Find the best FCA regulated mortgage brokers & advisers in Cheltenham, South West, England. Get expert help with home buying, remortgaging, equity release and more.

There are 38 approved mortgage brokers in Cheltenham, South West, England, including 1 verified and 24 rated 4.5 or above. Top specialisations include Buy-to-Let, Commercial, Holiday Lets.
Directory data as of 31 May 2026
Most common specialisations locally
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Sample adviser photos for illustration.
| # | Broker | Verified | Rating |
|---|---|---|---|
| 1 | UrbanSpencer | 5.0 (6) | |
| 2 | Independent Mortgage Brokers | 5.0 (379) | |
| 3 | Neil Gayler & Co | 5.0 (3) | |
| 4 | Cotswold Mortgage Advice Centre | 5.0 (140) | |
| 5 | iPipeline UK - Cheltenham office | 5.0 (8) | |
| 6 | Wilson Cook | 5.0 (201) | |
| 7 | rockwealth Financial Advisers | 5.0 (25) | |
| 8 | The Wealth Harbour Limited | 5.0 (4) | |
| 9 | Maxco Financial | 5.0 (58) | |
| 10 | The Commercial Branch | 5.0 (10) |
Showing 10 of 38 brokers. .
Browse other areas in South West with brokers listed on Mortgage118.
Browse postcode districts represented by brokers listed around Cheltenham.
House price figures from the UK House Price Index. For the Bank of England base rate, see our dedicated page (also in the site footer).
Unified 10-year view: average price, annual change, and current property-type levels in one chart.
Time window
May 2016 to January 2026
LHS shows monthly average prices in GBP; RHS shows monthly year-on-year % change. Dashed horizontal lines show latest property-type levels (December 2025).
Source: HM Land Registry UK House Price IndexUpdated: 31/05/2026
Plain-English context for buyers and people remortgaging — what the market looks like, how advice works here, and what to do next.
Cheltenham (South West) lists 38 FCA-regulated mortgage brokers on Mortgage118 (1 verified). Typical sold prices here average £336,877 — up 2.2% year-on-year.
The South West saw modest growth of 0.3% in 2025. The region's mix of coastal towns, rural areas, and cities like Bristol creates a varied market. Remote working trends continue to support demand in previously less accessible locations.
Together they cover Buy-to-Let, Commercial, Holiday Lets, Ltd Co, Residential — useful whether you are buying for the first time, remortgaging, or building a buy-to-let portfolio.
Typical prices £336,877.
Annual movement about 2.2% (rising).
The Bank of England Bank Rate is one input to mortgage pricing; see the Bank base rate page on this site for the figure we publish. The deal you are offered still depends on deposit, term, fixed vs variable, and affordability stress tests — not any single headline rate.
You can compare 38 firms side by side (1 verified on-site). 3 show 10+ years trading history.
Collective review score is 4.9/5 across 27 brokers with ratings — use it alongside specialisms and fee transparency.
Strongest demand on our list is for Buy-to-Let, Commercial, Holiday Lets, Ltd Co. Commercial and development lending options appear on the roster — useful if you are outside vanilla residential.
Property types vary enormously — from Bristol city flats to Cornish cottages. A local broker who understands non-standard construction (common in older properties here) can access specialist lenders most buyers wouldn't find on their own.
On the ground, a good adviser spots survey quirks, lease issues, and lender overlays that postcode-level stats miss.
Most offer a no-obligation first call so you can sense-check strategy before paying anything.
Mortgage118 is an independent broker directory — not a mortgage broker or lender — and does not provide mortgage advice. All brokers listed hold their own individual FCA authorisation; always verify a broker's status on the FCA Register. Important: Your home may be repossessed if you do not keep up repayments on your mortgage, and you should think carefully before securing other debts against your home. Mortgage118 does not charge consumers. If you have a complaint about a mortgage broker, contact the Financial Ombudsman Service. Mortgage brokers are not covered by the Financial Services Compensation Scheme (FSCS) for mortgage advice — check with your broker directly about their professional indemnity insurance. Mattison Elm Ltd trading as Mortgage118 — Company No. 09831228 — Registered at 7 Bell Yard, London WC2A 2JR.