Aarti Bharakhada - Virtuous Mortgages

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Aarti Bharakhada - Virtuous Mortgages

We’re here to help you with all your mortgage and protection needs in and around Leicestershire Virtuous Mortgages Ltd is registered in England and Wales.

Here at Virtuous Mortgages, we believe that all clients deserve a fair and ethical mortgage advice service and that’s the reason we exist. Aarti’s personal ethics and drive have inspired her to set up Virtuous Mortgages. With over 35 years in Financial Services, she is determined to help her friends, family and clients get the right mortgage by offering a simple, straightforward service and always

remaining true to what she believes in. Aarti is incredibly proud to be multi-lingual and can help people in Gujarati, Hindi or Punjabi as well as English so we can help you even if English isn’t your first language. We understand the cultural difference and that every client is different so we’ll tailor our service to you. She’s very close to her family and with 3 wonderful kids and 4 beautiful grandkids, she’s kept incredibly busy in her spare time. She fully understands how important your family is and why it’s so important to protect them and secure their future. Remember, your home may be repossessed if you don’t keep up mortgage repayments. No. 12687834. Registered Office: 17 Cumberwell Drive, Enderby, Leicester, LE19 2LB. Virtuous Mortgages Ltd is an Appointed Representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority. Cornerstone Finance Group Ltd is registered in England & Wales. No. 08458702. Registered Office: Unit E Copse Walk, Pontprennau, Cardiff, Wales, CF23 8RB. Virtuous Mortgages Ltd (No. 930737) and Cornerstone Finance Group Ltd (No. 767202) are entered on the Financial Services Register at https://register.fca.org.uk/

31/12/2025

As we step into a brand new year, we want to take a moment to say a heartfelt thank you.

We're incredibly grateful for the trust and support you've shown us throughout the year. Being part of your journeys, helping you make important decisions about your homes, and supporting you through life's milestones means more to us than we can say.

A new year often brings fresh goals, new plans, and exciting possibilities. Whether 2026 holds a move, a remortgage, a new investment, or simply more stability and peace of mind, we're here to support you every step of the way with honest, ethical advice you can trust.

We wish you and your loved ones a happy, healthy, and prosperous New Year, filled with joy, opportunity, and moments that truly matter.

25/12/2025

We want to take a moment to wish all of our friends, families, clients, and community a very Merry Christmas.

This time of year is a chance to slow down, reflect, and enjoy the simple moments that matter most – time spent with loved ones, shared laughter, and creating memories that last.

However you’re spending Christmas – surrounded by family, with friends, or enjoying a well-earned rest – we hope it’s filled with warmth, peace, and happiness.

From our family to yours, have a wonderful Christmas and we wish you health, joy, and good fortune in the year ahead.

21/10/2025

What a delightful and pleasant surprise when the postman knocked and delivered this parcel. Thank you so much Amit Rana. happy Diwali to you and your team. 🙏🪔🪔

20/10/2025

Wishing you all a bright and joyful Diwali

As we celebrate Diwali - the Festival of Lights - we want to take a moment to wish all our clients, friends, and community a truly wonderful celebration filled with love, laughter, and light.

For us, Diwali is a time to reflect, reset, and reconnect with the people who matter most. It's a celebration of new beginnings, hope, and the triumph of light over darkness - values that mean so much to us both personally and professionally.

At Virtuous Mortgages, our mission has always been to help people create secure and happy homes - places filled with warmth, stability, and love. This Diwali, we're reminded how special that really is.

Whether you're celebrating with family, friends, or taking a quiet moment to reflect, we hope this festival brings you peace, prosperity, and joy for the year ahead.

From our family to yours, Happy Diwali and a prosperous New Year.
With love, Aarti & Rakhi
Virtuous Mortgages

02/07/2025

I’m excited to announce that Rakhi Shah - Mortgage & Protection Advisor (my lovely daughter) will be appearing on Radio 2 Funky this evening at 7pm with Fishead Wallace talking about Mortgage myths!

Here’s the online link to listen: https://s6.citrus3.com:2020/public/radio2funky

Or tune in on 95.0FM or DAB – Radio2Funky

This is a huge milestone for us here at Virtuous and for me as a very proud mum! Well done Rakhi – can’t wait to listen to you on the radio tonight!

30/06/2025

If you have debt, you may still be able to get a mortgage

Having existing debt does not automatically disqualify you from getting a mortgage, but lenders will assess how well you manage your finances.

