VIBE Mortgages & Protection

VIBE Mortgages & Protection VIBE Mortgages & Protection are a whole of market mortgage brokerage offering expert advice on all types of mortgages & protection! Registered No: 12946685.

Here at VIBE Mortgages & Protection we offer whole of market expert advice in all types of mortgages & protection including (but not limited to);

- First Time Buyers
- Help to Buy
- Re-mortgages
- Bad Credit Mortgages
- Self-employed Mortgages
- Buy to Let Mortgages
- HMO's
- Holiday Lets
- Mortgages for Ex-Pats & Foreign Nationals
- Limited Company Mortgages
- Self Build
- Bridging Finance

We

pride ourselves on going Above & Beyond for all of our clients, making dreams of property ownership become a reality! Speak to one of our expert mortgage & protection advisers today on 01329 277599 to see how we can help

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. VIBE Mortgages & Protection is a trading style of Vibe Mortgages Limited which is an Appointed Representative of Connect IFA Ltd which is authorised and regulated by the Financial Conduct Authority No 441505. VIBE Mortgages Limited Registered in England & Wales. Registered Office: H4 Daedalus Park, Daedalus Drive, Lee on the Solent, Hampshire, PO13 9FX.

Another day....another client call!Kim & Rhys just finished another great client call here at VIBE Mortgages. It's alway...
26/09/2024

Another day....another client call!

Kim & Rhys just finished another great client call here at VIBE Mortgages.

It's always a pleasure to help someone navigate their mortgage options with confidence!

At the end of the day, it's about building trust and providing clarity – ensuring every client feels supported, no matter where they are in their property journey.

Whether you're buying your first home or expanding your property portfolio, we're here with full market access and expert advice to guide you every step of the way!

Get in contact with an Advisor today!

Applying for a mortgage can feel daunting, but it doesn't have to be! 🏡 Whether you're a first-time buyer or looking to ...
23/09/2024

Applying for a mortgage can feel daunting, but it doesn't have to be! 🏡

Whether you're a first-time buyer or looking to re-mortgage, having the right steps in place is key✔️

Start by checking your credit score, gather all your financial documents (payslips, bank statements, ID), and make sure you're clear on your budget and deposit 💼

Next up? Speak to a mortgage advisor who fully understands your situation.

We're here at VIBE to guide you through every step of the process and help you find the best deal for YOU!

Ready to take that next step? Let's chat! 💪✨

Why Buildings Insurance is Crucial from Exchange, Not Completion! 🏠When you're securing a mortgage for your new home, it...
16/09/2024

Why Buildings Insurance is Crucial from Exchange, Not Completion! 🏠

When you're securing a mortgage for your new home, it's essential to have your buildings insurance in place - From the moment you exchange contracts, not just at completion.

Why? ❓

From the exchange, you are legally committed to purchasing the property. This means you take on the risk, so if anything happens to the building, whether it's a fire, flood, or other damage; you could be financially liable. ⚠️

Having buildings insurance in place from exchange ensures you're protected, giving you peace of mind during the home buying process. ✌️

At VIBE Mortgages, we always advise our clients to be prepared and secure their investment right from the start.

Don’t wait until completion; protect your future home today! 💜

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE MONTHLY PAYMENTS

Moving In Tips for First-Time Buyers from the VIBE team 🏠Congrats on your new home......but now what do you need to do?!...
13/09/2024

Moving In Tips for First-Time Buyers from the VIBE team 🏠

Congrats on your new home......but now what do you need to do?! 🤔

🏠 Update Your Address
Notify important contacts about your new address. This includes your bank, employer, insurance providers and the electoral roll. Don’t forget to update your driving license and car registration too!

🏠 Sort Out Your Utilities
Contact the utility providers (gas, electricity, water) and inform them of your moving in date. Take meter readings on your first day to avoid any disputes later. It’s also a good idea to shop around for the best deals on energy tariffs.

🏠 Set Up Internet & TV
Get in touch with internet and TV service providers early, as it can sometimes take a few weeks to get connected. Check out different packages to find the best one for your needs.

🏠 Check Your Council Tax Band
Make sure you’re registered with your local council for council tax. You can check your property’s council tax band on the government website and set up your payments accordingly.

