If you’re starting your mortgage journey in Cheltenham, we’re here to make it simple. As your mortgage broker in Bristol, we take the stress out of the process by handling the paperwork, searching the market, and guiding you every step of the way.
One of the first things we’ll do is help you understand how much you could borrow and what type of mortgage fits your personal and financial situation. With over 20 years of experience, we’ve helped thousands of customers find the right deal with advice that’s clear, honest, and completely tailored to them.
We know life can be busy. That’s why we offer appointments seven days a week, including evenings and weekends. Use our online booking system to choose a time that suits you, and we’ll be ready when you are.
Every customer starts their journey with a free mortgage appointment. It’s your chance to speak with a dedicated mortgage advisor in Cheltenham who will take the time to understand your situation, answer your questions, and explore what’s possible based on your income and outgoings.
We’ll carry out a full affordability check to help you understand how much you could borrow and what kind of mortgage might work for you. Whether you’re buying your first home, moving, or remortgaging, this early advice can give you clarity and confidence.
Booking is quick and easy. Use our online system to choose a time that suits you, or call our team directly. There’s no cost, no pressure, and no obligation – just straightforward advice to help you take your next step
At Bristolmoneyman, we take pride in offering a service that’s personal, reliable, and tailored to your needs.
From your first enquiry to completion day, your mortgage advisor in Cheltenham will be with you at every step. We break things down into clear, manageable stages and always explain your options in a way that makes sense. With access to thousands of mortgage deals, including specialist products you won’t find on the high street, we’re here to find the right fit for your circumstances.
Whether it’s flexible appointment times, honest mortgage advice in Cheltenham , or just having someone to take care of the paperwork, there’s a reason our customers come back to us time and time again.
Buying your first home is an exciting milestone, but it can also feel overwhelming when you’re not sure where to start. That’s why we offer specialist support for first time buyers in Cheltenham, guiding you through each stage of the mortgage journey with clear, friendly advice.
The first thing we’ll help you do is understand how much you can borrow. Your mortgage advisor in Cheltenham will carry out an affordability assessment, taking into account your income, deposit, credit history, and regular spending. Once we have the numbers, we’ll search through thousands of deals to find one that suits your budget and long-term plans.
We’ll also help you prepare a Mortgage in Principle, which shows sellers that you’re ready to move forward. From viewing homes to getting your offer accepted and completing your mortgage application, we’ll be right there with you.
Even if you’ve got a smaller deposit, limited credit history, or you’re not sure where to begin, we’ll help you take those first steps with confidence.
When you’re moving house, your mortgage needs are just as important as finding the right property. Whether you’re upsizing, downsizing, or relocating within Cheltenham, we’ll help you understand what’s possible and find a mortgage deal that works with your next move.
If your current mortgage is portable, we’ll check whether you can transfer it to your new home or whether switching to a new deal makes better financial sense. Either way, your mortgage advisor in Cheltenham will handle the details and take the stress out of the paperwork.
We’ll help you work out how much you could borrow, calculate what your monthly repayments might look like, and guide you through the timing of selling and buying at the same time, which is often the most complicated part of the process.
Moving home comes with a lot of logistics, but your mortgage doesn’t have to be one of them. With our support, you can focus on your move while we take care of everything behind the scenes.
Whether you’re purchasing your first rental property or managing a growing portfolio, getting the right buy to let mortgage is key to making your investment work. As a landlord in Cheltenham, you’ll need to consider more than just the rate – things like rental yield, tax implications, and property type all come into play.
Our mortgage advisors in Cheltenham understand the buy to let market and work with a wide panel of lenders offering products for both individual and limited company landlords. We’ll help you understand deposit requirements, typically around 20% to 25% – as well as how lenders assess rental income.
We also provide support for more specialist needs, including HMO mortgages, holiday lets, and let to buy options. Whether you’re a seasoned investor or buying to let for the first time, we’ll help you explore the right route forward, manage the application process, and keep things running smoothly from start to finish.
