Mortgage Broker in Cheltenham

Before you start viewing properties, it’s important to understand what’s involved in getting a mortgage as a first-time buyer in Cheltenham.

How much can you borrow? What type of mortgage is best for you? Are there schemes available to help with your deposit? As a mortgage broker in Cheltenham, we work closely with first-time buyers to simplify the process.

We’ll assess your financial situation, explain what lenders are looking for, and guide you through each step, from getting an agreement in principle to securing a deal that works for your budget.

When you’re planning on moving home in Cheltenham, your mortgage can play a big part in what’s possible.

Should you port your existing deal to the new property, or would a new mortgage offer better terms? How much can you borrow this time around?

As a mortgage broker in Cheltenham, we help you assess your options, whether you’re upsizing or downsizing. We’ll review your current mortgage, calculate your new budget, and connect you with lenders offering products that suit your next move.

Remortgaging isn’t just about switching to a better interest rate, it can also be a way to release equity, adjust your repayment term or consolidate debts.

If your current deal is ending or your financial circumstances have changed, it might be worth exploring new options. As a mortgage broker in Cheltenham, we can review your existing mortgage, assess what you could save, and connect you with lenders offering competitive remortgage deals.

Whether you’re looking to lower your monthly payments or fund a home renovation, we’re here to help you find the right product for your needs.

Investing in property can be a smart move, but finding the right buy to let mortgage in Cheltenham requires careful planning.

Unlike standard residential mortgages, buy to let deals are typically assessed based on potential rental income rather than your personal earnings.

Deposit requirements are usually higher, starting at 25%, and lenders may offer interest-only or repayment options depending on your investment strategy.

As a mortgage broker in Cheltenham, we work with lenders who specialise in buy to let products. We’ll help you understand what you can borrow, what rental income you’ll need to qualify, and which deals could maximise your returns.

If you’re looking to buy a home but aren’t sure how to make it affordable, exploring the available mortgage schemes could be a good starting point.

Options like Shared Ownership and Right to Buy are designed to support buyers with lower deposits or specific financial situations.

Understanding how these schemes work, what the eligibility criteria are, and how they could impact your borrowing power is key.

As a mortgage broker in Cheltenham, we can explain the schemes currently available, assess whether you qualify, and guide you through the application process.

If you’re self-employed in Cheltenham, getting a mortgage can feel more challenging, but it’s entirely achievable with the right preparation.

Lenders will typically look at two to three years of financial records, including tax returns, SA302s, and bank statements, to assess your income stability. For company directors, some lenders may also consider retained profits or dividend income.

As a mortgage broker in Cheltenham, we work with lenders who specialise in self-employed mortgages, including those who are open to applicants with complex or fluctuating income.

If you’re over 60 and considering a mortgage, you may have more options than you think.

Whether you’re looking to downsize, release equity, or buy a new home, some lenders now offer products specifically designed for older borrowers.

These include retirement interest-only mortgages and standard repayment mortgages with flexible terms that take pension income into account.

As a mortgage broker in Cheltenham, we can help you navigate the options available, assess what you can afford, and connect you with lenders who specialise in later-life lending.

A poor credit history doesn’t have to mean the end of your plans to get a mortgage.

While some lenders may be stricter with their criteria, others specialise in bad credit mortgages and consider applicants with missed payments, defaults, or CCJs.

As a mortgage broker in Cheltenham, we work with these specialist lenders, helping you understand what’s possible based on your current financial circumstances.

We’ll review your credit profile, explain how it may impact your borrowing options, and guide you toward lenders who are more likely to approve your application.

A bridging loan can provide fast, short-term finance when timing is crucial, whether you’re buying a property before selling your current one, purchasing at auction or funding urgent renovations.

These loans are typically secured against property and are intended to be repaid within a set timeframe, usually when a sale completes or longer-term finance is secured.

As a mortgage broker in Cheltenham, we work with lenders who specialise in bridging finance, offering competitive rates and flexible repayment terms.

If you need funds quickly and want to explore whether a bridging loan is the right option, we’re here to guide you through the process and connect you with suitable lenders.