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Welcome to Virtue Financial's Home Page

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

We offer the following services:

  • Family & Personal Protection Insurance
  • Critical Illness Insurance
  • Residential Mortgages
  • Buy to Let Mortgages
  • For Commercial mortgages we act as introducers
  • Income Protection
  • Life Insurance
  • Arranging Trusts for Life Insurance

For protection insurance we offer products based on an analysis of a number of insurers

For Tax Planning, Virtue Financial acts as introducers only


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
  • Arranging Trusts for Life Insurance (especially relevant for those who are unmarried or were not born in the UK)

No Fee unless the mortgage is below £200,000 in which case the fee will be £399 payable on completion.


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

If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances.

You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.

Virtue Financial, 189 Richmond Road, Twickenham  TW1 2NJ 
Tel: 020 8892 2400, Email:

Virtue Financial is a trading style of John Blackwood. John Blackwood is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority.

The FCA does not regulate Commercial Mortgages, Trusts, Wills and some forms of Buy to Let Mortgages and Tax Planning.