VAO FS
Specialist Finance

Commercial & Business
Finance Specialists

Commercial mortgages, business loans, development finance and bridging — plus trusted introductions for residential and buy-to-let.

CeMAP
Qualified
Commercial
Specialist
100%
Client Focus
Mortgage Calculator
Estimate your monthly repayments instantly
Property Details
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Our Services
Specialist commercial & business finance
🏢
Commercial Mortgages
Finance for offices, retail units, industrial and warehouse space, mixed-use buildings, HMOs and semi-commercial property. Owner-occupier or investment, purchase or refinance.
Typical terms: up to 75% LTV, 5–25 year terms, interest-only options available. Trading businesses, SPVs, LLPs and pension funds (SIPP/SSAS) all considered.
🏢 Core Specialism
💼
Business Loans
Working capital, cashflow support, expansion funding, acquisition finance, asset finance and invoice finance for SMEs and limited companies.
Options include: secured and unsecured facilities, merchant cash advances, revolving credit, asset-backed lending and government-backed schemes. Terms from 3 months to 10 years.
🚀 For Business Owners
🏗️
Development Finance
Ground-up development, conversions, permitted development schemes, refurbishment projects and land with planning.
Structure: typically up to 65–70% GDV with staged drawdowns against build costs, arranged alongside exit finance. Experienced and first-time developers considered.
🔨 Build & Convert
⏱️
Bridging Loans
Short-term finance where speed matters — auction purchases, broken chains, refurbishment, lease extensions and capital raising against existing assets.
Typical terms: 1–24 months, first and second charge, completions often achievable in 2–3 weeks with a clear exit strategy.
⚡ Fast Completion
Introducer Services

For residential and buy-to-let mortgages, I work as an introducer. I'll take the time to understand your situation, then connect you with a trusted FCA-authorised adviser who will provide the regulated advice and handle your application from start to finish.

🏠
Residential Mortgages
First-time buyers, home movers, remortgages, self-employed and complex income cases. I'll assess your position and introduce you to the right regulated adviser.
🔗 Introducer Service
📈
Buy-to-Let & Portfolio
Single properties through to large portfolios, limited company SPV structures, HMOs and holiday lets. Introduced to specialists who understand landlord finance.
🔗 Introducer Service
Not Sure Which You Need?

Book a free, no-obligation call. We'll talk through your project or business and work out the right route — no credit checks at this stage.

Find Us Online
🌐
Our Website
www.vaofs.com
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Commercial mortgages, business loans, development finance and bridging loans are not regulated by the Financial Conduct Authority. Residential and buy-to-let enquiries are introduced to an FCA-authorised firm who will advise you directly. Your property may be repossessed if you do not keep up repayments on a mortgage secured on it.
Borrowing Calculator
Residential guide — introduced to a regulated adviser
⚠️
Guide Only — Not a Mortgage Offer
This calculator runs the same dual test real lenders use: a loan-to-income cap AND a full affordability stress test on your estimated net income at ~8% stressed rates. Most lenders cap at 4.5x salary, up to 5x for higher earners, and up to 5.5x for first-time buyers with Halifax, Nationwide & Skipton. Actual offers depend on your full credit profile and lender criteria.
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Book a Consultation
Speak directly with Vik at VAO FS
📞
Call Us Directly
+44 7380 810 438
›
✉️
Email Us
vik@vaofs.com
›
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Our Website
www.vaofs.com
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Leave Us a Review
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VAO Financial Services · Bedford, England
Commercial & business finance is unregulated. Residential and BTL enquiries are introduced to an FCA-authorised firm.