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Your home may be repossessed if you do not keep up repayments on your mortgage.

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FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is free to use and remembers your progress.

 
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You'll have access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Our mortgage consultants can access exclusive mortgage lending rates which are not available to you when applying direct (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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How to get a mortgage - or remortgage - in Cheltenham


Cheltenham, also known as Cheltenham Spa, is a spa town on the edge of the Cotswolds, an area of outstanding natural beauty, in Gloucestershire County. It hosts many festivals (literature, jazz, science and music) and Cheltenham Racecourse hosts the annual Cheltenham Gold Cup event. The town is famous for its Regency architecture. Landmarks include Cheltenham's Municipal Offices and the Government Communications Headquarters (GCHQ), with its 'doughnut' building.

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip 

Get a free online credit report

Seems simple, but you need to know what is wrong before you can fix it. You can get a free credit report from Experian, Equifax or CallCredit, all of whom normally offer 30-day free trials: visit their websites for more details.
Top Mortgage Lenders 

Discounted Variable Rate Mortgage

For these mortgages, repayments are calculated using a variable interest rate which is a set discount on a lender's Standard Variable Rate (SVR) (which itself is invariably a set percentage above the Bank of England base rate).

If the lender's SVR is 3.00% and the discounted rate gives you a 1.2% discount, you'll pay 1.8%. Your payments can go up as well as down.
GL50 2QW

Property Price Stats for Cheltenham


Average property price in Cheltenham £275,793
% Change compared to last year 0%
Population of Cheltenham 115,732 (2014)


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

RECENTLY COMPLETED MOVES IN Cheltenham

  • 11 Lypiatt Terrace, Cheltenham, Gloucestershire GL50 2QW
  • 24 St. Pauls Road Cheltenham, Gloucestershire GL50 4EW
  • 48 Andover Road, Cheltenham, Gloucestershire GL50 2TL
  • 17 Beeches Road, Charlton Kings, Cheltenham, Gloucestershire GL53 8NG
  • 25 Montpellier Drive, Cheltenham, GL50 1TY

Local High Street Banks in Cheltenham

Find a mortgage lender near you:
Some branches may have closed down - Call 0333 344 3234 for a Mortgage Broker covering Cheltenham

  • Lloyds - 130 High St, Cheltenham GL50 1EW
  • TSB Bank - 164 Bath Rd, Cheltenham GL53 7NF
  • HSBC - 109 Bath Rd, Cheltenham GL53 7RA

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Mortgage Broker Tips for the Conveyancing Process

Book your mortgage valuation as soon as you've had your offer accepted

If you're buying with a mortgage, you won't be able to complete unless the funds have come through to your solicitor. You have to apply for a mortgage, be accepted/get a mortgage in principle but then, once you've had an offer accepted, your mortgage lender has to value the property and only after this, assuming all goes to plan, do you get your mortgage offer with funds in readiness.

You can therefore minimise lost time by booking your mortgage valuation on the day you have an offer accepted. It may take around a week or so for the valuation survey to take place, then you have to allow for a few days to elapse before you have your offer. If you delay, the whole process slows down. 

Additionally, if there's any issues, like your lender undervaluing your property or making you a conditional offer, there might be further delays.

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