Thomas Anthony Financial Services Ltd t/a VK Financial is an FCA-regulated mortgage broker based in Birmingham, B3 3QR, specialising in Buy-to-Let, First Time Buyers, Remortgages and 1 other areas. Rated 5/5 from 16 reviews.
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Kate Moloney
28 Apr 2024I can't recommend Vass highly enough. He has been incredibly supportive, professional and knowledgeable throughout the process of securing a mortgage. I am half-employed and half self-employed so found it very helpful to have the support of a specialist to find me the perfect mortgage. Absolutely worth the investment.
Marianne Le Duc
1 Mar 2024I’ve used Vass Kohni as my mortgage advisor for many years. He is not only reliable, always there on hand and helped me out in the most relaxed manner, but he is a lovely individual. I couldn’t recommend him more.
fox grips
13 Oct 2023I was told by a work colleague of mine to speak to Vass Koni at Thomas Anthony with regards to getting my first mortgage. Vass was fantastic all the way through the process and really helped me to understand everything. As it being my first mortgage I was completely in the dark as to what I needed to do but Vass made the process very simple and straightforward. We are now moved into our first home and I can’t thank Vass enough for everything he’s has done for us. I will 100% be returning to Vass in the future and would recommend Thomas Anthony Financial Services to anyone!
rplp68
13 Oct 2023If there were better praise than excellent and five stars then I would give it. Look no further for a fantastic service than Thomas Anthony Financial Services. Not only have I received amazing help and advice but I have repeatedly recommended Thomas Anthony to friends who have also had excellent experiences in getting mortgage advice often with tricky issues like self employment or newly formed Limited Companies. I am in my house because Vass Koni and Thomas Anthony who went well above and beyond to get me there, I wouldn’t think of going to anyone else.
Paolo Bargiacchi
19 Aug 2021Vass Koni at Thomas Anthony Financial Services has provided an exceptional level of service to us as our mortgage advisor. Consistently responding to requests quickly, communicating clearly and getting results. Throughout the process his diligence in achieving the best for you is clear. I would recommend him to anyone & won't hesitate to take up his services again in the future.
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Regulatory Status
Direct Authorisation
Practical guides and explainers from our blog — relevant to this mortgage type.
The proposed UK holiday tax could cost £500 million and may increase costs for landlords and first-time buyers in the short-term rental market.
UK buy-to-let repossessions have risen by 10% in Q4 2025, with landlords facing higher mortgage repayments due to rising interest rates. Landlords with a £250,000 mortgage face an annual repayment increase of £1,975.
Rents outside London have flatlined for the first time since 2017, potentially impacting landlords. With increased borrowing costs and stagnant rents, landlords could face squeezed profits.
Buy-to-let lending increased by 18.2% in Q4 2025, driven by landlords refinancing existing loans. This led to increased rental yields and lower interest rates, benefiting landlords.
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Mortgage118 is an independent broker directory — not a mortgage broker or lender — and does not provide mortgage advice. All brokers listed hold their own individual FCA authorisation; always verify a broker's status on the FCA Register. Important: Your home may be repossessed if you do not keep up repayments on your mortgage, and you should think carefully before securing other debts against your home. Mortgage118 does not charge consumers. If you have a complaint about a mortgage broker, contact the Financial Ombudsman Service. Mortgage brokers are not covered by the Financial Services Compensation Scheme (FSCS) for mortgage advice — check with your broker directly about their professional indemnity insurance. Mattison Elm Ltd trading as Mortgage118 — Company No. 09831228 — Registered at 7 Bell Yard, London WC2A 2JR.
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