If your current mortgage deal is nearing its end, now’s the time to look at your options. Without remortgaging, you’re likely to be switched onto your lender’s standard variable rate, which usually comes with higher interest and increased monthly repayments.
Remortgaging can help reduce your payments, secure a better rate, or release funds for other purposes. Many homeowners in Cheltenham use remortgaging to pay for home improvements, raise money for a big purchase, or consolidate unsecured debts into their mortgage.
Our remortgage advisors in Cheltenham, will compare your current deal with what’s on the market, walk you through any fees involved, and help you decide whether it’s time to switch. We recommend starting this process around six months before your deal ends, giving you time to line up your next mortgage without a gap.
If you’re self-employed and trying to get a mortgage, the process can feel a bit more involved – but it doesn’t have to be difficult. Whether you’re a sole trader, limited company director, or contractor, we’re experienced in helping self-employed clients across Cheltenham secure mortgages that reflect how they earn.
Lenders will want to see proof of income, which might include SA302s, tax calculations, or full sets of business accounts. We’ll help you understand what’s required, present your documents clearly, and match you with lenders who regularly work with self-employed applicants.
Even if you’ve only been trading for a year or your income fluctuates, there are options. Your mortgage advisor in Cheltenham will take the time to understand your set-up and find the best path forward.
If you’re over 50, your mortgage options may look a little different, but they’re far from limited. Whether you’re moving home, releasing equity, or just want to switch to a deal that better suits your current lifestyle, we’ll help you explore what’s available.
Depending on your age, income, and plans, you may qualify for a standard mortgage. If not, you might want to consider later life lending products such as retirement interest-only (RIO) mortgages, term interest-only mortgages, or lifetime mortgages.
Our later life mortgage team will talk you through each of these options, explain the pros and cons, and make sure you understand how it all fits into your long-term plans. We’ll also look at affordability, eligibility, and how your property and assets play a role. The right advice here can give you peace of mind and help make the most of your financial freedom.
Buying a home isn’t always straightforward, and sometimes a little extra support can make all the difference. That’s where government mortgage schemes and specialist lender initiatives come in.
We regularly help buyers explore schemes such as:
These schemes aren’t one-size-fits-all. Each has its own criteria and benefits. We’ll explain which ones may apply to you based on your income, deposit, and buyer status. Your mortgage advisor in Cheltenham will help you make sense of the paperwork and guide you through each stage of the process if a scheme is the right fit.
A history of bad credit doesn’t mean your chances of getting a mortgage are over. In fact, there are specialist lenders who cater to applicants with defaults, missed payments, CCJs, and even past bankruptcies, and we work with many of them.
The key is to be upfront about your credit history and to understand what lenders will need from you. A higher deposit is usually required – around 10% or more depending on the severity of the issues, and your credit file will need to be reviewed in detail.
We’ll help you access and understand your credit report, explain what’s realistic, and find lenders who are more flexible about past financial mistakes. If there’s a way forward, we’ll help you find it.
If you need to complete a property transaction quickly and don’t have the funds lined up, a bridging loan could provide the short-term finance required to keep things moving.
Bridging loans are often used when you’re buying a new home before selling your current one, purchasing property at auction, or funding urgent renovations. These loans are designed to be fast and flexible, with repayment usually coming from the sale of an existing property or a long-term mortgage being arranged shortly after.
Our team will explain how bridging finance works, how interest is charged, and what exit strategies you’ll need to have in place. We’ll also assess whether this type of finance is right for you or if another route might offer better value. With the right guidance, bridging finance can be a powerful tool for time-sensitive purchases.
Our Customers Love Us
5.00 Rating7 Reviews
Anonymous
Dan and Jonathan were both brilliant and kept me informed all the way after helping me find the product that was suitable for me. I wouldn't hesitate to use Moneyman again. We communicated by email and telephone.
2 months ago
Anonymous
A bit of background - I was coming to the end of an interest only mortgage so sought advice on my options with the UKMoneyman and was introduced to Dan who was very helpful and went through my options of the different products and the pros and cons...
