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Our Mortgage Broker Guide to getting a mortgage in Cheltenham

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

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

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

Mortgage Broker Cheltenham Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

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.

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.


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.

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

Mortgage Broker Cheltenham - Recently Completed

  • 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

Mortgage Broker in and around Cheltenham

Our Cheltenham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Bamfurlong, Shurdington, Charlton Kings, Prestbury, Boddington, Bishops Cleeve and Southam.

Which banks are local to you?


  • 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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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

Find a Home Mortgage

Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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FREE mortgage consultations for Cheltenham

Mortgage Brokers Cheltenham offering free first consultation (terms apply).

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Fast mortgage appointments

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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Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Book a Free Mortgage Broker Consultation

Cheltenham Mortgage Broker Insider Tips

If your home purchase in Cheltenham is being financed with the help of family and friends, making sure your solicitor has all of the information in good time can speed up the conveyancing process.

Your solicitor will need proof of funds, ID and relevant documentation where there is a loan or a gift. Without these documents, you may not be able to exchange until your solicitor has them in his hands.

Even then, a mortgage lender may be unwilling to lend where there is an unregistered interest, i.e. the financial interest of this third party, over the property.

As things can get so complicated, it is important to get things sorted out from the outset so your solicitor can get working on it as soon as possible.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels
Conveyancing Process
FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.