In trusting VIBE to look after you or your clients – we can assure you of our honest, professional and innovative approach which we are sure you will find surprisingly refreshing and we look forward to working with you time and time again!

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!

Kim McGinley



Nicolas background is predominately in finance, coming to VIBE after 12 years working for Lloyds Banking Group. Gaining an expertise in Mortgage Advising and the retail aspect of banking – customer facing roles being the fundamental part of the role. With experience in dealing with customers, valuers and solicitors direct, Nicola has an excellent understanding of the demands that our clients have and prides herself on ensuring that they receive the best service at all times.

Nicola loves keeping fit when she isn’t busy running around after her 2 young children

Nicola says; “I am excited to have now been given the opportunity to work for VIBE and alongside Kim whose ethos is that the clients experience is the best it can possibly be from start to finish! I am looking forward to seeing what the future holds for all at team VIBE!”

Nicola Kelly​

Case Manager

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”

Beth Clayton​

Case Manager


Please feel free to complete our form and one of our friendly team will happily contact you.

VIBE Finance are UK mortgage specialists in property
based finance for all types of commercial and residential property investments.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it

All Loans subject to status
VIBE Finance is a trading name of VIBE Financial Services Limited.
VIBE Financial Services Limited is registered in England and Wales No.10979822. Registered office: VIBE Finance, H4 Daedalus Park, Daedalus Drive, Lee on the Solent, PO13 9FX. All rights reserved. VIBE Financial Services Limited is authorised and regulated by the Finance Conduct Authority (No.798033) Not all of our products are regulated by the Financial Conduct Authority – please ask for details.


VIBE Finance
H4 Daedalus Park
Daedalus Drive
Lee on the Solent
PO13 9FX

Phone: 01329 277 599

Company Reg No. 10979822