Confident Advice for Your Home, Your Family and Your Future.
Oberoi Universal Financial Consulting Services provides whole of market mortgage and protection advice, helping people buy their first home, move house, remortgage and protect the people who matter most, with clear, honest guidance every step of the way.
Make an Enquiry
Tell us a little about what you need and we'll be in touch to arrange a friendly, no-obligation consultation.
Meet Your Principal Adviser
Harpreet Oberoi Principal Mortgage & Protection Adviser
Our goal is simple: to add real value to people's lives by helping them make informed mortgage and protection decisions with confidence.
Every client of Oberoi Universal Financial Consulting Services works directly with Harpreet from first enquiry through to completion. After completing his MBA, he developed a strong interest in financial services and the impact professional advice can have on people's lives, which led him to become a CeMAP-qualified Mortgage & Protection Adviser. He believes every client deserves honest advice tailored to their individual circumstances, not a one-size-fits-all solution.
- MBA (Master of Business Administration), University of Wales
- Certificate in Mortgage Advice and Practice (CeMAP), The London Institute of Banking & Finance
- Competent Mortgage Adviser (CMA), Simply Academy
Mortgages
Whether you're buying your first home, moving house, remortgaging, investing in a buy-to-let or self-employed and unsure where to start, we'll search a wide range of UK lenders to find a mortgage suited to you.
- First-time buyer, home mover and remortgage advice
- Buy-to-let, shared ownership and right to buy
- Self-employed, adverse credit and bridging finance
Protection
Your mortgage is only part of the picture. We'll help you understand how life insurance, critical illness cover, income protection and family income benefit can protect your home, your income and your family.
- Life Insurance and Family Income Benefit
- Critical Illness Cover and Income Protection
- Buildings, Contents and Landlord Insurance
Popular Mortgage Services
First-Time Buyers
Guiding you through every step of buying your first home.
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Home Movers
Support finding the right mortgage as you move up the ladder.
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Remortgages
Reviewing your mortgage before your deal ends could help you save money.
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Buy-to-Let
Tailored advice for landlords and property investors.
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Self-Employed & Business Owner
Specialist advice for company directors, contractors and the self-employed.
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Adverse Credit
Exploring your options if your credit history makes lending harder to find.
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Shared Ownership
Buying a share of your home through a Government-backed scheme.
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Residential Bridging Loans
Short-term finance to help bridge the gap between property transactions.
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Right to Buy & Right to Acquire
Helping eligible tenants buy the home they already live in.
Learn More →Protection Services
Critical Illness Cover
A tax-free lump sum if you're diagnosed with a specified serious illness.
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Income Protection
A regular income if you're unable to work due to illness or injury.
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Family Income Benefit
A regular income for your family if you pass away during the policy term.
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Life Insurance
A financial payment for your loved ones if you pass away during the policy term.
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Home Insurance
Protecting your property and belongings against life's unexpected events.
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Building and Contents Insurance
Combined cover for the structure of your home and everything inside it.
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Landlords Insurance
Specialist cover reflecting the risks of letting a residential property.
Learn More →Client Success Stories
Keeping a Retired Couple in Their Family Home
A specialist lending solution helped a retired couple stay in the home they had lived in for over twenty years.
Read Case Study →
Challenging a Valuation to Save a First Home
A careful review of a lender's valuation helped a young couple secure their first home as planned.
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Moving Home Despite a Cladding Issue
Careful planning helped a homeowner move to a new property while keeping their original home as an investment.
Read Case Study →What Clients Say
“Harpreet has been amazing for attaining our mortgage in principle and has guided us throughout the process. We're very grateful and look forward to finding our perfect home for our little family.”Elinor & Liam BealGoogle Review
“Incredibly knowledgeable, patient, and genuinely cares about getting the best outcome for his clients.”
Rajwinder Dhillon · Google Review“He successfully handled my complex mortgage application and made the whole process smooth.”
Kamaljit Dhillon · Bark Review