Welcome To Aviella Mortages
Why Choose Aviella Mortgages
Whether you’re a first-time buyer, looking to remortgage, or investing in property, Aviella Mortgages will guide you through the entire process with expert advice, dedication, and a commitment to finding the right solution for you.
Our Services
We offer expertise advice across a wide range of Mortgages and Protection.
Learn more about how we can help you.
Residential
Whether you’re upgrading, downsizing, or simply relocating, we are here to take the stress out of the mortgage process and help you secure the best deal.
First Time Buyers
First time buyer mortgages mark an exciting step towards owning your first home, but the process can feel overwhelming. That’s why we’re here.
Remortage
If your fixed rate mortgage is nearing its end, don’t get stuck on your lender’s Standard Variable Rate (SVR) it can be a sharp rise and cost you.
Buy To Let
Are Buy to Let mortgages more expensive than residential mortgages and what about Holiday Lets. Find out how we can help you find the best deals.
Self Employed
Being self-employed doesn’t have to make securing a mortgage more complicated. We know exactly what it takes to navigate the process being self employed.
Later Life Lending
As we get older, securing a mortgage or releasing equity can seem complicated. We are here to offer clear, independent advice tailored to your needs.
Protection
At Aviella Mortgages we offer a range of Protection, reach out today for a free, no-obligation consultation. Let us explore the best protection options for your needs.
Buildings and Contents Insurance
When owning a property you should consider buildings insurance (often required for mortgages).
Let us explore the best options for you together.
Aviella Consulting
At Aviella Consulting our business healthcare solutions range from private and corporate healthcare and health cash plans to mental health and wellbeing services.
Frequently Asked Questions
Here are some common questions about Mortgages and how Aviella Mortgages can assist you in making informed decisions.
Note - The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
How do I apply for a mortgage?
To start the process, you’ll need to determine how much you can afford to borrow. Reach out to a trusted mortgage advisor who can search the entire market for the best deal. They’ll also guide you through gathering the necessary documents
What does “mortgage affordability” mean?
Mortgage affordability refers to how lenders assess whether you can comfortably manage monthly mortgage payments. Each lender has its own criteria for this, and they may perform stress tests to ensure you can afford payments at different interest rates
What is “Loan to Value” (LTV)?
Loan to Value (LTV) shows how much you’re borrowing compared to the property’s value. For instance, if you’re purchasing a property worth £100,000 and borrowing £90,000, your LTV is 90%, meaning you’d need a £10,000 deposit
What is a “Decision in Principle”?
A Decision in Principle (also called an Agreement in Principle or Mortgage in Principle) is a document from a lender that confirms, based on a basic assessment of your financial situation, you could be eligible for a mortgage. It’s not a final offer and doesn’t apply to any specific property.
What is an interest only mortgage?
An interest-only mortgage means you pay only the interest on your loan during the term, which leads to lower monthly payments. However, at the end of the term, you still owe the original loan amount, and you’ll need to repay it through a lump sum or by switching to a repayment mortgage.
How much can I borrow?
The amount you can borrow will depend on factors like your income, existing financial commitments, dependents, age, and the type of property you’re looking to buy. Each lender has different criteria for how much they’re willing to lend.
Need more help?
If you have further questions or need personalised advice, our team at Aviella Mortgages is here to assist you.
Don't hesitate to reach out!
