Ved Finance

Ved Finance Mortgage & Insurance Services The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.

Your home/property may be respossessed if you do not keep up repayments on a mortgage or other debt secured on it. There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £399 to £549 and this will be discussed and agreed with you at the earliest opportunity

The guidance and/or information contained within this page is subject

to the UK reguatory regime and is therefore targeted at consumers based in the UK. VED finance, a trading style of Himanshu Bhadarka is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority

29/05/2026

Application to offer in 1 working day!

Himanshu Bhadarka t/a Ved Finance is an Appointed representative of HL Partnership Limited which is authorised & regulated by the financial conduct authority.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for mortgage advice. The precise amount will depend on your circumstances.

28/05/2026

Mortgage in principle declined!

Himanshu Bhadarka t/a Ved Finance is an Appointed representative of HL Partnership Limited which is authorised & regulated by the financial conduct authority.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for mortgage advice. The precise amount will depend on your circumstances.

27/05/2026

Not a done deal until EXCHANGE OF CONTRACTS

Himanshu Bhadarka t/a Ved Finance is an Appointed representative of HL Partnership Limited which is authorised & regulated by the financial conduct authority.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £399 to £549 and this will be discussed and agreed with you at the earliest opportunity.
The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.

26/05/2026

Adding a friend to your mortgage

Himanshu Bhadarka t/a Ved Finance is an Appointed representative of HL Partnership Limited which is authorised & regulated by the financial conduct authority.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £399 to £549 and this will be discussed and agreed with you at the earliest opportunity.
The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.

20/05/2026

Moving home whilst on a fixed rate

Himanshu Bhadarka t/a Ved Finance is an Appointed representative of HL Partnership Limited which is authorised & regulated by the financial conduct authority.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £399 to £549 and this will be discussed and agreed with you at the earliest opportunity.
The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.

19/05/2026

⛔️ Mortgage Offer Expiry ⛔️

Himanshu Bhadarka t/a Ved Finance is an Appointed representative of HL Partnership Limited which is authorised & regulated by the financial conduct authority.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £399 to £549 and this will be discussed and agreed with you at the earliest opportunity.
The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.

18/05/2026

Be ready before you view so when the right property comes along, you can make a confident offer.

✅ Mortgage In Principle agreed

✅ Deposit available

✅ Understand monthly payments & rates

✅ 2 solicitor quoted lined up

Himanshu Bhadarka t/a Ved Finance is an Appointed representative of HL Partnership Limited which is authorised & regulated by the financial conduct authority.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £399 to £549 and this will be discussed and agreed with you at the earliest opportunity.
The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.

15/05/2026

Avoid taking out any new credit agreements after receiving your Mortgage offer!

It can be tempting to make a purchase after you have received your mortgage offer, as many people become complacent. Lenders will often do a credit check before releasing the mortgage balance to your Solicitor if it comes to light that there is a new credit commitment, they can reduce the loan amount. This means you may not have enough money to complete the property purchase.

Himanshu Bhadarka t/a Ved Finance is an Appointed representative of HL Partnership Limited which is authorised & regulated by the financial conduct authority.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £399 to £549 and this will be discussed and agreed with you at the earliest opportunity.
The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.

14/05/2026

This client ended up paying £160 more per month on their mortgage than they needed to.

They had their existing deal which was due for renewal on the 31st of August 2026. They only contacted me in the middle of May. if they had taken action 6 months before, around first week of March, we could have secured them a much lower deal saving around £160 per month. This money will now go into the lenders pocket. Instead, the client could’ve used that money to overpay on tbeir mortgage, and even provide some financial security for his young family. This is why brokers always say ‘Act six months before your renewal date’. You absolutely have nothing to lose. If rates end up falling, we can opt for the lower rate before completion. If rates increase, as they have done in this scenario, we have secured the lower rate.

Himanshu Bhadarka t/a Ved Finance is an Appointed representative of HL Partnership Limited which is authorised & regulated by the financial conduct authority.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £399 to £549 and this will be discussed and agreed with you at the earliest opportunity.
The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.

13/05/2026

Halifax £5K Deposit Mortgage

•Only one customer on a joint application has to be a FTB (key the FTB as first applicant)

• Up to a maximum purchase price of £300,000

• £5,000 minimum personal deposit which cannot be gifted. Proof of deposit may be required

• Employed and self-employed customers; no minimum income level

• 5 year fixed rate product, with a £0 product fee available above 95% to 98.34% LTV

• A free Level 1 mortgage valuation will be included with these products.

Himanshu Bhadarka t/a Ved Finance is an Appointed representative of HL Partnership Limited which is authorised & regulated by the financial conduct authority.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £399 to £549 and this will be discussed and agreed with you at the earliest opportunity.
The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.

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Harrow
Harrow

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+44 7429 127560

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