So, I've temporarily still got my VM retail 200Mb connection for a few days, and just got my fresh install of VM Business (it was more cost efficient for me to take the entry business offering than what VM Retentions offered).
Anyway, using pfsense I was able to team both my connections. The result is fairly impressive for a home connection!!
So both hubs (Hub 3 and CGNV4) are in modem mode. My pfSense box is a J1900 Celeron with 4 LAN ports (so fairly low-powered, nothing beefy) - 2 of the NICs were setup as WAN interfaces and configured as a gateway.
Happy to take any questions whilst I still have this setup!