Mortgage Fact Sheet
Help to buy equity loans
Open to both first-time buyers and home movers on new-build homes
With a ‘Help to Buy’ equity loan, including London ‘Help to Buy’, you can add to your deposit on a new-build property, whether you’re a first-time buyer or moving home. Loans are available on homes worth up to the value of £600,000
You will need to have at least 5% of the property price as a deposit. The Government will give you a loan for up to 20% of the property price, and you’ll need to apply for a mortgage for up to 75% of the property price to cover the rest. In the March 2014 Budget, the Government extended ‘Help to Buy’ equity loans to March 2020.
The home you buy must:
- Be a new build
- Have a purchase price of up to £600,000 in England (or £300,000 in Wales)
- Be the only one you own
- Not be sub-let or rented out after you buy it
- Be one that you can show you can’t afford (if you’re applying in Wales)
HOW IT WORKS
With an equity loan:
- You need a 5% deposit
- The Government will lend you up to 20% (up to 40% in London)
- You need a mortgage of up to 75% for the rest (up to 55% in London)
You must buy your home from a registered ‘Help to Buy’ builder
EQUITY LOAN FEES
You’ll have to pay equity loan fees, but not for the first five years. In the sixth year, you’ll be charged a fee of 1.75% of the loan’s value. The fee then increases every year, according to the Retail Prices Index plus 1%. Your ‘Help to Buy’ agent will contact you to set up these monthly fee payments. You’ll also get a statement about your loan each year. Fees don’t count towards paying back the loan.
PAYING BACK THE LOAN
You must pay back the loan after 25 years or when you sell your home – whichever comes first. The amount you pay back depends on how much your home is worth (the market value).
REQUIRE FURTHER INFORMATION?
We can help you with your mortgage needs. Whether you’re a new customer or we’ve previously arranged a mortgage for you, please contact us to discuss your requirements.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage Factsheets
Our Feedback
Based on 127 reviews
Stephanie Howkins
09:33 25 Jan 21
We cannot fault our experience with Visionary Finance. Our advisor - Craig Stephen, was extremely helpful throughout our experience. He was friendly, approachable and professional from start to finish. Craig spent a lot of time finding many options that would suit our budget and explained each option clearly and answered the many questions we had with expertise. We can't fault the speed of the process from application to the mortgage being issued was extremely quick and helped with our wish of purchasing before the stamp duty holiday ends. We are extremely grateful to Craig and the team for helping and advising us to buy our dream home!
Lewis Bailey
14:44 19 Jan 21
Craig was extremely supportive and gave all the advice I needed on the lead up to remortgaging. His thorough approach and friendly nature made the whole process stress and hassle free. I will absolutely be getting in touch with Craig again for my future mortgage requirements. Making himself available to help whenever you needed some guidance, was testament to a service that's second to none!
Josh Warren
20:33 22 Dec 20
Lauren was very patient with us (indecisive) people and helped us come to a good decision in the end. Thank you to and to Visionary Finance for their Blue Light Offer.
jim ramsay
17:11 14 Dec 20
Craig gave great advice and managed this First time buyer & help to Buy mortgage from the start and steered us through all the potential pitfalls and managed to get us a great mortgage deal in a very short period of time. I have often thought going direct to Mortgage companies would save time but Visionary Finance have proved me totally wrong as there is no way I would have got a mortgage approved which was as good as this one was in the time it took Visionary Finance to get this all done!!!
Andreea Cos
07:45 14 Dec 20
Would highly recommend Lauren for her expert knowledge, for her ability to explain the process (and the options) simply and for finding the mortgage that was perfect for me. I wouldn't hesitate to use them again or recommend to my nearest and dearest.
Payal Trehan
09:10 10 Dec 20
We were assisted by Reeya & Lauren that simultaneously handled 2 applications for us. We cannot stress how happy we were with the service and the promptness!! Highly recommend these ladies and definitely will be using their services again when required.
Adrian Moldovan
20:16 30 Nov 20
Recently got a mortgage as a first time buyer with Visionary Finance ,with this occasion I want to thank Craig Stephen for his outstanding and very professional work,anytime I had any questions Craig was very helpful and friendly along this process.Highly recommended!
Rita Khanna
10:39 30 Nov 20
Excellent service and helpful.All team members who aided my mortgage application were formidable.Hiten was extremely knowledgeable and responsive to the market, Laurent was very helpful and quick to review and update me with changes and requirements throughout the process as was Amelia to follow up and chase paperwork required from and to 3rd parties. I couldn't fault any area, very thorough and supported my first time buying and mortgage application. Thank you all.
murali mohan
10:49 24 Nov 20
Their customer service is just wow! I made several requests for a BTL residential mortgage, BTL ltd company and a personal residential mortgage and also changed my requirements a few times. But Lauren especially was very patient and answered everything at the earliest. Amazing customer service.. just amazing!
