• Home
• About Us
• Mortgage
  • Remortgage
• Home Loans
• Insurance
  • Accident & Sickness
  • Unemployment
  • Buildings
  • Contents
• Credit Problem
  • Adverse Credit
  • Bad Debt
  • CCJs
  • IVA
  • Debt Advice
• Contact Us

Debt Advice

Universal could help you bring any credit problem or issue to an end.

If you haven't already, download the National Debt Line Help Pack ( this is the England and Wales version ) Follow this link for Scotland

Some credit problems can be dealt with faster than others and of course, credit problems come in many guises.

We can help you arrange a loan, mortgage or remortgage, even if you are experiencing difficulty due to the following issues:

Adverse Credit Rating
Bad Debts
CCJs
IVA or anything else that has affected your credit rating.

Universal are specialists in helping people with credit rating issues, obtain loans, mortgages and remortgages.

Contact Us today and we can discuss your options.


Mortgages: The overall cost for comparison is 8.9% APR.
The actual rate available will depend upon your circumstances. Ask for a personalised illustration. APR variable and based on a usual case.
Loans: Typical 12.9 % APR (variable)

Fees charged on completion vary according to the sum borrowed and can be included in the total sum of the mortgage, and in which case will accrue interest. £2,500 is an indication of our average fee.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.