Lenders look at your debt-to-income ratio, which is the percentage of your income that goes towards repaying existing loans or credit commitments. If your debts are high compared to your earnings, this could limit how much you can borrow.

Paying off outstanding debts before applying for a mortgage can improve your affordability and increase your chances of securing a better deal. However, even if you have some debt, there are lenders who can accommodate different financial situations.

If you are worried about how debt might affect your mortgage application, speak to an adviser who can help you find suitable lenders.

Your home may be repossessed if you do not keep up mortgage payments.

23/06/2025

Are you thinking about Buy-to-Let?

Here’s what you need to know…

If you are considering investing in a rental property, it is important to understand how buy-to-let mortgages work. Unlike residential mortgages, these loans are assessed based on the potential rental income the property can generate.

Most lenders require a deposit of at least 20-25%, and they will assess whether the expected rental income covers the mortgage payments, usually with a buffer. Some lenders may also consider your personal income.

Buy-to-let investments can be a great way to generate income, but there are also tax implications and regulations to be aware of, including landlord responsibilities and property licensing requirements. If you are thinking about investing, getting expert advice can help ensure you make an informed decision.

Your home may be repossessed if you do not keep up mortgage payments.

08/06/2025

I usually get asked whether you should overpay your mortgage?

Typically, overpaying your mortgage, even by a small amount, can help you save thousands in interest and shorten your loan term. Many lenders allow overpayments of up to 10% of the outstanding balance per year without penalties, but it is important to check your mortgage terms.

If you have extra funds available, making additional payments can reduce the amount you owe and help you become mortgage-free sooner. However, before overpaying, consider other financial priorities, such as emergency savings or paying off high-interest debt.

If you are unsure whether overpaying your mortgage is the best financial move for you, we can help you review your options.

Your home may be repossessed if you do not keep up mortgage payments.

27/05/2025

Remortgaging? Don’t miss your best rate!

If your current mortgage deal is coming to an end, you may be moved onto your lender’s standard variable rate (SVR), which is often higher than your previous rate. This could result in increased monthly payments.
Remortgaging allows you to switch to a new deal, potentially securing a lower interest rate and reducing your payments. You can also use remortgaging to release equity from your home for renovations or other expenses.

It is best to start looking at your options a few months before your current deal ends, so you have time to find the best rate. A mortgage adviser can help you compare deals and navigate the application process.

Your home may be repossessed if you do not keep up mortgage payments.

20/05/2025

The truth about 5% Deposit mortgages

Saving for a deposit can feel like a huge hurdle if you’re a first time buyer, but the good news is that you do not always need a large sum to buy a home. Some lenders offer mortgages with just a 5% deposit, which can be helpful for first-time buyers struggling to save a larger amount.

However, there are some important factors to consider. A smaller deposit usually means higher interest rates, as lenders see it as a greater risk. Additionally, having a higher loan-to-value ratio (LTV) means your monthly repayments may be higher.

If you can save more and reach a 10% or 15% deposit, you may be able to access better mortgage deals. If you are unsure whether a 5% deposit mortgage is right for you, we can help you weigh up your options and find a lender that suits your needs.

Your home may be repossessed if you do not keep up mortgage payments.

16/05/2025

Here at Virtuous Mortgages, we believe that all clients deserve a fair and ethical mortgage advice service and that’s the reason we exist.

“Excellent service, the mortgage process was stress-free. Aarti was on hand through the whole purchase process to help me even on matters not related to the mortgage.”

Love this review from Jacob and we’re so pleased we could help Jacob!

12/05/2025

If you’re self-employed, you can still get a mortgage

Getting a mortgage when you are self-employed can seem more complicated, but it is definitely possible. The key difference is that lenders will need proof of stable income, as they cannot rely on payslips from an employer.

Most lenders will ask for two to three years of tax returns, showing consistent earnings. They may also request bank statements, business accounts, and proof of ongoing work. Some lenders are more flexible than others when it comes to self-employed applicants, so it is important to find the right one.

Keeping personal and business finances well-documented and maintaining a good credit score can improve your chances of securing a mortgage. If you are self-employed and looking to buy a home, we can help you find the best mortgage options tailored to your situation.

Your home may be repossessed if you do not keep up mortgage payments.

Address

Leicester

Telephone

+447429317497

Website

http://www.virtuousmortgages.com/

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