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Mortgage Broker in Cheltenham

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

0117 440 4704Speak to an Advisor - It's Free!
Malcolm Davidson - Managing Director of Bristolmoneyman

Mortgage Broker in Cheltenham

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Speak to an Advisor - It's Free! 0117 440 4704
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Providing Expert Mortgage Advice in Cheltenham

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.

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Popular Mortgage Scenarios in Cheltenham

All of our Customers Receive a Free Mortgage Appointment!

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

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Why Speak to a Mortgage Broker in Cheltenham?

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.

 

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Popular Mortgage Scenarios in Cheltenham

Are you looking to buy your first home in Cheltenham?

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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.

Looking to move home in Cheltenham?

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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.

Need a Buy to Let Mortgage in Cheltenham?

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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.

Is It Time to Remortgage in Cheltenham?

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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.

 

Self-Employed and Looking for a Mortgage in Cheltenham?

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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.

Over 50 and Thinking About a Mortgage in Cheltenham?

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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.

Curious About Mortgage Schemes in Cheltenham?

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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:

  • Shared Ownership, where you part-buy and part-rent your home
  • First Homes, offering new build homes at a discount for eligible buyers
  • Right to Buy, giving eligible tenants the chance to purchase their council home

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.

Can You Get a Mortgage with Bad Credit in Cheltenham?

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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.

Need a Bridging Loan in Cheltenham?

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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.

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Our Simple 4-Step Process

Book Your Free Appointment

Step 1

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.

We Search 1000s of Mortgage Deals

Step 2

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.

Your Application, Fully Managed

Step 3

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.

Protecting You and Your Mortgage

Step 4

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.

Reasons to Choose Us

Expert Mortgage Advice in Cheltenham

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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.

Access to Thousands of Mortgage Products

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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.

A Service That Puts You First

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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.

We’re Here When You Need Us

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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.

Malcolm and Amy Davidson - Mortgage Advice in Bristol

Common Mortgage Questions in Cheltenham

How much can I borrow for a mortgage in Cheltenham?

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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.

What deposit do I need for a mortgage in Cheltenham?

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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.

Can I get a mortgage in Cheltenham with bad credit?

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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.

What does a mortgage advisor in Cheltenham do?

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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.

When should I get an Agreement in Principle in Cheltenham?

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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.

How long does a mortgage application take in Cheltenham?

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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.

Can I remortgage early in Cheltenham?

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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.

What’s the difference between a fixed-rate and variable mortgage?

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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.

Can I move my mortgage to a new property in Cheltenham?

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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.

Can I get a mortgage if I’m self-employed in Cheltenham?

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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.

What are the costs involved in getting a mortgage?

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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.

How can I improve my chances of getting a mortgage in Cheltenham?

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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.

What is a Mortgage in Principle?

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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.

How early can I remortgage in Cheltenham?

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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.

Can I get a mortgage on a second home or holiday let in Cheltenham?

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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.

We Search 1000s of Mortgages in Cheltenham

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Bristolmoneyman.com & Bristolmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.

© Bristolmoneyman 2025.

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