Debt Consolidation

	Do you have loans, credit/store cards, Hire Purchase or mail order commitments?
	Are you struggling to keep up repayments?
	Do you feel as if you are working just to pay debts with no money left over for the nice things in life?
	If your house is valued at more than you owe on your mortgage, Berkley Vittoria Independent Financial Services Ltd could arrange a re-mortgage to consolidate your debts into one lower monthly  payment.*†
	Due to the fact a mortgage is secured on your property and therefore represents a lower risk to the lender, they will normally offer you a far lower interest rate than you would be paying on unsecured borrowing.#

* Consolidating previously unsecured debt into secured debt may mean over the long term that the total charge for credit is likely to be higher. In addition by doing this a home is potentially placed at greater risk of being repossessed in the event of mortgage payments not being maintained.

† You may have to pay an early repayment charge to your existing lender if you re-mortgage

# The overall cost for comparison is 4.5% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

There may be a fee payable upon completion for mortgage advice. The precise amount of the fee will depend upon your circumstances but we estimate that it will be £595. (No broker fee charged on mortgages over £300,000). You have the option to pay us a fee and receive any commission which we are paid by the lender. If you choose this option, we estimate that the fee will be £995.