Business Details
26 Years
experience
Expert Mortgage Advice in Hilton
VA Mortgages has established itself as a specialist mortgage advisory service since 2000. Our team of highly qualified professionals holds advanced certifications from institutions like the Chartered Insurance Institute, including specialist qualifications in equity release and mortgage advice. We prioritise client interests through a whole-of-market approach, offering access to a comprehensive range of mortgage products from multiple lenders. Our advisors serve diverse client needs, from first-time buyers to commercial property investors, with particular expertise in complex cases involving self-employed individuals and those with credit challenges. The business maintains a strong reputation for exceptional customer service, evidenced by numerous testimonials highlighting our advisors' professionalism, knowledge, and dedication.We operate under strict regulatory oversight as an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Our operational history demonstrates consistent service excellence, with founding directors maintaining active roles in client advisory services. We provide tailored guidance on mortgage types, including fixed/variable rate options, interest-only versus repayment structures, and specialist products like equity release schemes. Our client-centric approach combines technical expertise with transparent communication, ensuring clients fully understand their mortgage options and associated risks. The business maintains its headquarters in Hilton, Cambridgeshire, serving clients across the UK through both in-person and remote advisory services.
Services
Remortgaging
Equity Release
First Time Buyer
Buy-to-let
Commercial Mortgages
Contractor Mortgages
Mortgage Refinancing
Life Insurance
Home Insurance
Income Protection
Details
- Year established: 2000
Highlights and features
- We offer 25+ years of mortgage advisory experience with specialist qualifications
- Our whole-of-market approach accesses exclusive broker-only mortgage deals
- We provide tailored solutions for complex cases including self-employed clients
- Our advisors hold advanced certifications from the Chartered Insurance Institute
- We maintain a 4.8-star customer rating based on 45 independent reviews
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Professional service
Expert knowledge
Personalised guidance
Stress-free process
Excellent communication
Services
Remortgaging
Our remortgaging service helps clients secure better rates and terms on existing mortgages. We analyse current arrangements and market options to identify savings opportunities. Our advisors guide clients through the entire process, from initial assessment to completion, ensuring optimal outcomes.
Equity Release
We provide specialist equity release advice for homeowners over 55. Our advisors explain lifetime mortgage options and home reversion plans, helping clients access tax-free cash while understanding associated implications. We ensure solutions align with long-term financial needs.
First Time Buyer
Our first-time buyer service guides new purchasers through mortgage selection and application. We explain loan-to-value ratios, deposit requirements, and available government schemes. Advisors provide clear comparisons of fixed and variable rate options to match individual circumstances.
Buy-to-let
We offer tailored buy-to-let mortgage advice for property investors. Our service covers portfolio management, tax-efficient structures, and landlord-specific products. Advisors help clients maximise returns while meeting regulatory requirements for residential and commercial investment properties.
Commercial Mortgages
Our commercial mortgage service caters to business property needs, including owner-occupied premises and investment portfolios. We source competitive rates for various property types and provide structured financing solutions tailored to business cashflow requirements.
People
Mark Stanton
Director
Mark has 25 years' mortgage advisory experience, holding advanced qualifications including the Certificate in Advanced Mortgage Advice and Equity Release certification. He co-founded VA Mortgages in 2000 and specialises in complex mortgage solutions.
Les Blackman
Director
With 23 years in financial services, Les specialises in mortgage solutions for challenging cases. He holds the Mortgage Advice Qualification and has particular expertise in equity release and buy-to-let mortgages for property investors.
Sara Partridge
Director
Sara has 25 years' financial services experience, focusing on mortgage advisory systems development. As founding member, she established VA Mortgages' operational framework while maintaining technical expertise through the Full Financial Planning Certificate.
Wendy Spaxman
Mortgage Advisor
Wendy joined VA Mortgages in 2023, bringing conveyancing experience and mortgage advisory qualifications. She specialises in first-time buyer mortgages and protection products, holding the Certificate in Mortgage Advice and UK Financial Services Regulation qualification.
David Birnbaum
Insurance Specialist
With 32 years' financial advisory experience, David specialises in life cover, critical illness, and income protection. He holds the Full Financial Planning Certificate and provides integrated insurance solutions to complement mortgage arrangements.
Questions
What mortgage services does VA Mortgages offer?
We provide whole-of-market advice on residential, buy-to-let, commercial, equity release, and first-time buyer mortgages, along with specialist products for contractors and self-employed individuals.
How does VA Mortgages' whole-of-market approach benefit clients?
Our independent status grants access to exclusive broker-only deals and enables impartial recommendations across 95% of UK mortgage products.
What qualifications do VA Mortgages advisors hold?
Our advisors hold advanced certifications including the Mortgage Advice Qualification (MAQ), Certificate in Equity Release, and Full Financial Planning Certificate from the Chartered Insurance Institute.
Can VA Mortgages assist with complex mortgage cases?
Yes, we specialise in challenging cases including self-employed applicants, credit-impaired clients, and commercial property transactions, leveraging our extensive lender network.
What are the typical fees for VA Mortgages' services?
Our standard advisory fee is £595, which covers comprehensive mortgage sourcing, application processing, and ongoing support throughout the mortgage term.
