Richard Spiers Vault Financial Services

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Richard Spiers Vault Financial Services Approved by The Openwork Partnership on 31/07/2026 ADV 38250.

Vault Financial Services is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

13/10/2026

Time for the important property questions. 👀

You can only choose THREE:

🍳 Big kitchen
🌳 Big garden
💻 Home office
🚗 Driveway
🛏️ Spare bedroom
🍻 Walk to a good pub
🌅 Amazing view
📍 Great location

What’s making the cut?

And more importantly… what are you sacrificing? 😂

Tell us your three below 👇

You spot two mortgages.One has the lower interest rate.Easy decision, right?Not always. 👀Mortgages can come with differe...
09/10/2026

You spot two mortgages.

One has the lower interest rate.

Easy decision, right?

Not always. 👀

Mortgages can come with different fees and terms, which means the deal with the lowest headline rate isn’t automatically the cheapest option overall.

This is exactly why comparing mortgages can feel a little like comparing apples with…complicated financial oranges. 🍎🍊

We can do the comparing and explain the differences.

You can concentrate on the important stuff. Like whether the new kitchen has enough cupboards.

Vault Financial Services is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 07/10/2026

As you repay your mortgage and property prices change, the amount you borrow compared with your home’s value may also ch...
29/09/2026

As you repay your mortgage and property prices change, the amount you borrow compared with your home’s value may also change.

This could influence which products and rates you are eligible for when it is time to review your mortgage. Eligibility will depend on your circumstances and the lender’s criteria. 📈🔑

A Just Mortgages adviser can help you understand where you currently stand: https://tinyurl.com/yhyatb2h



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 21/09/2026

When did you last look closely at the details of your mortgage?Knowing what you currently owe, the conditions attached t...
24/09/2026

When did you last look closely at the details of your mortgage?

Knowing what you currently owe, the conditions attached to your deal and whether any charges apply can help your adviser build a clearer picture of your needs. 🏠✅

Gather your latest mortgage statement and start preparing for your next review: https://tinyurl.com/yhyatb2h



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 21/09/2026

Six months can pass quickly, especially when there are finances, paperwork and lender requirements to consider.Reviewing...
22/09/2026

Six months can pass quickly, especially when there are finances, paperwork and lender requirements to consider.

Reviewing your mortgage ahead of time could help you avoid a last-minute rush and give you space to explore what may be suitable for your circumstances.🔍📄

💬Learn more about how you can prepare for your next mortgage: https://tinyurl.com/yhyatb2h



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 21/09/2026

🚨Base Rate Announcement🚨
17/09/2026

🚨Base Rate Announcement🚨

🏡 You do not necessarily need to be buying with a partner to become a homeowner.Whether you could buy alone may depend o...
17/09/2026

🏡 You do not necessarily need to be buying with a partner to become a homeowner.

Whether you could buy alone may depend on your income, available deposit, regular commitments, credit history and the price of the property.
Understanding your position early could help you set a realistic budget and focus your property search.

A mortgage adviser can help you understand your potential borrowing range and what could be realistic for your circumstances.

📩 Speak to a Just Mortgages adviser to take your first step towards home ownership: https://tinyurl.com/3wsbz5ms



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 07/09/2026.

Buying alone can mean managing each decision and cost independently, but you do not have to work everything out by yours...
15/09/2026

Buying alone can mean managing each decision and cost independently, but you do not have to work everything out by yourself.

A mortgage adviser can explain the application process, help you understand how lenders may assess your finances and explore options based on your circumstances.

You may discover that your plans are already realistic, that you need more time to prepare or that adjusting your property budget could help.

📩 Speak to a Just Mortgages adviser about your next steps: https://tinyurl.com/3wsbz5ms



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 07/09/2026.

Preparing your financial information before speaking to a mortgage adviser could help make your initial conversation mor...
10/09/2026

Preparing your financial information before speaking to a mortgage adviser could help make your initial conversation more productive.📄

You may be asked about your income, deposit, regular spending, existing commitments and the property price you are considering.

