Complex made easy

OUR SERVICES

No matter what product you are seeking, or how complex it may appear to you - we have you covered! Please see a brief description below of the products that we offer. Contact us today to see how VIBE can help.

Here at VIBE we really care about getting to know you and your enquiry so that we can help you navigate what can be deemed a ‘commercial minefield’. Following some huge shifts in the mortgage market in recent years and the complexity of regulation, having a broker that fully understands both your needs and requirements is paramount – we know this more than anyone! If you would like to know further information regarding any of the below products – please feel free to contact us for an informal, no obligation chat, we’re here to help.

BUY TO LET

With the recent changes directly affecting Buy to Let landlords here in the UK – VIBE can add some real value in guiding and supporting our clients through those regulatory changes, ensuring we source the most suitable finance for their requirements. We can arrange finance for both limited companies and individuals, whether it be their first investment, growing their portfolio or looking to refinance to a more competitive rate – VIBE can help.

Most property types considered including Ex-Local Authority, non-standard construction
Up to 85% LTV (more if providing additional security)
Interest only Buy to Let options available
No maximum loan size
Limited company and individual applications
Loan terms from 2 to 35yrs
Competitive rates

HMO

The definition of Houses in Multiple Occupation is defined as a property rented out by at least 3 people who are not from 1 ‘household’ (eg a family) but share facilities like the bathroom and kitchen. Whether a small or large HMO, here at VIBE we specialise in not only the ‘vanilla’ type cases but also the more ‘complex’ ones – it’s simply the core of what we do! We’re here to help our clients whether experienced professionals or a first time landlord – contact us today to see how we can help.

Small and large HMO’s considered (no maximum number of bedrooms)
More than one kitchen acceptable
Maximum typically 75-85% LTV (more if providing additional security)
Licenced and unlicenced HMO’s
Competitive rates

COMMERCIAL / SEMI-COMMERCIAL

VIBE can assist with mortgage applications for individuals, limited companies, SPV’s, SIPP/SSAS and offshore entities. Whether they are looking to occupy the commercial property for their own business use or let as an investment, we help source the most suitable products for our clients based on their own individual requirements – all whilst offering a service that is second to none.

Trading business or investment
Most property types considered
Interest only available
Up to 75% LTV (more if providing additional security)
Competitive rates

BRIDGING

Ultimately when sourcing bridging finance for whatever reason – whether it be an auction purchase or even a collapse in a chain, here at VIBE we understand that speed really is of the essence and we can and we will deliver on our promise to make sure we do all that we can in securing our clients finance as quickly as is possible, ensuring all parties are on board.

Fast turnaround
No early settlement fees
1 to 24 month terms
Commercial and residential properties
Interest roll up or serviced
Competitive rates

REFURB/
DEVELOPMENT

Whether it be a new kitchen/bathroom for your buy to let or you’re converting an office to a block of flats, here at VIBE we can help source the required finance and ensure you have the funds needed to make those projects a reality.

Fast turnaround
Light, medium and heavy refurbishment
Pre-planning
Stage drawdowns available
No early settlement fees
1 to 24 month terms
Commercial and residential properties
Interest roll up or serviced
Competitive rates

SECOND CHARGE SECURED LOANS

Here at VIBE we can help in securing a second charge loan on your Buy to Let or Commercial investment property, whether you are raising the additional finance towards consolidation or to capital raise for further investment, no matter the reason we can assist.