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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!

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

Providing expert mortgage advice in Cheltenham

Are you in need of expert mortgage advice in Cheltenham? Well, you’ve come to the right place. As a trusted mortgage broker in Cheltenham, our main goal is to alleviate all the stress and hassle that comes with the mortgage process. We want to provide you with a smooth and hassle-free experience.

One of the most important aspects of our service is helping you figure out how much you can borrow, as well as finding a mortgage deal that is tailored to your specific circumstances. With over two decades of experience in the mortgage industry, we have the knowledge and expertise to guide you through your mortgage process.

We understand that everyone is busy, which is why we’re available 7 days a week to ensure that you can reach out to us at a time that works best for you. Take advantage of our online booking system, where you can choose a date and time that suits your needs.

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Popular Mortgage Scenarios in Cheltenham

Book your free mortgage appointment online today!

Every customer can benefit from a free mortgage appointment. By taking advantage of this service, you will have the opportunity to discuss your mortgage requirements with a knowledgeable mortgage advisor in Cheltenham. They will provide invaluable guidance on your specific mortgage situation and address any queries you may have.

In addition, they will conduct a comprehensive affordability assessment, taking into consideration factors such as your income and expenditures, to determine the most suitable mortgage solutions for you.

Obtaining mortgage advice in Cheltenham has never been more convenient. You can effortlessly book your free consultation online or simply give our professional team a call. Rest assured, this initial phase incurs no charges, enabling you to gain insights into your mortgage options in Cheltenham without any obligations.

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Popular Mortgage Scenarios in Cheltenham

First Time Buyer Mortgages in Cheltenham

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Entering the mortgage world as a first time buyer in Cheltenham can feel like a daunting journey. Where does one even begin?

Fear not, we are here to lend our expertise and support throughout the entire mortgage process, ensuring that you feel comfortable during this potentially stressful time.

Our initial focus will be on determining the affordability of a mortgage, ensuring that you fully comprehend the necessary steps involved in securing your first mortgage in Cheltenham.

A crucial aspect of your mortgage journey is saving for a deposit. You should make sure that you can provide around 5%-10% of the property’s value before making any offers. Assuming you have a good credit score and a 5%-10% deposit, as a first time buyer in Cheltenham, you should be able to access favourable interest rates and competitive products.

However, if you face a poor credit history as a first time buyer in Cheltenham, you may be required to provide a minimum 10% deposit. During your free mortgage appointment, your mortgage advisor in Cheltenham will look through your options with you if you have bad credit.

Moving Home Mortgages in Cheltenham

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When it comes to moving home in Cheltenham, it’s not just about finding a new place to live, you also need to consider your mortgage options. Sometimes, it’s not possible to transfer your current mortgage to your new Cheltenham, therefore, you will need to take out a new mortgage product.

We understand that moving homes already comes with its fair share of challenges, and adding the mortgage aspect to that can feel overwhelming. This is why using a mortgage broker in Cheltenham can be incredibly beneficial.

Our mortgage advisors in Cheltenham are dedicated to making your moving home experience as stress-free as possible for you. They will work hard to find you a competitive new mortgage that suits your specific needs for your new home in Cheltenham.

Let us take care of the mortgage side of things while you focus on the actual moving!

Buy to Let Mortgages in Cheltenham

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When it comes to securing a new mortgage for your buy to let property/properties in Cheltenham, it’s crucial to ensure you’re getting the best possible deal for your financial situation. As a mortgage broker in Cheltenham, we specialise in finding the perfect mortgage that is tailored to your individual needs and financial circumstances.

Whether you currently have a portfolio of buy to let properties in Cheltenham or you’re looking to invest in your first property, our experienced team are here to guide you through the mortgage process.

If you’re considering remortgaging your buy to let property in Cheltenham, we’ll ensure that you’re still getting the most competitive rate available given your specific circumstances.

In addition to buy to let mortgages, our dedicated team also assists landlords in securing HMO mortgages, let to buy mortgages, and holiday let mortgages in Cheltenham. Whatever your property investment goals may be, we’re here to help you find the right mortgage solution.

Remortgaging in Cheltenham

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As your fixed mortgage term in Cheltenham draws near its end, it’s crucial to start looking at the idea of remortgaging your current product. The remortgage process involves replacing your existing deal with a new mortgage product.

If you fail to remortgage before the end of your fixed term, your lender will automatically transfer you to their standard variable interest rate. Unfortunately, this new rate is likely to be substantially higher than what you were previously paying, resulting in potential increases in your monthly mortgage repayments.

As a mortgage broker in Cheltenham, we highly recommend exploring your remortgage possibilities around six months before your current fixed term comes to an end. This timeframe gives both you and your mortgage advisor in Cheltenham ample opportunity to assess your options. In some instances, you might even be able to remortgage ahead of schedule and switch to a more beneficial deal that saves you money in the long run,

When considering remortgaging in Cheltenham, it’s important to acknowledge the range of other options available to you. For example, you may explore remortgaging to release equity, finance home improvements, or consolidate debt into your mortgage. While these options may extend your overall mortgage term and increase your monthly repayments, they can prove advantageous in the short term.

Self Employed Mortgages in Cheltenham

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If you are self employed in Cheltenham, the mortgage process may be slightly different for you than for other applicants. The general process remains the same, but you will need to provide additional documentation to prove your income and mortgage affordability.

