morocco, Portugal, Romania, Spain and the Islands, Turkey, USA.
- Full Status, Semi Status and Non Status available
- Residential, Development and Commercial available
- Sterling, Dollars, Euros and Swiss Francs available
- Variable, Fixed, Capped and Collared Rates available.
Please contact us for further information.
Our advice and recommendation service is free.
During our initial meeting we will complete a Mortgage Factfind so that we can give you the appropriate and suitable advice. Once we have made our recommendations to you we will confirm our advice in writing (Reasons Why Letter). We only charge a fee for processing and arranging Mortgages. We are paid a fee from the Lender direct and we would discuss with you any fee that we charge which will be agreed before any work is undertaken. Our fee is payable within 14 days of the completion of the loan and if the loan does not go ahead, then the fee is not applicable.
REGULATION
We are based at Clarendon House, 125 Shenley Road, Borehamwood, Herts WD6 1AG, and are authorised and regulated by the FSA (Financial Services Authority). Our FSA Registration Number is 228716. Our permitted business is arranging and advising on Mortgages and General Insurance. You can check this on the FSA Register by visiting the FSA Website www.FSA.gov.uk/register/ or by contacting the FSA on 0845 6061234.
We are fully independent as defined by the FSA. This means we offer mortgages from the whole market and we advise you and make a full recommendation once we have assessed your needs.
If you wish to register a complaint please contact us:-
1: In writing to Clarendon House, 125 Shenley Road, Borehamwood, Herts WD6 1AG, U.K.
2: By telephone on 020 8207 7368
If you cannot settle your complaint with us you may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and circumstances of the claim. Further information about compensation and scheme arrangements is available from the FSA.
PROTECTION (INSURANCE)
The Insurance Industry has developed many different products to allow people to protect their family and lifestyle from events they are unable to control such as death, illness or redundancy. We are therefore able to offer the following products to our clients:
1: Life Assurance
2: Income Protection/Permanent Health Insurance
3: Critical Illness Insurance
4: Private Medical Insurance
We appreciate that Protection Products can be confusing and John Davis has been a Financial Advisor for over 36 years and is able to provide professional advice needed about protecting your family and oneself in respect of certain financial situations. It is also crucial that you take professional advice about protecting pay-outs from tax where possible. We are able to offer a free consultation to review your protection requirements and ensure you have sufficient cover in place.
Thank you for visiting our website!
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