Rakhi Shah - Virtuous Mortgages

Rakhi Shah - Virtuous Mortgages Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Rakhi Shah - Virtuous Mortgages, Mortgage brokers, Enderby, Leicester.

22/10/2025

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

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.

Tune in to hear me share insights in my upcoming radio interview—check out the flyer for details! 📻🎙️
23/06/2025

Tune in to hear me share insights in my upcoming radio interview—check out the flyer for details! 📻🎙️

If you’re self-employed, you can still get a mortgage!Getting a mortgage when you are self-employed can seem more compli...
19/05/2025

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.

What an incredible day, yesterday at the event at Coventry Arena!It was a special milestone for me and my Mum Aarti Bh...
14/05/2025

What an incredible day, yesterday at the event at Coventry Arena!

It was a special milestone for me and my Mum Aarti Bharakhada - Virtuous Mortgages -our first event attending as a team since I joined the family business and it was great to experience it together.

Huge thanks to Paul Purewal and Kirsty Grenfell-Williams Coventry Building Society for hosting such an insightful and well-organised day.

It was fantastic connecting with Calum Sayer from Truffle Specialist Finance, hearing from Mark Flaherty at Bupa who delivered a brilliant session on private medical insurance, and engaging with Guardian, who gave an excellent overview of their variety of protection products, including life cover, critical illness, and income protection – all essential to our role as advisers.

Looking forward to many more events like this, building strong relationships, and continuing to grow in this ever-evolving industry.

What credit score do you need for a mortgage?Your credit score plays an important role when applying for a mortgage, but...
05/05/2025

What credit score do you need for a mortgage?

Your credit score plays an important role when applying for a mortgage, but there is no single number that guarantees approval. Each lender has its own criteria, and they will look beyond just the score to assess your financial stability.

A higher credit score generally means better mortgage deals, with lower interest rates and more options. If your score is lower, you may still be eligible, but the choice of lenders could be more limited, and you might need a larger deposit.

If you are unsure about your credit score or want advice on improving your chances of mortgage approval, we can help you understand your options and find a lender suited to your situation.

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

Happy Earth Day! (A few days late, sorry)Today I put the kids to work—because what better way to teach them to care for ...
27/04/2025

Happy Earth Day!
(A few days late, sorry)

Today I put the kids to work—because what better way to teach them to care for the planet than by handing them a trash bag and saying, "This is what superheroes do on their day off."

We went litter picking, found a surprising amount of snack wrappers, a few cans, one lost shoe, and zero complaints (okay, maybe one or two). Watching them get into it made me proud—and a little worried they might start judging my recycling habits next.

Small hands, big impact. One bag of trash at a time.

Big news — I’m officially joining the family business!This is more than just a new job for me. It’s about stepping into ...
22/04/2025

Big news — I’m officially joining the family business!

This is more than just a new job for me. It’s about stepping into something that’s been built with passion, hard work, and a whole lot of love. Being part of a family-run business means everything: it’s about trust, togetherness, and carrying on a legacy that puts people first.

I’m excited for the opportunity to help others achieve their dreams, just like my Mum Aarti Bharakhada - Virtuous Mortgages has been doing for years. Grateful to be surrounded by people I admire and inspired by every day. Here’s to new beginnings, strong foundations, and the journey ahead!

Let’s do this!

Celebrating the strength, love, and wisdom passed down through the generations. On this International Women’s Day, I’m s...
08/03/2025

Celebrating the strength, love, and wisdom passed down through the generations. On this International Women’s Day, I’m so grateful for the powerful women who came before me and the ones I’m raising today. Here’s to the women who inspire us to be our best selves every day. 💕 "

Can You Buy a Home on a Single Income?Yes, You Can!Buying a home on one income is possible, and lenders do consider appl...
08/03/2025

Can You Buy a Home on a Single Income?
Yes, You Can!

Buying a home on one income is possible, and lenders do consider applications from single applicants. Here’s how to improve your chances:

- Maximise your deposit – The bigger your deposit, the better your mortgage options.
- Check your affordability – Lenders will assess your income vs expenses.
- Improve your credit score – A strong credit history can help secure a better rate.

We’ll help you find lenders who offer mortgages tailored to single-income buyers.

At Finance Advice Centre, we are whole of market. This means we can access every deal on the market and will recommend the most suitable one available to you.

Contact me today to book your free consultation!

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments

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Enderby
Leicester
LE192LB

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