Urban Financial Services

We provide Independent advice on all types of Mortgage Finance in both mainstream and specialist areas such as Complex Income Types, Fixed Term Contractors, Self Employed, Limited Company Directors, Investment Properties (Buy to Lets) for personal and SPV/Limited Company ownership, Ex-Pats and Older Borrowers.

Independent advice means that we have no restrictions when researching the market to obtain the most cost effective solution. We work for the client and the advice we provide has been tailored to their circumstances and requirements, ensuring they have the very best advice with access to market leading rates.

Residential Mortgages

First Time Buyers, Purchase and Remortgage
Rate Switches
Additional Borrowing
Secure a new rate up to 6 months before current rate expires
Interest Only and Capital Repayment Methods

Self-Employed Mortgages

Sole Traders, Partnerships, LLP, Ltd Company Directors
1 year status
Borrowing based on latest years Net Profit
Borrowing based on Salary and Net Profit or Salary and Dividends
Interest Only and Capital Repayment

Fixed Term Contracts

Maximising Day Rate Income
IR35 Schemes
Umbrella Company based payment schemes
CIS Workers using pay slips/vouchers to maximise income
Interest Only or Capital Repayment

Specialist Lending

Foreign Nationals & Overseas Income
Ex-Pats
Adverse Credit
Bridging/Short Term Lending facilities
Interest Only or Capital Repayment

Equity Release/Later Life Lending

Aged 55 and over (no maximum age)
No Income required
Interest roll up or serviced facility
Lending based on property and equity
Purchases or Remortgage

Buy to Let

Personal or Company structured products
Stress testing based on tax status (unless corporate borrowing)
Personal income to support rental stress test shortfall
No income products
Family, Professional, Student, Multi Let and HMO (House of Multiple Occupation)

High Net Worth

Income & Asset based lending
Lombard Loans & Assets under Management
Global Income & Assets included
Interest Only & Capital Repayment products
Tailored Product Pricing

Personal Protection Planning

Cover for Mortgage debt
Cover for Family planning
Life, Critical Illness, Family Income Benefit and Income Protection
Lifestyle Cover
Budget based products

Business Protection Planning

Tax-efficient Life Cover for Ltd Company Directors
Cover for Shareholders
Business Key Persons Cover
Business Loan Cover
Sole Traders, Partnerships and LLPs

We are dedicated to creating a meaningful, long-term relationship with you that is based on understanding, knowledge and commitment to progress. We are a company of action: proactive, professional and committed to creating long-term success and financial progression for you, our client. Urban Financial Serivices provide Independent advice across the India.

Contact us and meetings to suit you

SPECIALIST MORTGAGE FINANCE

AREAS OF ADVICE