🏠 Arrange Home Insurance
Ensure you have appropriate home insurance in place from day one - from exchange and not completion! This should cover both building and contents insurance to protect your new investment.

🏠 Get Familiar with Your New Area
Take some time to explore your new neighborhood. Find the nearest shops, pharmacies, GP surgeries, and other amenities. This will help you settle in quicker.

🏠 Organise the Moving Day
Label boxes clearly and prioritise unpacking the essentials first. Don’t forget to keep important documents and valuables with you during the move.

🏠 Meet the Neighbours
Introduce yourself to your new neighbours. Building good relationships early on can be helpful, whether it’s for local advice or just a friendly chat.

Moving into your first home is an incredible experience and with these tips, you’ll be well on your way to enjoying your new space!

Need more advice? Our team at VIBE Mortgages is here to help every step of the way 💜

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE MONTHLY PAYMENTS

Staying Connected with Halifax! 🤝At VIBE Mortgages, we understand the importance of maintaining strong relationships wit...
11/09/2024

Staying Connected with Halifax! 🤝

At VIBE Mortgages, we understand the importance of maintaining strong relationships with our lender partners, which is why we’re having an online meeting today with Halifax’s Business Development Manager. 🔗

We’re keen to learn more about their latest criteria updates, particularly the new **First-Time Buyer Boost**! This great change means first-time buyers can now borrow up to 5.5 times their household annual income, opening up more opportunities to get on the property ladder (subject to certain criteria). 🏠

Staying ahead of the game to provide the best options for our clients – that’s the VIBE way! 💜

PLEASE NOTE - YOUR HOME MAY BE REPOSSESED IF YOU DO NOT KEEP UP THE MONTHLY PAYMENTS

We’re currently helping a first-time buyer in Wales secure their dream home with a 90% LTV mortgage through NatWest 🏠Ori...
06/09/2024

We’re currently helping a first-time buyer in Wales secure their dream home with a 90% LTV mortgage through NatWest 🏠

Originally, we locked in a 5-year fixed rate of 4.99%, but our commitment to saving our clients money didn’t stop there. We’ve since secured two reduced rates, with the latest being 4.68%! ⬇️

This means their monthly payment has dropped from £1,347.60 to £1,333.37, saving them approximately £853.80 over 60 months (5 year fixed)

We’re continuing to monitor rates closely, ensuring our client gets the best possible deal right up until their purchase completes.

At VIBE Mortgages, we understand the challenges of buying your first home, re-mortgaging or moving home and we’re dedicated to easing the financial pressure wherever we can 🙏

There are times of uncertainty around the price drops, and what it could mean to property owners.

Get in contact with VIBE to ensure you'll always be one step ahead of the next shift in rates 💜

https://buff.ly/4d8yHNp

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE MONTHLY PAYMENTS

Why Choose  ? 💜At VIBE Mortgages, we're not just another mortgage broker.We're a dedicated team with a difference. With ...
04/09/2024

Why Choose ? 💜

At VIBE Mortgages, we're not just another mortgage broker.

We're a dedicated team with a difference.

With over 30 years of combined lending experience and a proven track record of success over the past six years, we’ve mastered the art of securing the best deals for our clients.

What sets us apart? It’s our unparalleled knowledge of the mortgage process, our commitment to living our core values every day, and the countless reviews and awards that speak to the exceptional service we provide ⭐

When you choose VIBE, you're not just getting a mortgage—you're gaining a team of experts who genuinely care about making your property dreams a reality.

Whether we’re huddled around a laptop, strategising on the best approach for your deal, or going the extra mile, we’re here to support you every step of the way.

Join the many satisfied clients who have experienced the VIBE difference. Let’s make your next move the best one yet! 💜

Call the team today to discuss your mortgage requirements 📞

Hints & Tips to consider when viewing a house to buy & move into! 🏠1. First Impressions Count ✅Pay attention to the neig...
02/09/2024

Hints & Tips to consider when viewing a house to buy & move into! 🏠

1. First Impressions Count ✅
Pay attention to the neighborhood. Does it feel like somewhere you'd be happy living? What’s the condition of nearby homes? Check the overall vibe—does it suit your lifestyle?

2.Structural Integrity ✅
Look beyond the cosmetic details. Inspect the roof, windows, and foundation for any signs of damage or wear. Cracks, damp patches, or uneven floors could indicate bigger issues.