Income from self-employment, bonuses, commission or several sources may be assessed differently between lenders.

📩 Speak to a Just Mortgages adviser to find out what information you may need: https://tinyurl.com/3wsbz5ms



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 07/09/2026

🏡 Buying a home does not have to be something you do with a partner.Your mortgage options may depend on your income, dep...
08/09/2026

🏡 Buying a home does not have to be something you do with a partner.

Your mortgage options may depend on your income, deposit, regular outgoings, credit history and the price of the property you are hoping to buy.
A mortgage adviser can help you understand your potential borrowing range and whether home ownership could be realistic for you.

📩 Speak to a Just Mortgages adviser to explore your options: https://tinyurl.com/3wsbz5ms



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 07/09/2026

🏠 A missed payment doesn’t always mean your mortgage plans have to stop.Lenders may consider when it happened, how much ...
03/09/2026

🏠 A missed payment doesn’t always mean your mortgage plans have to stop.

Lenders may consider when it happened, how much was involved, whether it has been resolved and your current financial position.

If you’re thinking about buying a home, getting advice before you apply could help you feel more prepared.

🔗 Find out more via the link: https://tinyurl.com/yc3pwppa

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 24/08/2026.

🔍 Had credit issues in the past and unsure where you stand?Older credit issues may be viewed differently to recent ones,...
01/09/2026

🔍 Had credit issues in the past and unsure where you stand?

Older credit issues may be viewed differently to recent ones, especially if they’ve been resolved and your finances have been managed well since.
Every lender has different criteria, so it’s worth speaking to an adviser before ruling yourself out.

🔗 Read the full blog here: https://tinyurl.com/yc3pwppa

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.



Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 24/08/2026.

🔥 JOSH HAS OFFICIALLY CLOCKED OFF...🎰🍹For the next few days, Josh has swapped mortgage applications for margaritas and t...
25/06/2026

🔥 JOSH HAS OFFICIALLY CLOCKED OFF...🎰🍹

For the next few days, Josh has swapped mortgage applications for margaritas and the West Midlands for the bright lights of Las Vegas! 😎✈️

Don't worry though... we're pretty sure he won't be trying to remortgage the Bellagio... 🤞😂

A well-earned break after helping so many clients achieve their homeownership goals. We hope you have an amazing trip, enjoy every minute, and (hopefully!) come back with more money than you left with! 🎲🍀

We'll be welcoming Josh back to the UK on Tuesday 30th June—hopefully with plenty of stories... and his dignity in tact !

Enjoy Vegas, Josh! 🇺🇸🎉🍻

💚

05/06/2026

⛳️ Does a golf membership affect your mortgage affordability? 🤔🏡

It's a question we get asked more often than you might think!

When a lender looks at your mortgage application, they'll consider your regular monthly commitments and spending habits. That means things like gym memberships, golf club memberships, subscriptions, finance agreements and other ongoing expenses can all play a part in the affordability assessment. 📊

But don't panic! 🚫⛳️

Having a golf membership doesn't automatically mean you'll borrow less. Lenders look at the bigger picture and are often more focused on committed not discretionary expenditure.

So whether you're spending your weekends on the fairway, at the gym, or enjoying other hobbies, then go ahead and enjoy!🏌️‍♂️

☀️ Happy Sunny Bank Holiday Weekend from all of us at Vault Financial Services 💚After a busy few months helping clients ...
24/05/2026

☀️ Happy Sunny Bank Holiday Weekend from all of us at Vault Financial Services 💚

After a busy few months helping clients move home, remortgage, and plan for the future, it’s time to enjoy some well-earned downtime with family and friends 👨‍👩‍👧🍻☀️

Whether you’re firing up the BBQ, enjoying a cold b**r in the garden, or simply relaxing in the sunshine — we hope you all have an amazing Bank Holiday weekend 😎🍻

