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Mortgages 

Finding the right mortgage in today’s market can be tricky. Our aim is to make the process as painless and as transparent as possible for you! 
 
We offer a comprehensive range of mortgages from across the market but not deals that you can only obtain by going direct to a lender, which helps us find a suitable deal for your circumstances. 
 
Whether you are looking to buy a new home or remortgage your existing property we can provide advice to ensure you get the most appropriate mortgage. The mortgage market has changed dramatically in recent months and is very fast moving. Products change at short notice and all lenders have revised their criteria in terms of who they will lend to and how much they will lend. We provide you with the specialist advice you need so that you can make an informed decision on the solution that best suits your needs and circumstances. 
First Time Buyers - we could find the right deal to help you get on the property ladder. 
 
Purchases - we can help you find a mortgage for your new home. 
 
Remortgages - whether you want a new deal or are raising capital we could help. 
 
Buy to Let - find the right deal to secure your investment. In general Buy to Let mortgages are not regulated by the Financial Conduct Authority. 
 
Buy to Let Portfolio - We can offer advice for purchasing multiple Buy to Lets - portfolio of properties. 
 
Larger Loans - we could find you a great deal on your larger loan amount 
Our typical fees payable on application are 0-£499 dependant on work required. 
 
However most enquiries via our website qualify for a fee free service. Please quote reference VMH1007 (does not apply to adverse mortgages). 
 
‘Your home may be repossessed if you do not keep up repayments on your mortgage’. 

Insurances 

Buildings Insurance You should always have buildings insurance on the property you own or let. This covers you for rebuild costs after damage caused by floods, fire or other unforeseen events. 
 
Contents Insurance -This will cover your contents in case of loss, theft or damage. In the event of a successful claim you will get the item(s) replaced or the money to replace them. 
 
Life Cover - Life cover ensures that your family and/or business are protected when you are no longer around. 
Critical Illness Cover - Critical Illness cover pays out a lump sum if you either die or are diagnosed with a critical illness that meets the policy provider’s definitions. 
 
Income Protection - Income protection can provide a monthly income if you are diagnosed with an illness that may not be “critical” but is severe enough to stop you going to work for a lengthy period. 
 
Accident Sickness and Unemployment - This type of policy is designed specifically to ensure you can meet your monthly mortgage payments should you be unable to work for a period of time due to an accident or illness or becoming unemployed. This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk . 
Vikki Marie Houldcroft t/a VMH Financial act as a credit broker not a lender for buildings. contents and Private Medical Insurance. 
The typical cost is £5 per£100 of monthly benefit. This is based on someone aged 35 and with a 30 day waiting period. 
 
Business Protection - Business protection is all about insuring for the unexpected. It's a way of protecting all types of business if something goes wrong... 
 
We do not charge any fees for advice on our range of insurance products. 
 
Commercial Insurance is referred to a 3rd party. Vikki Marie Houldcroft t/a VMH Financial and PRIMIS are not responsible for any advice received from the 3rd party. 
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