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:

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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.

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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.

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Inspirational

We want to lead by example. We want to be visionary and help create a better tomorrow for future generations.

Mortgage & Protection Consultant
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.

Mortgage & Protection Consultant
Rakhi Shah

Rakhi Shah

Mortgage & Protection Consultant

Rakhi brings over three years of experience in the financial services industry and a real passion for supporting people through life’s big decisions. Her career has always been rooted in customer-focused roles, and she carries that same care, clarity and commitment into every conversation she has with clients.

As someone who truly understands the importance of trust and integrity in mortgage advice, Rakhi is perfectly aligned with the values Virtuous Mortgages was built on: to offer ethical, fair, and personal guidance to people across the UK.

Rakhi is also fluent in English and Gujarati so we’re now even better placed to help a wider range of clients in our community.