Complex made easy



George Sanford

George has over 5 years' experience working for one of the world's largest investment banks at JP Morgan Chase. His hard work and determination to succeed in a fast paced and results driven environment whilst providing best in class service to clients in terms of communication & outcomes are qualities he will bring to the VIBE team in his role as Specialist Advisor.

He is a keen home cook and loves nothing better than getting outside to cook over fire and sharing his creations with family and friends. George is also a big football fan and enjoys playing for his local Sunday league team as well as watching any sport he can find, in person or on TV!

07787 785 830 | [email protected]

Craig Smith

For over 10 years, Craig has been an accomplished and successful Business Development Manager. Driven by communicating with both existing and potential clients, he takes pride in providing the best possible service and delivering a product that exceeds expectation.

He is a proud father of two daughters and spends the majority of his spare time perfecting “Disney Princess” harmonies with Grace & Hallie. When not on the karaoke mic he enjoys fitness and laughing hysterically at goofy comedy flicks.

07880 573 766 | [email protected]

Kelly Rule

Kelly was catapulted into financial services some 17 years ago with her first job at Santander then working for a specialist mortgage packager working within their second charge team which came with a whole new set of challenges and rewards.

In 2005, a new lender specialising in commercial mortgages then opened called InterBay Commercial and the opportunity for a Mortgage Processer arose; Kelly started as a mortgage processor and went on to become an Underwriter. She had full autonomy over the decision making for certain cases within the bank and she learnt much about assessing the risk of property, applicants and the overall deal.

She went on to become a Business Development Manager covering the South West region managing all of the mortgage brokers within her area assisting them with their applications for Commercial, Buy to Let and Bridging applications. Kelly is now a Mummy to her beautiful 7 month old baby girl and a wife – so her home life is now very hectic and she is at a point in her life where a work life balance has never been more important.

07917 430 644  |  [email protected]

Beth Clayton​

Prior to working at VIBE, Beth worked for a number of mortgage lenders and has gained over 10 years mortgage experience in both high street and sub-prime lending. Beth has gained a thorough understanding of the whole mortgage process working alongside underwriters and on-site lenders, liaising daily with solicitors, brokers and clients in supporting them with all aspects of the lending process. Beth’s latest role was an on-site completion officer; ensuring cases met all completion requirements, deadlines and releasing funds.

Beth is a mum of 2 and loves spending her spare time with her family, watching her children enjoying their hobbies which is mainly football and gymnastics!

Beth says; “I am thrilled to be part of the VIBE team, and love the relationships I have already built with my colleagues, clients and the lenders. I am really excited about the future at VIBE, I look forward to using my experience in my new role to assist our clients and furthering my career with Kim and the team”

01329 277 599  |  [email protected]

Ciera Gadsby

Ciera joined the VIBE team as a Case Manager in March 2021 having previously been working for 5yrs for a mortgage brokerage as a Mortgage Administrator in the regulated mortgage sector. Ciera has since started her role as our Buy-to-Let Specialist Adviser and will play a vital role in helping VIBE grow. She is deeply passionate about helping and gaining clients trust whilst helping them navigate the course of purchasing or re-mortgaging their BTL properties.

07384 660 024 | [email protected]

Ellie Coker

Ellie has come from an administrative background in mortgages and is looking to further her career in the specialist finance sector. Providing support to the Specialist Advisors and Case Managers, she plays a vital role within the team.

She is a loving and outgoing bubbly person who loves to spend time with her family and friends.

01329 277 599 | [email protected]

Kim McGinley

Prior to setting VIBE up in early 2018, Kim had spent the previous 12 years working for specialist banks in the Commercial Mortgage industry working closely with a closed panel of mortgage brokers/introducers and with underwriting her own cases at the outset, she would oversee each case throughout the entire process through to completion.

This undoubtedly gave Kim the best oversight as to what challenges a lender faces and she saw a real opportunity to set up as a broker herself to utilise her skills and attributes gained throughout her career to really make a difference to her clients… and so VIBE was launched!

Kim is a (very) busy mum of 2 children and when she’s not working, she absolutely loves spending quality time with her family whilst trying to squeeze a run in here and there!

- NACFB Rising Star of the year award 2019
- Entrepreneur of the Year 2020, The News Business Excellence Awards

07824 490 993  |  [email protected]

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