VAO FS
FCA Regulated
Client Portal

Expert Financial
Solutions

Mortgages, business finance, bridging loans & insurance — all under one roof.

FCA
Authorised
803561
FCA Ref
100%
Client Focus
Mortgage Calculator
Estimate your monthly repayments instantly
Property Details
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Our Services
Everything VAO FS can help you with
🏠
Residential Mortgages
First-time buyers, home movers, remortgages and buy-to-let. We search the whole market to find your best rate.
★ Most Popular
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🏢
Business Loans
Funding for growth, working capital, asset finance and business expansion. We help SMEs and limited companies access the right finance.
🚀 For Business Owners
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🏫
Commercial Mortgages
Finance for offices, retail units, warehouses and mixed-use properties. Whether purchasing or refinancing, we find competitive commercial terms.
🏢 Commercial Property
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⏱️
Bridging Loans
Short-term finance when speed matters — property chain breaks, auction purchases, refurbishment projects and development finance.
⚡ Fast Completion
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🛡️
Life & Protection Insurance
Life insurance, critical illness cover, income protection and buildings & contents. Protect what matters most to you and your family.
💙 Peace of Mind
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📈
Buy-to-Let & Portfolio
Single properties to large portfolios. We help landlords structure their finance tax-efficiently and secure the best rental yields.
💵 For Landlords
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Not Sure Which You Need?

Book a free, no-obligation call with Vikas. We'll assess your situation and point you in the right direction — no credit checks at this stage.

Find Us Online
🌐
Our Website
www.vaofs.com
›
⭐
Happy with our service?
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VAO FS is a trading name of King Mortgages LTD, authorised & regulated by the FCA (Ref 803561). Your home may be repossessed if you do not keep up repayments on your mortgage.
Borrowing Calculator
Get a rough idea of what you could borrow
⚠️
Guide Only — Not a Mortgage Offer
This tool uses standard income multiples to give a rough indication. Actual lending decisions depend on your full credit profile, outgoings, employment type, and lender criteria.
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Live Market Rates
UK SONIA swap rates & Bank of England Base Rate

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Book a Consultation
Speak directly with Vikas at VAO FS
📞
Call Us Directly
+44 7380 810 438
›
✉️
Email Us
vik@vaofs.com
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🌐
Our Website
www.vaofs.com
›
⭐
Leave Us a Review
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VAO FS · King Mortgages LTD · FCA Ref 803561 · Bedford, England
Your home may be repossessed if you do not keep up repayments on your mortgage.