Business Details
26 Years
experience
Your Trusted Mortgage Broker in Hilton
VA Mortgages has been providing specialist mortgage advice since 2000, combining deep industry expertise with a client-first approach. Our team of qualified advisors offers whole-of-market solutions tailored to individual circumstances, covering residential, commercial, and equity release mortgages. With decades of collective experience and professional qualifications from the Chartered Insurance Institute, we prioritise transparency, ethical guidance, and long-term client relationships.Our services extend to associated financial products like life insurance and income protection, ensuring comprehensive support for homeowners, investors, and first-time buyers. Recognised for exceptional customer service through numerous five-star reviews, we maintain authorisation by the Financial Conduct Authority to guarantee regulatory compliance and client trust.
Services
Remortgaging
Equity Release
First-time Buyer
Buy-to-let
Commercial Mortgages
Details
- Year established: 2000
Highlights and features
- Whole-of-market access to 90%+ UK mortgage lenders
- Advisors with 20-35 years' industry experience and professional qualifications
- Transparent fee structure with fixed 595 advice cost
- Award-winning customer service with 4.8-star Trustpilot rating
- Specialist support for complex cases (self-employed, poor credit)
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Excellent service
Highly recommend
Professional advisors
Stress-free process
Competitive rates
Services
Remortgaging
We help homeowners switch mortgage deals to secure better rates or release equity. Our advisors analyse your current terms, credit position, and market options to negotiate optimal refinancing solutions. Clients benefit from our panel of 90+ lenders and expertise in complex cases like adverse credit or self-employment.
Equity Release
Specialist advice for homeowners over 55 seeking tax-free cash through lifetime mortgages. We explain risks and benefits, compare interest rates, and ensure products align with inheritance plans. Our FCA-authorised advisors provide impartial guidance on repayment implications and alternative options.
First-time Buyer
Tailored support for first-time buyers navigating deposits, government schemes, and affordability criteria. We explain loan-to-value ratios, fixed vs variable rates, and associated costs while accessing exclusive broker-only deals. Our step-by-step guidance simplifies the purchasing process.
Buy-to-let
Comprehensive advice for residential and commercial property investors. We compare landlord-specific products, assess portfolio financing strategies, and explain tax implications. Our team specialises in portfolio mortgages and complex income verification for multiple properties.
Commercial Mortgages
Solutions for business premises financing, including owner-occupied and investment properties. We connect clients with specialist lenders offering terms tailored to commercial viability assessments, lease durations, and business cashflow requirements.
People
Mark Stanton
Director
With 25 years' experience, Mark holds advanced mortgage qualifications including the Certificate in Advanced Mortgage Advice (R07) and The Mortgage Advice Qualification (MAQ). He specialises in complex cases and broker-only deals.
Les Blackman
Director
A 23-year mortgage veteran, Les possesses expertise in equity release and adverse credit cases. He holds the Mortgage Advice Qualification (MAQ) and is renowned for resolving challenging mortgage scenarios through his lender network.
Sara Partridge
Director
As a founding member with 25 years in financial services, Sara transitioned from frontline advising to managing operational systems. Her focus ensures efficient backend support for client-facing advisors.
Wendy Spaxman
Mortgage Advisor
Qualified since 2014, Wendy brings conveyancing experience to mortgage advising. She specialises in first-time buyer guidance and protection products, holding the Certificate in Mortgage Advice (CF6).
David Birnbaum
Insurance Specialist
With 32 years' experience, David provides expert cover advice. He specialises in life insurance, critical illness, and income protection, ensuring mortgage protection strategies align with clients' broader financial plans.
Questions
What mortgage options exist for first-time buyers?
We offer guidance on government schemes like Help-to-Buy, shared ownership, and standard residential mortgages. Our advisors explain deposit requirements, affordability criteria, and available incentives.
Can I remortgage with bad credit?
Yes, our specialists access lenders catering to adverse credit histories. We assess your specific situation and present realistic options while advising on credit improvement strategies.
How does equity release affect inheritance?
Equity release reduces inheritable property value. We provide detailed illustrations showing potential debt accumulation and discuss alternatives like downsizing or interest-only mortgages.
What fees apply to mortgage advice?
Our standard fee is £595 for comprehensive advice, covering product search, application, and completion. We disclose all costs upfront with no hidden charges.
Do you offer commercial mortgage solutions?
Yes, we arrange mortgages for business premises, investment properties, and development projects. Our advisors connect clients with specialist commercial lenders offering tailored terms.
How do contractor mortgages work?
We access lenders that assess contractors based on day rates and contract longevity. Our guides explain required documentation and income verification processes specific to non-traditional employment.
Reviews (6)
Mark Simpson
Sep 27, 2021
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Positive:Professionalism,Quality
Mark was amazing in helping us through the mortgage process. Took all of the stress away and guided us through to getting a offer. 1000% recommended
Mark was amazing in helping us through the mortgage process. Took all of the stress away and guided us through to getting a offer. 1000% recommended
Sally Ward
Sep 26, 2021
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I would highly recommend Mark Staunton at VA.Mortgages. We could not have remortgaged without Mark's expert knowledge and guidance. He was there to assist us every step of the way, from finding a suitable product that met our needs, to liaising with lender. He helped us complete complex paperwork and kept us informed throughout the process.
Martin Wood
Aug 30, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Legend! Les went over and above to help remortgage our house. Nothing was ever too much for Les, very responsive, easy to converse with and just worked his magic to get this done! Thank you
Legend! Les went over and above to help remortgage our house. Nothing was ever too much for Les, very responsive, easy to converse with and just worked his magic to get this done! Thank you
Graziella Vallicelli
Aug 25, 2021
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I cant speak highly enough of Les Blackman as a financial consultant. His professionalism, honesty, integrity and hard work ethics are very much appreciated. Hes worked well beyond what one could expect, staying in touch constantly for the last five months on a particularly tricky deal, but having also worked with Les for the last 20 years, I have no doubt he's one of my most trusted and knowledgeable advisors. I simply could not have done it without him. I definitely recommend VA Mortgages and wish them every success!
Mani Zadeh
Mar 02, 2021
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Positive:Professionalism,Quality,Responsiveness
I have been using Les Blackman from VA for over 9 years and recommend him to many friends over the year. Always received the best advice and got the best solution for our needs
I have been using Les Blackman from VA for over 9 years and recommend him to many friends over the year. Always received the best advice and got the best solution for our needs
Soph Holt
Mar 01, 2021
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Les was absolutely fantastic. Every email/phone call was very knowledgeable and he took the time to explain everything in detail. Even when it was just a enquiry. We felt like everything was in place with our morgage well before it went through, and I understood the whole process. Would highly recommend, he made the process a breeze compared with all the crazy information you can see online. Les is an absolute star!