Aneel Bilkhu
16:47 05 Nov 20
I just wanted to express my thanks to Warren and say how impressed I've been with his help and advice. It's been a complicated house buying process which but nothing has been too much trouble for Warren who has gone way above and beyond to help and he's been absolutely fantastic from start to finish and an absolute pleasure to deal with.I couldn't recommend him highly enough and will definitively be using him again; he really listens, knows his stuff and calmly comes up with solutions and ideas when under pressure when things aren't going to plan and his communication with us in terms of keeping us up to speed has been outstanding. Thanks so much Warren for all of your help and hard work in making the purchase of our new house a reality.
Katie Thomasson
14:17 26 Oct 20
I am a first time, single buyer who was struggling to get a mortgage on my own. Lauren was able to discuss all the available options for me as well as providing a fast, reliable and responsive service. At no point was I unsure about what was happening with my application as Lauren kept me up to date throughout and was able to offer her expertise and insights along the way. I would highly recommend Visionary Finance and Lauren in partcular for all of your mortgage needs!
J Johnson
15:32 13 Oct 20
Referred to the company by my estate agents. Haven't had the greatest experience with mortgage brokers in the past but Visionary were great. Craig Stephen dealt with my enquiry. He responded to all my queries quickly, kept me in the loop with every development and was able to obtain a full mortgage offer within a couple of weeks. Would definitely recommend using Visionary.
Roco Rong
14:59 05 Oct 20
Had a morgage renew, thanks again for Visionary Finance's work
Pete adams
11:09 01 Oct 20
Visionary Finance dealt with our application with efficiency and diligence in accordance with our needs.I would certainly consider using them again and would recommend them to others. They made the process easy for us!
John Mulhern
14:38 13 Sep 20
I have been so impressed with Visionary Finance. We worked with Craig Stephen who was always very professional, and was there to help answer any queries or questions day or night. His prompt responses were hugely appreciated and attention to detail really helped get our mortgage approved as quickly as possible. Thank you for all the help and we would definitely recommend him and the company to others.
Joe Todd
17:23 08 Sep 20
Marcus dealt with my mortgage on my first home, was very responsive and took the time to fully explain all of my options. What I imagined would have been quite a stressful process, was seamless and done in no time at all. 100% recommended.
Priya Ruparel
14:04 04 Sep 20
Jake has been amazing. Continually updating me and always available to discuss my lending options. Explained things clearly, so I could make the right decision. Brilliant service. Definitely recommend.
Amy Liu
13:54 02 Sep 20
Laurel and her team were very professional throughout the process. They were very responsive to all my queries and regularly updated me on the progress of the application. I would highly recommend!
Douglas Elder
20:47 01 Sep 20
In short, absolutely brilliant!I worked with Marcus, who made things so easy for us and has helped us secure our dream home. Super quick to respond, he was able to quickly identify numerous offers, with varying levels of value, interest rates and contract length, allowing us to set the payments which suited us.From there, he sent us the required documentation and was on hand to explain anything we didn’t understand - which was a fair bit! As a result, a process I was expecting to be tedious and stressful was really easy.After that, he walked us through getting our offer in principle and, finally, our confirmed application.All in all, a really smooth process which has taken a lot of the stress out of our house search.Thanks to Marcus and Visionary Finance!
Ram Vatturi
10:20 26 Aug 20
Jake has been assigned to look after our mortgage application. He has been very polite, extremely helpful, communicative and had demonstrated outstanding customer service skills, every-time he made us feel as a valued customer. He has provided us timely updates from the start to finish of this process, whenever I have contacted him for an update, I had always received a super-fast response. Jake and Hiten are highly knowledgeable people and has confidently referred us to the right product as per our circumstances. Hiten was regularly in touch to ask if we are happy with the service we have been receiving and case updates. I will definitely recommend their service to everyone as they are all highly talented people in their field. Thank You Jake, Hiten and Team Visionary Finance for successfully playing your crucial role in securing our dream house.
Linda Ruth
05:08 26 Aug 20
We were in need for a mortgage in very strict time limit. The situation wasn’t very clear to us and appreciate a lot that Craig took a lot of his time to honestly present us all the aspects of the deal so that we clearly understand what any decision will imply. He was very helpful, and proffessional he listened to what i had to say. He explained everything so clearly, I came off the phone feeling very happy and felt i was treated as a valued client.Excellent customer service!Thank you for your prompt service and very friendly manner, you were very honest and really helped us out, I can't thank you enough!
Andrew Bloom
14:21 21 Aug 20
We were looking for a new mortgage and were recommended to use Lauren Miller through a friend. Both her and Reeya Varja have been so professional and knowledgable, no matter when we have had a question; they have been prompt in responding and giving us the answer as soon as possible and have always gone above and beyond to help us. We couldn't have been happier and after a previous experience which was nowhere near to this quality we know that this isn't just par for the course.
E Mach
18:59 17 Aug 20
I've previously used Visionary Finance a few months ago and now using them again on another mortgage. Lauren Miller is very professional, responsive and efficient. Highly recommended.
