Who We Are

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

Remember, your home may be repossessed if you don’t keep up mortgage repayments.

We conduct all of our business by being true to our values which are:

Fair

We’ll search tirelessly for the right deal for you. We know everyone is different so we’ll make sure we get to know you and recommend the best fit for you.

Ethical

We always do the right thing. We’re driven by doing good and that means your interests are always at heart – we work for you.

Inspirational

We want to lead by example. We want to be visionary and help create a better tomorrow for future generations.
These values are driven by –
Aarti Bharakhada and Rakhi Shah.
Aarti Bharakhada

Aarti Bharakhada

Director / Mortgage & Protection Consultant

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.