Cheltenham Mortgage Broker

Yes. We are based in Bath, and advice is given by phone and video rather than across a desk in a branch. That means appointments can sit outside normal office hours and there is no travelling involved. We work with clients throughout England and Wales, Cheltenham included.

Often yes, though fewer lenders will consider one. Cheltenham has a high concentration of listed Regency and Victorian property, and listing affects how a property is valued, what work can be carried out and whether a lender will lend at all. We search over 70 lenders to find the ones that will consider yours, including specialist lenders outside the high street.

Most lenders look for at least 5 per cent, though the rate you are offered improves as the deposit grows. What matters more is affordability against the property price, and Cheltenham values sit above the Gloucestershire average, so it is worth checking what you could borrow before you start viewing.

No. Every client receives fee-free advice, in Cheltenham and everywhere else we operate. The lender pays us once your mortgage completes, so nothing comes out of your deposit or your moving budget.