Duncan Mutter
14:48 06 Aug 20
I was looking for a mortgage on a new property and was recommended Visionary Finance by a friend. I have used the services of several brokers/financial advisors in the past and I can say that straight away I was impressed by Visionary Finance professional approach. In spite of the issues arising from the lockdown, they were very attentive and responsive over the phone and via email. They were patient, adaptable and made the process of obtaining a mortgage straight forward. All in all a very thorough, open and professional service by very knowledgeable and friendly staff. I will recommend them to anyone without hesitation.
Kousar Attique
14:13 06 Aug 20
Visionary Finance have an excellent team. I have two mortgages and both dealt by Lauren Miller. She is very professional, she is always there to help and looks at every little detail. Doesn't matter if it's day or night she was always there to help. Lauren is a real asset to Visionary Finance. Thank you for helping me out. Strongly recommend Visionary Finance.
Navin Piyatissa
11:32 06 Aug 20
Our application was complicated from the beginning and Lauren Miller handled both our loan application very professionally, obtaining the most suitable mortgage for us. She went beyond, by coordinating and communicating with all parties concerned and ensuring that our mortgage applications were successful. It was a pleasure working with Lauren and would recommend her unreservedly. Thank you very much Lauren!
Jason Mills
10:34 04 Aug 20
Craig Stephen at Visionary Finance dealt with our case. His professionalism and positivity were second to none. Our case was pretty complicated and our mortgage application was submitted with lots of added hurdles because of the coronavirus pandemic. Other brokers had told us we were unable to get a mortgage at all, others told us they couldn't get what we needed...but Craig worked tirelessly to find the right lender for our situation and was exemplary throughout the process. He was the only one who was able to help us get our dream home. We were kept up to date at all times and even when we had a hiccup, Craig came to us with a plan to solve the problem. He was honestly the best thing about the whole process. We were astonished at the level of service we received - just incredible. We have recommended Craig at Visionary Finance to family and friends and will continue to do so. Furthermore, Craig is the only person we'll ever need to go to ourselves in the future. We could not be happier with the service provided by Craig and his team. They are the best!
Shaunak Upadhya
10:28 04 Aug 20
Brilliant team. Extremely professional and very friendly. Have used them a few times now and never been let down. The products they found were also better than what I found online and they helped with some unusual and difficult lending requirements too. Highly recommend this company!
Courtney Felce
13:31 25 Jul 20
All staff that helped me were very efficient and proactive in helping me with my mortgage application. They kept me up-to-date all the way through and there service is high class. Highly recommended to all. Thanks Dan
nellingtonium
14:03 17 Jul 20
I have used Visionary Finance to arrange two UK mortgages and am extremely pleased with the service. As an overseas investor Marcus and the team have always provided peace of mind, staying on top of and guiding me through the long and complex process. Between purchasing my first and second UK properties I actually had a deal go sour (mortgage lenders wouldn't lend but the developer was still calling completion) and Marcus worked overtime to put in place back-up loan options whilst negotiations for a deposit refund rumbled on (thankfully the loans were never needed). This "client first" approach is really reassuring and is why I would highly recommend VFL to any overseas investor needing to arrange a UK mortgage.
Meera Shah
13:12 16 Jul 20
I recently got a mortgage with visionary finance, the whole team was so helpful. Hiten was able to identify the best option for me at the time during lockdown within 24 hours, the entire team was so supportive through the process, and constantly keeping me updated rather than me ever having to call them. I would definetely recommend them.
Shreeya Panchal
11:51 10 Jul 20
Very quick and efficient service. Thank you for turning all my requests around quickly.
A b
11:49 09 Jul 20
Lauren was very efficient and proactive in helping me with my mortgage application, which was the more impressive as the fee was very good value for money compared to some of the other brokerage services I am aware of. I will definitely use them again in future.
Dino Pardhanani
10:18 09 Jul 20
Marcus Docker managed to secure 3 mortgages for us as portfolio landlords using his extensive knowledge of the market and mortgage options available. The scrutiny the lenders gave to the applications was laborious in view of the properties being high value new builds, the COVID-19 pandemic and the difficult mortgage market conditions generally, but Marcus managed to navigate a course which achieved great outcomes, with properties valuing up and minimum fuss to the clients, whilst using his expert relationship skills to update the developer on progress towards completion. I am quite sure working with someone else of a lesser calibre would have resulted in unsuccessful outcome - either rejected applications, being served notice by the developer, or worse. I will work Marcus again in future and would strongly recommend him to others. Best Wishes. D & F.
vicky chang
00:55 14 Apr 20
I am just waiting to say my appreciation for Lauren Miller and Craig who was extremely helpful and assisting. I wanted to say a big thank you to them both! They really went the extra mile for me.Highly recommended, especially as a BTL buyer, they were able to answer all my questions clearly and very timely.