I've kicked things off with a little daddy daughter day with my partner in crime😂

Here’s to making the most of a rare sunny Bank Holiday in the UK! Enjoy people! 🇬🇧☀️

💚

💚 MENTAL HEALTH AWARENESS WEEK 💚 Money worries and mortgage stress can feel overwhelming sometimes 🏡But one thing we wan...
13/05/2026

💚 MENTAL HEALTH AWARENESS WEEK 💚

Money worries and mortgage stress can feel overwhelming sometimes 🏡
But one thing we want people to know is this 👇

👉 You are not alone
👉 There are always options
👉 Sometimes a conversation can make a huge difference

At Vault, we’re not just here when you need a new mortgage.
If your current mortgage, monthly payments or finances are causing stress or anxiety, we’re always happy to have a chat and help bring some clarity and peace of mind 🙌

No pressure.
No judgement.

Just honest advice from people who genuinely care 💚

Sometimes talking things through is the first step towards feeling better 🌿


Vault Financial Services is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 13/05/2026

📢 Base Rate Update – April 2026No surprises from the Bank of England today…The base rate remains at 3.75% 📊While it migh...
01/05/2026

📢 Base Rate Update – April 2026

No surprises from the Bank of England today…
The base rate remains at 3.75% 📊

While it might not grab headlines, this kind of stability is actually positive news ✅

👉 Less volatility in the market
👉 More predictability for homeowners
👉 A steadier environment for planning ahead

It’s another reminder that even when things feel very uncertain, there’s often more calm than chaos beneath the surface 🌿

🏡 Feeling like the mortgage market is all over the place right now? 📉📈You’re not alone… but here’s the good news 👇👉 You ...
21/04/2026

🏡 Feeling like the mortgage market is all over the place right now? 📉📈

You’re not alone… but here’s the good news 👇

👉 You can often secure your next mortgage rate earlier than you think

👉 That means less stress, more certainty, and no last-minute panic

At Vault, we’re all about bringing calm to the chaos 🧘‍♂️

Helping you lock things in early so you can focus on what actually matters 🙌

If your mortgage is due this year… don’t leave it too late ⏳

💬 Drop us a DM and we’ll talk you through your options

Vault Financial Services is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 20/04/2026

⭐️⭐️⭐️⭐️⭐️ Another 5 Star for Josh! “Josh has been brilliant, can’t rate him highly enough! Really appreciated his frien...
17/04/2026

⭐️⭐️⭐️⭐️⭐️ Another 5 Star for Josh!

 

“Josh has been brilliant, can’t rate him highly enough! Really appreciated his friendly manner and easy to understand approach.”

 

This is exactly what we’re all about at Vault 👇
✔️ Keeping things simple
✔️ Speaking your language
✔️ Delivering a 5⭐️ experience every time

 

Massive shoutout to Josh for doing what he does best 🙌

 






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⚠️ YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE 📖 “It’s not the end of the story — it’...
15/08/2025

⚠️ YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

📖 “It’s not the end of the story — it’s the beginning of a new chapter.” ✨

📢 After a successful journey as Black and Golds Mortgages, we’re proud to announce our rebrand to Vault Financial Services 🔐

Keep an eye out 👀 while we rebrand our social media 📲.

🤝 While the name is changing, the strong partnership with Black and Golds Estate Agents remains as solid as ever 🧱. Mike and his team have set the benchmark 📈 for how estate agency and mortgage services should work together - and that relationship will continue to thrive 🌱.

🏡 Black and Golds will keep doing what they do best: helping people buy and sell homes 🏘️.

💼 Vault Financial Services will now focus on delivering expert mortgage and Protection advice .

🚀 We're excited for what’s ahead - and proud to grow together 🌟

⚠️ YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE 🏠💷

📄 Vault Financial Services is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. 🏛️

✅ Approved by The Openwork Partnership on 31/07/2025

Address

20 Brownley Road
Solihull
B904QP

Opening Hours

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

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