3. Layout & Space ✅
Consider the flow of the home. Does the layout work for your family? Think about how you’d use each room and whether the space meets your current and future needs.

4. Natural Light ✅
Notice how much natural light the home gets. Bright, well-lit rooms can improve your mood and reduce energy costs.

5. Storage Solutions ✅
Don’t underestimate the importance of storage. Is there enough space for your belongings, or will you need to get creative with storage solutions?

6. Noise Levels ✅
Pay attention to the noise inside and outside the home. Are you close to a busy road or noisy neighbors? Visit at different times of the day if you can.

7. Potential for Improvement ✅
If you're thinking of making renovations, consider how easy or difficult it might be to make those changes. Check if there are any restrictions on what you can do with the property.

8. Energy Efficiency ✅
Ask about the property’s energy efficiency; look for double glazing, insulation, and the age of the boiler. These factors can significantly impact your bills.

9. Get a Feel for the Future ✅
Think long-term. Will this home suit you in 5, 10, or 15 years? Consider schools, transport links and any planned developments in the area.

10. Trust Your Instincts ✅
Finally, trust your gut. If something feels off, it might be worth reconsidering. This is one of the biggest purchases you'll make, so it's essential to feel confident and excited about your decision.

Ready to take the next step? Speak to our award winning team today!

What to Expect as a First-Time Buyer with VIBE Mortgages 🏠At VIBE Mortgages, we're here to guide you through every step ...
30/08/2024

What to Expect as a First-Time Buyer with VIBE Mortgages 🏠

At VIBE Mortgages, we're here to guide you through every step of your journey to home ownership.

Here’s what you can expect from our award winning team 🏆:

*Initial Consultation
Speak with one of our expert mortgage advisers to understand your options and receive tailored, bespoke advice.

*Get Pre-Approved
We’ll help you secure a mortgage in principle so you can confidently search for your dream home.

*Find Your Property
Once you've found the perfect place, we'll move quickly to get everything ready for your mortgage application.

*Full Mortgage Application
We’ll handle the paperwork and submit your application to the lender, ensuring a smooth process.

*Ongoing Support
We’re here for you every step of the way, answering your questions and keeping you informed until the keys are in your hand.

*Completion and Beyond
After your mortgage is approved, we continue to support you with any future needs or queries.

Let us make your first home-buying experience stress-free and exciting! 💜

https://buff.ly/4d8yHNp

Meet our Residential Mortgage Broker Kim!Whether you're looking to remortgage, purchase a new home, or take the leap as ...
28/08/2024

Meet our Residential Mortgage Broker Kim!

Whether you're looking to remortgage, purchase a new home, or take the leap as a first-time buyer, Kim is here to guide you every step of the way 🏠

With interest rates on the move, now is the perfect time to review your current mortgage. Kim is constantly monitoring rates and working to save our clients money by finding the best deals available.

Kim & Rhys work closely together on our clients mortgage requirements from initial submission to completion!

If you have a mortgage requirement for your residential home, don't hesitate to get in touch 📞

01329 277599
[email protected]

Let us help you make the most of the market and secure the best possible rate!

We have a promotion 🎉🎉🎉We are so pleased to announce that Rhys Walmsley has been promoted to Trainee Mortgage Broker 📣 R...
23/08/2024

We have a promotion 🎉🎉🎉

We are so pleased to announce that Rhys Walmsley has been promoted to Trainee Mortgage Broker 📣

Rhys has come from a regulated background and he loves nothing more than helping those get on the property ladder.

Rhys will be assisting our clients in obtaining the most suitable finance for their main residential homes; whether it be first time buyers, home movers or those re-mortgaging - Rhys will be working closely with our Residential Mortgage Broker Kim McGinley on delivering the VIBE way! 💜

To speak to the team about your residential mortgage - call us today on 01329 277599

We’re really excited to announce our new partnership with Complete FS as our FCA application as an Appointed Representat...
05/03/2024

We’re really excited to announce our new partnership with Complete FS as our FCA application as an Appointed Representative is now official! 👏🏼

Starting a new journey for our brand helping clients with their residential mortgage & protection needs 🏡

Exciting times! 💜

Address

Unit H4, Daedalus Park
Lee-on-the-Solent
PO139FX

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441329277599

Website

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