Remortgaging your home
Remortgaging can help you save money on your monthly repayments, reduce the number of years until you are mortgage free, raise the money to pay off some existing debts or fund something like a home improvement project.

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 trusted advisor
Almost all information and support available on mortgages and mortgage comparison is based on arranging a mortgage for the next 2 to 5 years. At AVS we understand that you don’t want a mortgage because you enjoy owing large sums of money with a monthly financial commitment. You want to own your home and a mortgage is a means to an end. That is why we look at the whole ‘big-picture’ of your remortgage as the next step in a journey and we believe that decisions you make now, should be made with the whole journey in mind.

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.
The remortgage process can be started up to 6 months before your existing deal ends and the earlier the better, to make sure you are always on the lowest interest rates available.

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.

Why AVS?

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.

We’re ready to help
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