Willie Skydancer
11:16 13 Mar 20
An excellent service. Craig and the team kept on top of everything until everything was approved and the mortgage offer accepted.
annica ljungberg
15:42 04 Mar 20
Fantastic team at Visionary Finance, great communication throughout the mortgage application! Definitely recommend
Pamela E
15:19 04 Mar 20
Lauren and Craig were absolutely amazing, extremely helpful and professional. They kept us informed in real time on all the developments of our application. The entire process was extremely quick and simple , we are really grateful for their assistance! I strongly recommend Visionary Finance
Ashish Majithia
07:28 26 Feb 20
Lauren and Craig were introduced to me by developer. Although I didn't buy the property from the developer, Visionary Finance were extremely supportive - in a process that can be daunting for an non-resident investor - in obtaining various options and guiding me through. They responded to my queries quickly and provided good advise all along the way! Thanks Lauren, Craig for all your help. This is the beginning of many more things!!
Oliver Kirk
10:46 19 Feb 20
Great, well informed and friendly staff made getting our mortgage stress-free. . Always easy to get hold of on the phone or email to answer any question we had through the mortgage process. Defiantly recommend.
Ali Hussain
12:59 09 Jan 20
I have to honestley say, I have dealt with many mortgage consultants in my time but none come close to the level of service I have received from both Lauren Miller & Craig Stephen.I was declined from every major broker you can think of and being charge for ridiculous fees upfront from some brokers and still not getting a mortgage offer from them.Along came Visonary Finance and Lauren. She was very diligent in her approach and very positive and managed to find me a mortgage deal when no other broker managed. Craig was always keeping me in the loop throught the process and always going out of his way to keep me posted.They are both a true asset to Visionary Finance.Both will be part of my POWER team as I am starting to build my BTL portfolio. No need to go anywhere else!
Parag Oza
21:45 08 Jan 20
A phenomenal team, who went out of their way to get the best deal possible in record time! A big big shout out to Jemma, who was brilliant!
Vlad M
13:40 17 Dec 19
Having had a chance to deal with these guys twice now (initial application and remortgage) I can certainly recommend them. Lauren Miller (Mortgage Consultant) has been nothing but very helpful start to finish. She's a credit to Visionary Finance.
Zoe Woodgate
10:14 12 Nov 19
Excellent Service, very fast, efficient and informative!
Filipa Grego
11:04 05 Nov 19
I honestly don’t have enough words to explain how good Josh Richardson and the team were, I honestly felt so helpless when I started the process of buy to let but Josh help, understanding and guidance made it happen!! And it was never too much trouble, he answer every email very quick and put me at ease every time, he even help/ did most of the Solicitadors work. Thank you so much, I am keeping these contact for ever 😁👍
Stuart Thacker
22:00 30 Oct 19
The customer service we received from Lauren & Craig was 1st class and we can’t thank them enough for their help and support through our mortgage application journey .When there were small issues along the way both remained positive and reassuring .Excellent professional service and we will be using them again in the near future .Thanks again .Stuart & David Thacker .
Nasir Syed
17:49 23 Oct 19
Marcus Docker, assisted by Jemma, was on my case and he is an absolute rock star! My case had several twists, turns and curve balls but Marcus was there every time to help us find a solution together with the other players. I will strongly recommend Marcus to anyone looking for a mortgage or just advice and will definitely be doing business again with Visionary.Thanks again Marcus and Jemma!
Carl Gray
11:23 02 Oct 19
Originally recommended to me by a friend. It's no exaggeration to say that Visionary Finance have been beyond brilliant. They are professional, informed, and personable, and have been incredibly supportive throughout my mortgage process, especially when difficulties with other parties have been encountered. I would highly recommend them for their mortgage brokerage services. Hayley, Laurel, Reeya, thank you for all your help.
amrita ahluwalia
20:00 17 Sep 19
Exceptional service at all points. Definitely look forward to working with the team again - quick, friendly, reliable and happy to help - made the process of remortgaging completely easy and hassle free.
Viveak Taneja
09:12 10 Sep 19
Very helpful, thorough and easy to understand responses from all of the team. What impressed me most was when one staff member was away from the office, another colleague was able to help exactly where we left off. Great firm and will be doing business again.
Kuljeet Chahal
09:03 07 Aug 19
Josh was really great in helping me to re-mortgage. He communicated clearly and frequently, explaining every step of the process clearly. He stuck out from other advisors we spoke to as he really gets straight to the point. My Father has also used Josh and as a family we look forward to working with him again.
Jason Beedle
11:40 06 Aug 19
Josh Richardson has been a pleasure to deal with. Always keeping us informed of the progress. Always explaining everything simply and in an understandable way. Would use them again in the future
Jodie Taylor
08:46 02 Aug 19
Amazing! I've used a few mortgage advisers in the past which I found really stressful as I was constantly chasing them. Lauren Miller got our mortgage affordability checked the same day. She's kept me up to date with our mortgage application the whole time and had our mortgage offer to us in a very short period of time. She made the whole experience very stress free and came up with some great recommendations to suit our situation!
