Your Local Cotswolds Mortgage Experts
Your Cheltenham Mortgage Advisor Guiding You Home with Confidence
Your Cheltenham Mortgage Advisor
Why Choose Aviella Mortgages
Looking for an independent mortgage advisor for Cheltenham. 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
As an Independent Mortgage advisor for Cheltenham, we offer expert 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.
What Our Customers Say
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 in Cheltenham?
To begin your mortgage journey, we first assess how much you’re likely to borrow based on your income and outgoings, then guide you through the required documents and submit applications to lenders on your behalf.
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 remortgaging and when should I consider it?
Remortgaging means switching to a new mortgage deal — often to secure a better rate or release equity — and is worth considering up to six months before your current deal ends.
Can I get a mortgage in Cheltenham if I’m self-employed?
Yes — many lenders will consider self-employed applicants. We’ll help you prepare the right financial documents and match you with lenders who understand self-employed income structures.
How much can I borrow for a mortgage in Cheltenham?
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!
