Known as our mortgage queen, Sukhi is ruthlessly efficient and has an incredible eye for detail – she knows exactly how to get the job done. From start to finish, she’ll guide you through every step of the process, making sure you not only secure the right mortgage, but protect it too.

With her Northern roots shining through, Sukhi brings warmth, honesty, and genuine care to everything she does. That’s mortgage advice built in Lancashire, delivered in Birmingham (and beyond)!

Josh is a bit unique… he genuinely loves mortgages! With a real passion for helping clients save money and a deep knowledge of the market, his glowing Google reviews say it all. If Josh is your adviser, you’re in safe hands. He truly cares about his clients and supports them every step of the way.

When he’s not arranging mortgages, you’ll probably find Josh listening to country music or enjoying a good whisky (but we try not to hold that against him).

Our go-to expert for all things protection, Jon is our resident guru with a passion for helping people safeguard what matters most. He takes the time to understand your circumstances and designs tailored solutions that fit your needs and priorities. Once you’ve secured your property, Jon’s mission is to make sure you keep it protected.

Outside of work, Jon’s a talented singer – though (luckily for us) he chose the world of insurance over a career in a boyband.

Julie is the one who keeps everything running smoothly behind the scenes, AKA, the engine room of the team.

From missing bank statements to unsigned passports – nothing escapes her eye! She makes sure every case is perfectly packaged before it reaches the lender, ensuring the process runs as smoothly as possible.

Known as the unsung hero of VAULT FINANCIAL SERVICES, Julie is always on hand to answer your questions and keep things on track. With her trusty sidekick, Milo, by her side, she’s a cornerstone of VAULT FINANCIAL SERVICES.