Kille Hendrickson
07:45 13 Jul 19
Great service all around...I can't complain. I dealt with Josh inparticular and he went above and beyond, I must say. He was always there when needed and definitely went the extra mile, always willing and helpful.The team are great and I would most deifintely recommend and deal with them again in the future
Alexandra Filletti
09:17 08 Jul 19
The team at Visionary Finance were very helpful throughout my Mortgage application and were always quick to help with any questions and guidance throughout the process. Laurel was extremely helpful and always quick to respond to my queries or calls which made the process for me a lot easier and less daunting as a first time buyer. I would highly recommend using visionary Finance and I am very grateful to them for all their help and advice!!
Ajit Yadav
13:17 21 Jun 19
5 star for Josh.I have just put my mortgage application with help from Josh. He has been very helpful in finding good mortgage deals for me, with application, with all the qeuries I had. He is very friendly, and gives right advice. Hopefully my application would go through successfully.
Steve Brinkman
08:45 20 Jun 19
I was finding it very difficult to get the best mortgage rate. Online sites were going nowhere.Josh made everything easy to understand and went out of his way to make sure we had all the information necessary to make a good choice. and Visionary Finance helped me and my family to not only find a great mortgage but to manage our long term finances so we could live without the pressure of crushing mortgage payments each month.Thank you!
ellena pearson
15:26 19 Jun 19
Being self-employed, I thought I was doomed to get a mortgage without 2 years worth of accounts but once Laurel and Reeya were on the case, there was light at the end of the tunnel. They managed to secure my partner and I a very good rate. My friend recommended Visionary Finance and I certainly will be recommending their efficient service to others.
James A
15:11 12 Jun 19
The team at Visionary Finance have made my experience as a first time buyer an absolute breeze. As with all first time buyers I was completely swamped with information and was very cautious when choosing someone to help me find a mortgage, and as soon as I started working with Visionary Finance my mind was immediately put at rest. I had a lot of questions which were all immediately answered, and I was kept up to date very regularly on how my application was progressing (I didn’t have to chase anyone for an update once!). Believe all of these 5 star reviews - I would definitely recommend Visionary Finance!
Stewart Webb
09:21 12 Jun 19
Excellent service from Josh - the whole process went very well. Will definitely use again when we re-mortgage.
Ken Anwar
10:08 06 Jun 19
Very happy with the service provided by Visionary Finance, especially by Josh Richardson who worked on my case and was fantastic from start to finish. He was very informative and kept me up to date the whole way through. I would definitely recommend Visionary to anyone looking for a mortgage or just advice.
Claire Roberts
17:09 04 Jun 19
Great help with a re-mortgage that I thought was going to be a nightmare, they did all the leg work which made it easy and trouble free. Highly recommended!
Robyn Dickson
13:13 04 Jun 19
Lauren Miller and Craig Stephen have both been absolutely excellent. So fast in replying, so polite and friendly and extremely professional. I really appreciate your assistance thank you!
James Di Mambro
09:22 04 Jun 19
Josh Richardson worked on my case and was fantastic from start to finish. He was very informative and kept me up to date the whole way through. I would definitely recommend Visionary to anyone who is a first time buyer and seeking advise, no sales talk etc just good service.
George S
10:30 29 May 19
Our experience with Lauren is fantastic!The purchase itself is the most difficult one we have been dealing with. Due to reasons completely out of our control, our case is not straight forward and has been delayed not only by the builder but also valuer.Lauren is very helpful from the beginning of our application through the completion process. Lots of communication between our solicitor, builder, lender and even the valuer.Attitude is the key for whatever you do. We see the attitude from Lauren and her team with our case so we will obviously recommend Lauren to anyone who need a broker!Well done Lauren and a big thank you to the team! :)
Nabeel Lalji
11:59 22 May 19
Marcus and Jemma are absolutely amazing. They have worked above and beyond my expectations. Great assets to the company! Promotion required for both in my opinion
Paul Stedman
12:56 25 Apr 19
Highly recommended. Great Company to deal with from start to finish. Very efficient and always kept me in the picture regarding progress of my application. Hayley/Laurel thanks very much.
Ashish Ganatra
21:59 13 Apr 19
The service received from Visionary Finance was excellent. Their knowledge of the BTL mortgage market and lending policy ensured that I managed to get the best product based on my circumstances.They went the extra mile to understand my requirement before recommending Foundation Home Loans.With some issues arrising which delayed the process of completion, Laurel was very quick to help resolve the issue with the sellers solicitor amd the lender to get the property completed.
Cai Clarke
15:42 11 Apr 19
Thank you very much to Visionary for their help during my mortgage process. After a very long 6 months applying and getting passed from pillar to post, Visionary were able to get me sorted and with a company with pretty good rates.
Juliet M
10:36 03 Apr 19
Lauren was excellent and professional in helping me find a mortgage as a first time buyer buying a shared ownership house. From start to finish she was updating me and quick to answer any questions or explain anything l was not sure about. I cannot count how many email or phone calls l made to her but she was very patient and was always happy to help!! The process went very smoothly!! Also a special thanks to Craig who also helped me over the Christmas period. Great team, thank you!!