5 months ago
Adam
Worth their weight in gold. Helped navigate a complex mortgage enquiry, we would have fallen at the first hurdle if we were applying on our own. Excellent response times and always kept us informed. Was on the fence about going with a broker at all...
1 year ago
James
Malcolm and his team are so helpful, from the first call I had to discuss options all the way to getting my mortgage offer today. Any query I've had they answered immediately and offered to talk through my options, my case worker Lizzi was...
1 year ago
Jessica
Very responsive even in late evenings! Answered all of the questions that I had, explained the whole process through out and made the house buying process so much easier!
2 years ago
Anonymous
Helen was lovely to chat with, she booked me in for an appointment with a broker within minutes of me sending an email enquiry on a Sunday and explained everything about the process really well.
3 years ago
Eamonn
Spoke to several Mortgage Brokers about my situation and having talked to Malcolm, he fully understood my views and gave me his honest opinion. A very professional, friendly, and efficient service that enabled us to the best mortgage on the market.
4 years ago
Getting started is easy. Choose a time that suits you using our online booking system. You’ll be matched with a dedicated mortgage advisor in Cheltenham who will take the time to understand your situation and what you’re hoping to achieve.
After learning more about your income, deposit, and future plans, we’ll search across thousands of mortgage products from a wide panel of lenders. We focus on finding a deal that fits both your personal and financial circumstances.
Once you’re happy to move forward, we’ll prepare your mortgage application and submit it to the lender. You’ll have a dedicated case manager who will keep everything on track and provide regular updates from start to finish.
We also offer advice on mortgage protection, including life insurance and income cover. Our aim is to help you secure your future, not just your mortgage, and give you added peace of mind beyond completion day.
We believe expert advice should be accessible from the start. Every customer gets a free mortgage appointment with a knowledgeable advisor who will listen, assess your situation, and guide you through your options with no upfront cost.
Whether it’s your first enquiry or your fifth mortgage, there’s no pressure, just practical help when you need it.
We search across a large panel of lenders, giving you access to thousands of mortgage deals that go beyond what you’d find on the high street.
Whether your case is straightforward or requires something more tailored, we aim to match you with the most suitable product based on your individual needs.
At Bristolmoneyman, we don’t believe in one-size-fits-all advice. You’ll get a dedicated advisor and case manager who will support you at every stage of the process, explain everything in plain terms, and work to make the whole journey feel easy.
From initial chat to final offer, we’re with you all the way.
Life is busy, that’s why we offer appointments seven days a week, including evenings. Whether you work shifts, working around childcare, or just need flexibility, we’re available at a time that suits you.
The amount you can borrow depends on your income, outgoings, credit profile and deposit. Most lenders offer between four and five times your annual income, but this is just a general guide. If you’re applying jointly or have a more complex income structure, such as bonuses or self-employment, the figure could vary.
During your free mortgage appointment, we’ll carry out a full affordability assessment. This gives you a clear understanding of what’s possible based on your individual circumstances, helping you view properties in Cheltenham with more confidence.
The minimum deposit for most residential purchases is 5% of the property value. If you’re applying with a stronger credit history, you may be able to access more competitive rates with a 10 – 15% deposit. A larger deposit can also make your application more appealing to lenders.
Buy to let mortgages typically require a 20 – 25% deposit, and applicants with previous credit issues may need to put down more to offset the perceived risk. We’ll help you understand what’s expected based on your goals and credit background.
Yes, it is still possible to get a mortgage even with bad credit. Lenders will want to know the type of issues you’ve had, how long ago they occurred, and how much has been repaid. Missed payments, defaults, CCJs or even past bankruptcies are not automatic disqualifiers, but they do affect your options.
We work with specialist lenders who offer more flexible criteria. Your advisor will review your credit report, explain how it may influence your application, and talk you through the steps needed to secure a mortgage that fits your circumstances.
