UCB is a lender that you will probably be recommended to through a mortgage broker as most of their business is introduced by third parties. There are not the cheapest mortgages for standard base rates, but they do have some good deals with fixed rates, capped rates and discounts. The strength of UCB stands in their non-status mortgages, that is mortgages where the income of the applicants does not need to be proven to the same level as other lenders. This means that they can be a good lender for the self employed, or for people who have a lot of their income from overtime or bonus schemes. They are also good for other unusual situations such as strange buildings or buildings which need work carried out on them. They are also understanding if you do get into problems with the mortgage…as long as you talk to them. If you have a straight forward case with easy to prove income and no unusual circumstances then a high street lender may have a slightly better deal, but there is not a lot in it. The downfall is that although they offer a wide range of products for the higher amounts of lending (90% -95% of property value, 100% in some cases) their indemnity fees are quite high.