Camila Higgs
19:01 02 Apr 19
Hiten and Laurel were absolutely amazing! Very professional, responsive and knowledgeable. We managed to get a speedy process for two mortgages and all their support meant a smooth process under what can sometimes be a stressful time. I highly recommend them and will certainly be using their services again!
Rayner Camp
14:58 02 Apr 19
Fantastic service. very professional and easy to deal with.
robandtez ranson
15:42 27 Mar 19
All good so far...very helpful
Vicky Wellington
14:01 25 Mar 19
Excellent and professional service that helped me buy my dream home. Thank you and I would definitely recommend Visionary Finance for any Mortgage advice.
Lucy Ew
17:48 24 Mar 19
Lauren was very professional and absolutely marvellous from start to finish with the help from Craig too. We had a very complex mortgage with 3 person application and two property's to sell, one property in trust and a gifted deposit. We had already been to a broker who could not help us.This company is the best out there in our opinion. We would definitely recommend Visionary Finance to all our family and friends and anyone else.Many Thanks to all at Visionary Finance.Lucy and Paul.
Jessica Ruan
12:24 22 Mar 19
Visionary Finance were great at helping me with my recent mortgage application and offer. As a first time buyer it was pretty daunting for me, but they were a great help and were great at advising me on the best options available to me and when to apply. It all went a lot smoother than I could have expected, would definitely recommend.
Vanessa Asante
19:42 18 Feb 19
Josh Richardson gave us an exceptional service; very quick turn around time in getting us a mortgage offer and always made himself available to discuss matters with us at any time we needed. Cannot fault the service at all. He made the process for us as first time buyers smoother than we could have imagined!
Cristiano dos santos sampaio
18:32 18 Feb 19
Josh Richardson is hands down an asset in this firm, once again thank you for your efforts very much appreciated.
Danica Benham
09:15 11 Feb 19
Josh has provided us with an excellent and speedy service, and always very quick to respond to our emails and calls. We will definitely be using Visionary Finance again and would recommend them to others.Bhavish Unadkat
08:10 05 Feb 19
I got into contact with Visionary Finance regarding obtaining a mortgage and I was provided with exceptional service throughout. The whole team were very professional and always kept me in the loop and the process was completed efficiently. I would definitely recommend Visionary Finance to anyone looking for a mortgage!
Gary Bees
09:10 20 Jan 19
Great service. Will use on going.
Jonathan Couch
16:40 14 Jan 19
Josh provided excellent service as he guided us through our first steps into the world of BTL, sourcing suitable mortgage products and liaising between us and the lender. Everything was very simple and easy to do, and the application went through to offer stage in no time at all. Josh was extremely efficient, courteous, was always avaliable and kept in touch every step of the way explaining everything as we went along. I highly recommend Josh and Visionary Finance.
David Benham
08:35 14 Jan 19
Josh provided a great service arranging my BTL mortgage. I would use Visionary Finance again in the future and I recommend them to anyone requiring a mortgage.
Darren Crawford
17:00 07 Jan 19
Genuinely a fantastic service overall by Hiten, Laurel and Hayley. They were able to provide me with a great mortgage rate, which in the end saved me thousands compared to other rates provided to me. I cannot thank them all enough for their professional approach and their personable assistance in helping me with what turned out to be a fairly stressful buy to let. Thank you all!
James Norman
12:37 14 Dec 18
Great service from start to end. I spoke with Josh who was very efficient and knows his stuff. I would recomend Visionary Finance to anyone needing a mortgage or insurance. Thank you I will be back.
Mohammed Ravjani
14:03 01 Nov 18
Fantastic service, they are efficient and now their stuff. Laurel has been great throughout the Mortgage Application and got me a Mortgage offer in no time at all!
Jayshree paku Vyas
13:20 03 Oct 18
Lauren was an exceptional lady to work with. She got me through my application promptly, her response time was very good. Visonary Finance is fortunate to have her on their team.A difficult case , Lauren got the job done. Thank you.
Louise Swannell
12:35 20 Sep 18
Lauren has been absolutely amazing with her knowledge and services to our family. We presented her with a difficult situation and she provided us with mortgage quotes that we didn’t think possible. Although we changed our plans, she’s still helping us every step of the way. Her customer service is absolutely amazing. Couldn’t thank Lauren & the team enough for all the help they’ve provided us recently. Honestly would recommend them to anyone!!
Andrew G
14:19 17 Aug 18
5* client service from end to end process of my mortgage application.Thoroughly researched my needs and circumstances and kept me informed every step of the way.Big shout out to both Laurel and Hayley!Will definitely return for future needs.
Bradley Barrow
13:01 03 Jul 18
We presented a situation that every other Mortgage Advisor we spoke to said was not possible to Lauren and the team. Lauren took it in her stride and got us an offer without even breaking a sweat (even though there were even more issues along the way). I can't thank them enough for their hard work and would definitely recommend Lauren and Visionary Finance to anyone looking for a friendly and professional Mortgage Advisor.
