VIBE Finance

Your Trusted Mortgage Advisors

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At VIBE Finance, we understand that navigating the world of property investment and mortgages can be complex.

That’s why we’re here – to make this journey straightforward and successful for you. We are experts in providing personalised financial solutions for buying homes and commercial properties.

Our Services

Navigate the lucrative world of property investment with our expert advice on Buy to Let mortgages. Our VIBE Finance team is knowledgeable about the Buy to Let market. They provide advice to help you increase your investment returns.

We assist you in navigating the complexities of property investment, from understanding market trends to choosing the right property. Our expertise extends to advising on tax implications, rental yield calculations, and portfolio expansion strategies.

We help you achieve your investment goals by offering solutions that match your financial objectives. Our service is designed to assist both new renters and experienced investors. We help you make intelligent decisions for your investment, allowing you to maximise rental income and growth.

Residential Mortgages

Embark on your home ownership journey with confidence through VIBE Finance’s Residential Mortgage Services. Whether you’re a first-time buyer, moving home, or looking to remortgage, our team of experts is here to guide you every step of the way.

We offer bespoke mortgage advice, tailored to your unique circumstances, ensuring you secure the best possible deal. Our commitment to excellence means we navigate the complexities of the mortgage market to find solutions that align with your home ownership dreams and financial goals.

We specialise in HMO houses, helping you with everything from licenses to room size rules for mortgages. Our expertise in HMO financing is unparalleled, offering bespoke solutions for this unique investment type. We help you navigate the regulatory landscape, ensuring your property meets all legal requirements while maximising its rental potential.

Our team provides insights into effective tenant management, occupancy rates, and maintenance planning. We know how important it is to manage cash flow in HMO investments. We provide customised advice to make sure your property is legal and makes money.

Discover flexible financing options with our second charge loans, ideal for extra funding without affecting your current mortgage. Second charge loans are a good option for obtaining funds. These loans can be used for various purposes such as home improvement, debt repayment, or property investment.

Our advisors explain second charge loans, so you know how they work and how they affect your finances. We assess your current mortgage and equity position to find the most suitable second charge loan for your needs. We give clear and truthful advice to help you make choices that benefit your finances.

For short-term funding needs or development projects, our bridging loan options offer quick and efficient financial solutions. Bridging loans can assist in financing property renovations, conversions, or new builds. They provide capital to bridge the gap between the purchase and long-term financing.

We know that development projects need funding quickly, so we work fast to get funding that matches your project’s schedule. Our team offers expertise in project assessment, cost analysis, and exit strategies, ensuring your development loan is structured effectively. We also provide support in navigating planning permissions and construction regulations, making us a comprehensive partner for your development endeavors needs or development projects, our bridging loan options offer quick and efficient financial solutions.

Secure your financial well-being with VIBE Finance’s Protection Services. Tailored to safeguard you and your loved ones against life’s uncertainties, our comprehensive range of protection plans includes life insurance, critical illness cover, and income protection.

Our expert team is dedicated to providing you with personalised advice, ensuring you have the peace of mind that comes from knowing you’re well-protected. Let us help you navigate through your options to find the perfect safety net for your financial future.

Why Choose VIBE Finance?

Expertise You Can Rely On

Our mortgage advisors have extensive experience and can assist you throughout your property investment journey. They possess deep knowledge and understanding of the mortgage industry, enabling them to guide you through every step. Our mortgage advisors bring a wealth of knowledge, having navigated the complexities of the mortgage market across various economic cycles. This experience is invaluable in offering you insights that are both practical and forward-thinking.

We know getting a mortgage can be overwhelming. Our aim is to make it easier for you, giving you clear and confident guidance throughout. Our team keeps up with market changes, interest rate updates, and regulations to provide you with the best strategies. We value trust and openness, making sure our relationship is more than just business and grows over time.

BUY TO LET
Purchasing a residential property to let as an investment.
SPECIALIST BUY TO LET
When a case typically does not fit the criteria of standard buy to let mortgage lenders, we can assist in sourcing the best product for your requirements.
BRIDGING (UNREGULATED)
VIBE are specialists in working to tight deadlines and this is needed more than ever for short term funding options like Bridging where speed is of the essence.
HMO
(no maximum rooms) A House in Multiple Occupation is a property rented out by at least 3 persons who are not from 1 'household' but share facilities such as the bathroom and kitchen – licensing (mandatory or additional) will depend on your local council.
COMMERCIAL (INVESTOR AND OWNER OCCUPIER)
We can source loans for all types of commercial property - either for you to occupy or let as an investment.
SEMI-COMMERCIAL (INVESTOR AND OWNER OCCUPIER)
Where the security has a commercial and residential unit – either let or owner occupied (providing the residential part is not occupied by you if more than 40%) then we can assist you.
DEVELOPMENT
If you are purchasing a property to undertake a 'ground up' development or converting from office to residential under a Permitted Development scheme – we can source the right development finance for you.
REFURB
More and more clients are exploring refurbishment products if they are looking to install a new kitchen or bathroom, or even for a full makeover/renovation of their investment properties. Whether it be a re-mortgage or purchase you are looking for, we can help you.
SECURED LOANS (UNREGULATED)
If you are looking to raise further capital by way of a secured loan (second charge) on your investment property, we can help you in finding the best product for your needs.
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Tailored Solutions for Every Consumer

Our mortgage advisors will provide personalised advice for different types of clients. This includes first-time buyers, experienced investors, and individuals looking to expand their property portfolio. Our advice is tailored to your specific financial goals.

We recognise that each client has a distinct financial background and investment objectives. Our approach involves a thorough understanding of your financial situation, investment goals, and risk appetite. This enables us to tailor solutions that are not just effective but also comfortable for you to manage.

We offer different mortgage options for different needs, like buying a home or investing in more complex plans. Our expertise extends to advising on various property types, including residential, commercial, and mixed-use properties. We assist you in selecting the appropriate mortgage for your financial planning. We offer options such as fixed-rate, variable-rate, and interest-only mortgages.

A Comprehensive Range of Services

We offer a range of mortgages and loans for different needs, including Buy to Let, commercial, and HMO financing. Our services are designed to cater to the diverse requirements of property investors and homeowners alike. Whether you are looking to invest in your first rental property, expand your existing portfolio, or venture into commercial property investment, we have the expertise to support your ambitions.

Our financing options are designed for rental property investors, specifically for Houses in Multiple Occupation, addressing their unique challenges and opportunities. We focus on bridging and development loans, offering flexible options for short-term funding or property development projects.

We offer many services and can handle different situations, from simple loan applications to complex financial structures that need customised solutions. At VIBE Finance, we offer everything you need for mortgages and property financing. We provide the best products and advice to meet your needs.

Our Commitment to You

As your mortgage advisor, our commitment extends beyond finding you the right loan. We are dedicated to building lasting relationships, offering ongoing support and advice as your property portfolio grows. At VIBE Finance, we don’t just facilitate loans; we foster partnerships that help turn your property aspirations into reality.

Get in Touch

Ready to embark on your property investment journey with a trusted mortgage advisor by your side? Contact VIBE Finance today. Our friendly team is here to provide you with expert advice and tailored solutions that meet your unique needs.

Phone: 01329 277 599

Email: [email protected]

Let’s make your property investment dreams a reality. Welcome to the VIBE Finance family – where your financial success is our priority.