When you take out a new mortgage, you’re normally offered a competitive reduced rate for a set period of typically 2 to 5 years and certain freebies, like a free legal service or valuation. Once the introductory deal ends, you’re usually moved onto a ‘standard variable rate’, which is much higher than their introductory rates, significantly increasing your costs. This can burden you with a higher monthly payment or the same monthly payment but for many more years. Remortgaging is arranging a new favourable mortgage deal for another fixed period, thereby keeping your interest costs as low as possible.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Your AVS ‘Consiliario’ (personal advisor) will help you develop a long-term plan, explaining the different mortgage and protection options available, supporting you at every stage of your home-owning journey.
We give our full professional consideration to fees, charges and features, so you are informed of the true cost of your mortgage and get the best arrangements to ensure the security of your home. We calculate all costs, walk you through the whole process, use our knowledge and experience to help you get the most favourable terms available and we even complete all the paperwork.
If you are looking to remortgage, have your very own personal Consiliario take care of the arrangements, so you can have peace of mind in your home-owning journey.
Why use a specialist?
Banks, your existing mortgage provider and other lenders, only offer their own mortgages. Whereas comparison websites and specialists can select from 1,000’s of mortgages from a wide variety of providers.
Comparison websites search out the best % rates on the market, but the mortgages they present may not be available to you and being rejected for a mortgage can have negative consequences for future applications.
Specialists have access to thousands of mortgage products from hundreds of lenders and recommend a mortgage tailored to you and your chosen property that you are most likely to be approved for.
AVS differ from other specialists in two key areas:
1. The standard UK mortgage advisor will receive commission that varies based on which mortgage provider they match you to. To provide you with the confidence you need that you are getting the right advice, your personal AVS ‘Consiliario’ is paid a salary with quality-of-service bonuses only.
2. We understand that not many people dream of owing large sums of money to a bank that can repossess your home. Mortgages are a means to an end and what you really want is to own your property. That is why we work with you for as long as it takes, until you are mortgage free. In other words, our focus is on getting you your property by sourcing and advising on financial products that can help you.
The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it.
Ad Valorem Securitatis Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.