Kate Gee
08:23 27 Jun 18
Visionary Finance was AMAZING!! - We were a difficult case they helped through from beginning to end! Friendly and approachable staff, quick to respond & very informative.
chris kwan
12:33 12 Jun 18
Highly recommend Visionary Finance, the service they provide is very efficient and helpful, My case was having few difficulties, but Thanks to Lauren Miller For the hard work and effort to help me to get this mortgage done. Thanks
Raj Mudhar
11:45 15 May 18
Marcus at Visionary Finance was brilliant! I was struggling to find a mortgage for a buy to let new build & was running out of time to complete but luckily was introduced to Marcus he managed to sort out a bridging loan to secure the property followed by a mortgage offer given my circumstances. Hats off to him!! Thanks once again to Visionary Finance & team!
Joel Yamoah
18:27 02 May 18
Excellent service by Lauren, she was extremely efficient, got things done to a very high standard and answered all queries very promptly and effectively. Completely hassle free mortgage process and would highly recommend Visionary Finance to anyone. Lauren deserves a promotion!
Shyam Panchal
18:56 29 Apr 18
Hiten, Laura and Hayley have done an amazing job getting me refinancing with precise. Well done
Evgenios Papadimitriou
15:36 25 Apr 18
Great service. Just got my mortgage offer with visionary finance.Extremely helpful staff.Replaying on all my email and question within minutes.Can recommend them enough.Thanks Laurel & Hayley.
Pravin Parmar
15:16 11 Apr 18
Extremely helpful and prompt. Lauren Miller was very efficient and her assistance made the process easy. Definitely consider Visionary Finance next time
Katie Man
20:56 04 Apr 18
I highly recommend Visionary Finance. Lauren helped me in getting a mortgage. She has been extremely helpful and supportive throughout the process. She always responded to my questions promptly. Very impressive with their service.
jason nortey
20:05 12 Feb 18
I am very positively amazed by the service offered by Lauren. She has been so calm, reassuring and easy to communicate with. My remortgage has been handled in such record time - this service puts high street banks to shame!! I can say that with confidence. Thank you Lauren and VF. I have already made a recommendation and I will refer several more.
Elina Cheung
17:34 06 Feb 18
Highly recommend Visionary Finance! Lauren helped me a lot in getting my mortgage done! Very efficient service as well!
Jenita Turnbull
13:04 15 Jan 18
Highly recommended. I dealt with Hiten and Laurel who were both extremely helpful and supportive throughout the entire mortgage process. Both delivered a 5 star service at every opportunity.
Masoud Ataei
08:58 22 Oct 17
I highly recommend Visionary Finance Ltd to everyone who are looking to get a mortgage. I got two mortgages with their helps and am 100% satisfied for their professional services.
Rhianna Murphy
09:46 29 Sep 17
Absolutely amazing experience with Laurel from Visionary Finance. she is a true credit to the company. Helped us so much with our mortgage offer and help to Buy. We certainly wouldn’t of been able to do it without her. I would without a doubt highly recommend here. And will use laurel again!
Gavin Stewart
01:51 22 Sep 17
I was badly let down at the final stage of approval for my mortgage from my residential lender. Hiten and Laurel sorted out two BTLs in record time for me. I recommend them without reservation.
Tim Robinson
16:22 18 Aug 17
Marcus worked tirelessly to find the right mortgage product for us. He was very knowledgeable, efficient and always available when needed. We would have no hesitation in using Marcus again.
Lisky the toyger
17:21 28 Jul 17
I recently purchased a property and Visionary Finance were recommended to us by the property developer to arrange a mortgage. Mine was a very difficult, near impossible case and Marcus at VIsionary managed everything so flawlessly.Since the start he knew what he was doing and of my requirements and within a short time he arranged funds. Was very always positive and available if there was a query or an update. I am very happy with VF and without their help I couldn't own this property. I would highly recommend them, especially Marcus, to anyone. Thank you very much, VF!
yani yankova
09:16 18 Jul 17
I'm more than greatful to Laurel for the amazing service and support during the process especially as first time buyer . She has made the process smooth and easy for me. If you need a broker service do not hesitate to choose visionary finance.
Kate Wainstein
14:23 05 Jun 17
Magicians! We have used them twice and have no hesitation in recommending them. Hiten and Laurel have been patient, professional, great communicators and all the more important, found us an excellent product in complicated circumstances. Thank you!
Priya Valentine
09:09 13 May 17
Hiten and Laurel provided an excellent service and we I highly recommend Visionary Finance. My husband and I were in the process of buying our new home and Hiten was very helpful in his advice which meant that the whole process was made so much easier for us. Laurel was extremely proactive in ensuring that our finance was progressed in time for our completion. I'd like to thank them for their assistance and we will definitely return to them in the future.
Paul Sun
11:10 25 Apr 17
I received 5* fantastic services from Laurel! I initially had an issue with my mortgage application because of my CC loan showing on credit file. Laurel managed to use another mortgage provider and got everything sorted for me within 2 weeks. Very impressive!! Fully recommend!!
