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Mortgage Advice To Suit You...
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Access to the whole of market
The Process
Let’s sit down over a coffee and learn more about you, your goals, your circumstances, and what matters most. You talk, we’ll listen.
We’ll work with you to find a mortgage that’s perfectly suited to your needs, offering the most appropriate options for you and your family.
Once we’ve collected all the required information, we’ll begin your application and keep you informed every step of the way.
Advice That Puts You First
At Virtue Mortgage Group, we take the time to truly understand your unique circumstances, goals, and financial situation. You won’t find any generic solutions here, just honest, tailored advice designed to help you make confident, informed decisions.
Access to a Wide Range of Lenders
As independent mortgage brokers, we’re not tied to any one lender. That means we can search the whole market to find the most suitable deals that suit your specific needs.
Support Every Step of the Way
From your first enquiry to the moment you get the keys, and need your home protecting, we’re by your side. We handle all the paperwork, liaise with the lenders, the providers, and keep you updated throughout, making the process as smooth and stress-free as possible.
Mortgage Calculator
The figures provided by this calculator are for illustration purposes only. To obtain an accurate figure based on your personal situation and circumstances, please obtain a personalised mortgage illustration.
Services
How Can We Help?
Mortgage Advice
As advisers, our role is to take the stress out of finding the right mortgage by guiding you through the entire process. Whether you're a first-time buyer, moving home, remortgaging, or investing in property, we take the time to understand your goals and match you with a lender and product that suits your needs and budget.
Insurance Advice
We also believe that securing your home should go hand in hand with protecting it. That’s why we offer tailored advice on a range of protection options, including life insurance, critical illness cover, and income protection. Our aim is to ensure you and your family are financially protected, whatever life throws your way.
Frequently Asked Questions
What does a mortgage broker do?
A mortgage broker searches the market on your behalf to find a mortgage that best suits your needs. They offer personalised advice, help with paperwork, and guide you through the application process from start to finish.
What is protection insurance and why do I need it?
Protection insurance helps safeguard your home and finances in the event of illness, injury, death, or loss of income. It ensures you and your loved ones can stay financially secure, even when life takes an unexpected turn.
How much can I borrow?
The amount you can borrow depends on factors like your income, expenses, credit history, and the lender’s criteria. We’ll assess your full financial picture to give you a realistic idea of your borrowing potential.
What types of protection insurance are available?
We offer advice on a range of policies including life insurance, critical illness cover, income protection, and family income benefit. Each type serves a different purpose depending on your needs and goals.
Do I need a deposit to get a mortgage?
Yes, in most cases you’ll need a deposit. The minimum is typically 5% of the property’s value, though a larger deposit can unlock better interest rates and wider lender choice.
Can I get a mortgage with bad credit?
Having a poor credit history doesn’t automatically disqualify you. Some specialist lenders offer mortgages for those with credit issues. We’ll explore the most suitable options for your circumstances.
How much cover do I need?
The amount of cover depends on your financial commitments, lifestyle, and family situation. We’ll work with you to determine the right level of protection to give you peace of mind.
Is protection insurance expensive?
It can be more affordable than many people think. Costs vary depending on factors like age, health, and the level of cover. We’ll help you find the most cost-effective policy that still offers strong protection.