When you have your free mortgage appointment, your mortgage advisor in Cheltenham will carefully review your financial situation and determine if it is feasible for you to obtain a mortgage given your self employed status.

Fortunately, there are specialised mortgage lenders who cater to self employed individuals. Our role is to search for these lenders and find the best mortgage product that suits your needs and current circumstances.

Mortgages For Over 50s in Cheltenham

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If you’re 50 and are on the lookout for a mortgage in Cheltenham, look no further than our experienced later-life mortgage team.

We understand that the mortgage market can be confusing, but worry not! We’re here to help you navigate through the options and find the perfect fit for your unique situation.

Surprisingly, traditional mortgage methods might still be an option for you. Book your free mortgage appointment online today and discuss your mortgage options with a member of the team.

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Our Simple 4-Step Process

Free Mortgage Appointment

Step 1

The first step is to reach out to our team and schedule your free mortgage appointment.

During this session, we will thoroughly examine your unique mortgage circumstances and gain a deep understanding of your goals and aspirations. We aim to provide you with the best possible guidance tailored specifically to your needs.

1000s of Mortgage Deals

Step 2

Once we have a clear understanding of your goals, we can begin searching for a personalised mortgage product that suits your unique circumstances.

With a search through 1000s of different products, we will try and find the perfect solution to meet your needs.

Your Mortgage Application

Step 3

Once you are satisfied with the mortgage product we have found you, we are ready to begin the process of preparing your mortgage application.

Here on, you will be collaborating closely with a diligent case manager who will help you prepare your mortgage application.

Protecting You and Your Mortgage

Step 4

As your mortgage broker in Cheltenham, we also prioritise your insurance options, making sure that you and your family are protected.

Once you have decided whether you want to take out insurance alongside your mortgage or not, we can send off your mortgage application.

Reasons to choose us

Free Appointment in Cheltenham

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If you require mortgage advice in Cheltenham, get in touch with our team for a free mortgage appointment.

Skip the hassle and simply book online or give us a call to arrange a date and time. Whether it’s early in the morning, during the afternoon, or even in the evening, we’re here to assist you.

1000s of Mortgage Deals

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Being a mortgage broker in Cheltenham, we take pride in our ability to search through 1000s of mortgage options. With our expertise, we strive to discover the perfect solution for your specific needs and circumstances.

We don’t limit ourselves to just high street mortgage products. Our access extends to specialist mortgages as well.

So, if you have bad credit or are facing a complex situation, fear not! We may still be able to unlock a viable solution for you.

AIP Within 24 Hours

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Within 24 hours of your free mortgage appointment, we can organise an agreement in principle (AIP) for you. An AIP is needed while submitting an offer on a property because it confirms that you have already been pre-approved by a mortgage lender.

Should your AIP expire, all you need to do is reach out to your mortgage advisor in Cheltenham, and they will readily update it for you.

7 Days a Week

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We’re available 7 days a week, and even across most bank holidays!

When it comes to seeking mortgage guidance in Cheltenham, we aim to provide flexibility and convenience. Book your free mortgage appointment at a time that suits you.

Malcolm and Amy Davidson - Mortgage Advice in Bristol

Common Mortgage Questions in Cheltenham

How much deposit do I need for a mortgage in Cheltenham?

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The answer to this question can differ depending on your credit rating and the specific mortgage you’re aiming for in Cheltenham.

If you have good credit, it’s usually required to put down a deposit ranging from 5% to 10%. Also, the higher the cost of the property, the higher the required deposit.

In the case of having bad credit, lenders in Cheltenham may require a deposit of 10% to 15%. However, having bad credit isn’t necessarily a detriment, although we recommend attempting to enhance your credit rating to access potentially better mortgage rates.

For those interested in a buy to let mortgage in Cheltenham, a deposit of 25% to 40% will be required.

Can I have more than one mortgage in Cheltenham?

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Indeed, it is entirely feasible to obtain multiple mortgages in Cheltenham. Several circumstances could provoke such a decision.

The most popular situation is when an individual seeks a mortgage for purposes such as buy to let, let to buy, or holiday lets. It’s worth noting that such aspirations often necessitate a substantial deposit and an impressive credit rating, as most mortgage providers demand these prerequisites.

Occasionally, individuals may desire a secondary mortgage to assist their children or another family member who is encountering difficulties in saving for a deposit.

I have been declined by my bank, can I get a mortgage in Cheltenham?

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If you decide to apply for a mortgage online or directly through a bank, there is a chance that your application may be rejected. This can occur for various reasons, such as not meeting the necessary criteria.

However, it is crucial to avoid repeatedly applying, each rejection can hurt your credit score, making it even more challenging to secure financing in the future.

As a mortgage broker in Bristol, we strongly advise consulting with a knowledgeable professional to gain insights into the mortgage options available to you. By speaking with a mortgage advisor in Bristol, you will not only receive guidance but also have your affordability assessed accurately.

Are you in a complicated mortgage situation in Cheltenham?

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If you find yourself in a complex mortgage situation, it would be wise to seek mortgage advice in Bristol. Engaging with a knowledgeable professional can introduce fresh perspectives and expand your possibilities.

Do not hesitate to reach out to our team, we would be delighted to respond to your queries and assist you in embarking on your mortgage journey Cheltenham.

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Foundation Home Loans & 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: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

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