Ravi Mehta
00:08 23 Apr 17
Marcus from Visionary Finance was extremely knowledgable, polite and kept me updated throughout the process of obtaining a mortgage for a new build buy to let property. The number of lenders that were available to us were extremely limited due to the particulars of the property. I used a well known mortgage broker and made an application to my preferred lender (whose rate was much better compared to the limited competitors), however unfortunately as they had already lent the maximum on that development they were unable to assist me.I was recommended to speak to Marcus, he assessed my situation carefully and was able to come up with a number of options and reassured me that we would work through this with plans b and c if needed. Marcus had a very good knowledge of the market and advised me which lenders would be suitable but what was particularly impressive was his relationship with the lenders. In the end he was able to speak to the lender who I had initially applied to with the well known broker and secure a mortgage with them and therefore secure the best deal for me.I have used a number of mortgage brokers in the past but this by far was the best experience despite the fact it was not a straightforward case with the devoplment being delayed. Marcus has always responded to my emails promptly even when abroad on holiday, this level of customer care combined with his knowledge and contacts means that I will definitely be using his services again and would have no hestitstions in recommending Marcus to anyone looking for a mortgage.Dr R Mehta.
Karan Bagga
19:49 22 Mar 17
Thanks for the first-rate service Laurel and Hiten. In particular, the communication was great - always very quick to respond with very helpful contributions. Would certainly recommend you to others and I intend to use in future transactions. Look forward to working with you again.
David Egbosimba
09:41 15 Feb 17
Laurel and Hiten expertly handled and guided me through a difficult mortgage application. I was regularly given clear and concise updates throughout the entire process. I highly recommend their services.
shivani patel
15:43 12 Dec 16
Amazing Service and very prompt. Sorted out my mortgage on a very limited time scale. Thanks Hiten and Laurel!
Chitra Selby
19:47 26 Sep 16
I can't recommend Hiten and Laurel highly enough - superb service; professional, efficient, diligent and a pleasure to deal with at all times.
David Blackman
09:05 11 Aug 16
Thanks Lauren and Hiten for the great service and the great interest rate. Very easy to do business with!
Hiten Sheth
08:23 01 Apr 16
wanted to say massive thanks to Hiten and laurel for their diligent work in getting our mortgages passed through efficiently. You guys were able to get our mortgages processed for us in less then 2 weeks, and overcome challenges that we faced.Thanks again.
Kunal Shah
14:58 14 Mar 16
Excellent service by Hiten and Laurel, they were really efficient and got things done promptly. Looking forward to working with them again knowing it will be hassle free.
Veronica Stanley
22:15 06 Feb 16
I have never had a project refinanced so fast and efficiently as Hiten has just done. As property investors this is key to running our business. We will definitely use him again as not only is he incredibly efficient, nothing is too much trouble, he always gets back to you, never keeps you waiting for answers and he is very personable.Thank you Hiten, we will be using you in the future.Veronica Stanley - J V Property Investors.
Aman P
19:11 03 Feb 16
Both Hiten and Laurel were magnificent! I have now used them now for 2x new build flats I have purchased recently. The turnaround for obtaining mortgage offers was incredible - I think in one case, it was less than 1 week from application.They are excellent at what they do - I will definitely use them for any future mortgages I may require and will not hesitate recommending them to others.Thanks again for everything!Aman
Manraj Johal
14:09 26 Jan 16
Hiten and Laurel were extremely helpful and supportive throughout the entire mortgage process. Highly recommended, especially as a first time buyer they were able to answer all my questions clearly and very timely.Manraj
Vivienne Liu
14:26 25 Jan 16
Very professional and efficient! We went for them last minutes before our completion date. Despite our urgent and a bit tricky case, Hiten and Laurel were being super efficient and executed very quickly. They did check the documents that we provided and tried to understand our situation as well and explained our case to underwriters and bank. And unlike most of other company always needs clients to chase them as for the progress, they did update with us once they got any news. The whole process only took less than 2 weeks.We really appreciate their effort and highly recommend them!
y xiao
10:54 25 Nov 15
The best mortgage broker I have ever used! It was a last minute BTL application but they were able to progress it swiftly, despite my tricky circumstance where I am borrowing more than 10 times of my annual income and the BTL property value was twice the value of my residential one. We went through several seemingly impassible hurdles as the lender's underwriter demanded a huge amount of audit trails, proofs and change of solicitors. But Visionary Finance made me feel supported throughout the entire journey. Their excellent negotiation skills and ability to push through urgent requests to lenders eventually yielded the best deal I could ever possibly get, and most importantly in time for completion. I am extremely grateful to their service and will definitely recommend it to everyone and use them again in future.
Chris Parsonage
11:54 13 Nov 15
Amazing service from VF. From start to finish, they are at your side, advising, recommending and making sure you are informed throughout the process.
Mary Phillips
10:26 09 Nov 15
Hiten and Lauren were very helpful. Hiten took time to explain the process. When we ran into delays with the mortgage provider Hiten made real efforts to keep the momentum going with the mortgage company, and we successfully bought the property. Hiten was clear at each step about what we had to do next. I have no hesitation in recommending Hiten.