Your mortgage advisor in Cheltenham is here to support you at every stage of the journey. They will assess your finances, explain how much you could borrow, and find a deal that matches your needs. Beyond the numbers, they’ll manage the paperwork, liaise with the lender, and handle everything from your first enquiry through to completion.
You’ll also have a dedicated case manager who will keep everything on track and ensure your application progresses smoothly. It’s all about making the process feel straightforward and stress-free.
It’s a good idea to obtain an Agreement in Principle before you start viewing properties. This document shows estate agents and sellers that you’re financially ready to proceed. It can also help you avoid viewing homes outside your price range and gives you a clearer idea of your budget.
We can usually arrange this for you within 24 hours of your free appointment, giving you a useful head start as you begin your property search.
From submission to offer, most mortgage applications take between two and four weeks. This can vary depending on the lender, the complexity of your case, and how quickly supporting documents are provided.
We work proactively to keep your application moving. Our team will check documents upfront, respond quickly to any queries from the lender, and keep you updated from start to finish. The goal is to avoid delays and make the process feel as smooth as possible.
Yes, many customers choose to review their mortgage options before their current deal ends. While you may face early repayment charges, these can sometimes be outweighed by the savings of securing a new deal early, especially in a changing interest rate environment.
We’ll assess your current mortgage, calculate any fees involved, and compare this with what’s available on the market. That way, you’ll know whether it makes sense to switch now or wait a little longer.
A fixed-rate mortgage keeps your payments the same for a set period, usually two, five or ten years. It gives you the certainty of knowing exactly what your repayments will be each month. A variable rate mortgage, on the other hand, can change over time depending on your lender’s base rate or the Bank of England rate.
We’ll explain both options clearly and help you weigh up the pros and cons. It comes down to what suits your budget, risk tolerance and future plans.
Some mortgages are portable, which means you may be able to transfer your current deal to a new home. This can be helpful if you’re moving and want to keep the same rate. However, porting still involves a full application and assessment.
We’ll check whether your current lender allows this and help you decide whether porting is the right choice or if switching to a new mortgage product would be more beneficial.
Yes, self-employed applicants can get a mortgage, but lenders will need more evidence of your income. Typically, you’ll need one to two years of tax returns or accounts. The more consistent your earnings, the stronger your case will be.
We work with lenders who are experienced in dealing with sole traders, contractors, and limited company directors. We’ll help prepare your documents and present your income in a way that lenders are more likely to accept.
There are a few common costs to keep in mind, including arrangement fees, valuation fees, solicitor costs, and sometimes broker fees. Some mortgage products include incentives such as free valuations or cashback. Others may involve upfront charges.
We’ll always explain the total cost of your mortgage, not just the interest rate. That way, you can make a fully informed decision based on both monthly affordability and long-term value.
Lenders want to see a clean credit history, a reliable income, and a sensible approach to borrowing. To strengthen your chances, check your credit report for errors, avoid unnecessary borrowing, and aim to save a larger deposit if possible.
We’ll offer tailored advice on how to improve your profile before you apply. That could include paying off small debts, registering on the electoral roll, or spacing out credit applications. Every case is different, and we’ll guide you based on your personal situation.
A Mortgage in Principle is a document from a lender stating how much they are likely to lend you based on your income and credit checks. It is not a formal offer, but it gives you a useful reference point for your budget.
It also shows estate agents that you’re serious, which can put you in a stronger position when making an offer. We can arrange this quickly once we’ve completed your initial affordability checks.
You can typically begin reviewing your remortgage options up to six months before your current deal ends. This gives you enough time to compare offers and line up your next deal without slipping onto your lender’s standard variable rate.
Starting early also allows time to factor in any early repayment charges, helping you make a financially sound decision. We’ll talk you through everything and handle the timing for you.
Yes, we help many customers secure mortgages for second homes or holiday lets. These mortgages have slightly different criteria. Lenders will want to know whether the property is for personal use, occasional letting, or full-time rental.
You’ll often need a larger deposit and will be assessed based on your income, or in some cases, the projected rental income from the property. We’ll explain how each type of mortgage works and help you find a deal that fits your plans.
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