Mortgages & Secured Loans

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Registered Office: 50 Queen Street, Ramsgate, Kent CT11 9EE, Registered No.: 5957673 | Consumer Credit Licence No.: 601468
Universal Independent Mortgage Services is a trading style of USD Limited
which is an appointed representative of Genesis Home Loans Plc which is authorised and regulated by the Financial Services Authority
for the conduct of non-investment insurance and mortgage business. Not all mortgages are regulated by the FSA.
Genesis Home Loans Plc can be found on the FSA register (www.fsa.gov.uk/register) under reference 305920.
The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

all our advisors have at least five years experience in the mortgage market.
all our advisors are fully qualified with a Certificate in Mortgage Advice and Practice (CeMAP).

we always have been, and always will be, an independent mortgage broker. This means we have access to the mortgage market as a whole, rather than just a small select number of lenders as some other mortgage brokers prefer.

we DO NOT charge for arranging secured loans, life assurance or home insurance.
to ease the burden, we DO NOT charge any fees up front if you are a first-time buyer.
our maximum fees are Ł250 on application and Ł500 on completion of your mortgage. The exact amount will depend on your circumstances.