Virtue Financial are independent financial and mortgage advisers and an appointed representative of Sesame Limited which is authorised and regulated by the Financial Services Authority.

We offer the following services:

• Family & Personal Protection Insurance
• Critical Illness Insurance
• Residential Mortgages
• Buy to Let Mortgages
• Commercial Mortgages
• Income Protection
• Life Insurance
• Advice on use of trusts re Inheritance Tax Planning

For protection insurance we offer products from a limited panel of providers

First Class Service

• The majority of our clients come to us via recommendations
• We offer a comprehensive high level of service and our customer care reduces the stress of the home buying process.
• We can provide cost and time savings for you
• Advice and a recommendation on which of the mortgages that can be provided are most suitable for you
• Advice on use and creation of trusts for effective tax planning in relation to Life Insurance (especially relevant for those who are unmarried or were not born in the UK)

Your property may be repossessed if you do not keep up repayments on your Mortgage.

The FSA does not regulate some forms of Buy to let mortgages.

For mortgages you can choose how we are paid: pay a fee, usually 0.5% of the loan amount, or we can accept commission from the lender.