0208 050 5487
Mortgages & Business Finance
At Virtuous our goal is to help you achieve yours! We take the time out to listen to exactly what it is you are trying to achieve, our team will then present you with options laying out all pros and cons on the table giving you the opportunity to go away and take time to do what's really right for you. No matter what you choose, the Virtuous Team will be here with you every step of the way.
Most recently he team have managed to get a mortgage approved on a block of flats that is known to be one of the most difficult properties to get a mortgage on but the Virtuous Team did it! In addition we take pride in our successful achievements and continue to hold 100% success rate in Right to Buy applications with a discounted amount received of £112,800 without our clients having to spend a single penny on any part of the home deposit! (that’s right not ONE PENNY!!).
MORTGAGES
TOP 5 FIRST TIME BUYER MISTAKES
According to a new estimate, the number of first-time purchasers in the United Kingdom has reached its highest level since 2002. Despite the pandemic's unpredictability and rapid housing price growth, the number of first-time buyer transactions is as high as 408,300 in 2021.
More and more people are realising the importance of building assets, with property being one of the first steps. Finding your first house and getting your foot on the property ladder is a huge step in your life, but it's not without its challenges. Along with saving for a deposit (unless you don't need one - check out our 0% down strategies) and finding the ideal home, you must also decide which mortgage provider will give you the best rates. Whether you are a 'First Time Buyer, or not our experienced team will guide you with the best ways in which you are able to save money on your next purchase and mortgage. Take advantage of our team of Brokers, Accountants, Solicitors, Consultants & Business Services all under one roof! The Virtuous Team are all on board to give you the peace of mind needed with today's everyday pressures. We only strive to be the best and with the client’s goals at the forefront of our every move. As the Virtuous Team would say "Failure is not an option!"
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FIRST TIME BUYERS
BUSINESS FINANCE
Business Loans
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From £25,000 to £250,000
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Homeowner preferred (but not necessary)
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Required: Last 6 months bank statements and Full Financial Accounts
There are tough times for any business, especially for those who are reliant on customers, whether you are a sole trader, new company or establishment with limited status Virtuous has a product for you.
Asset finance is a type of lending that enables you to access business assets such as equipment, machinery and vehicles without having to buy them upfront. It can also allow you to release cash from the value in assets you already own or use your existing assets as security against a business loan from an asset finance lender.
All asset types accepted
Asset Finance
Merchant Cash Advance
Other Finance Products
Accident Management (Personal Injury & Car Hire/ Repair)
In addition to the above, we have our “Buy Now, Pay Later” service available for any of our Virtuous clients/members.
Business loans can be a key source of finance. As a company, you should have a number of business loan options that can help you better manage your business. However, it’s important to first identify the specific type of loan your business requires before applying. Book your free consultation today and see how Virtuous can help take your business to the next level.
Commercial Mortgages
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Key Features
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Borrow up to 80% Loan to Value (LTV)
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Rates from 2.25%
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Borrow from £25,000+
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Terms from 5 years to 30 years
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Any security considered
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Previous adverse credit considered
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Repayment or interest only
Buy To Let
The minimum deposit for a buy-to-let mortgage is usually 25% of the property's value, although it can go as low as 20%
A client will opt for a BTL if they are considering purchasing a property that they do not intend to live in. For instance, if they wanted to start a property business such as Airbnb or an HMO (House With Multiple Occupants). BTL mortgages can also be used if you were considering applying for a mortgage under your business name.
At Virtuous the team are able to package together some amazing BTL applications without all the stress involved or even in some cases, succesful approval without your income!!! Find out more by speaking to one of our consultants.
Consultancy Services
&
Business Support
Have you considered starting a business but not sure what to do?
Looking to restructure or expand your current business?
Maybe you don't have much cash but would love the opportunity to start a company?
Many of us have the aspirations, plans and vision to start building a business of our own.
Perhaps it a new venture, or maybe you finally want to expand on the catering hobby you started in your home kitchen.
Virtuous believes everyone deserves a chance when it comes to business!
Contact us today for your 30 min FREE consultation and let us help you bring your business to the next level!!
If you’re going to live, leave a legacy,
make a mark on the world that can’t be erased
Maya Angelou
We are a consultancy firm committed to providing expert insights and guidance. Please note that our services do not constitute advice. Our partners are regulated by the relevant authorities, ensuring professionalism and adherence to industry standards