How many mortgage brokers are in Cheltenham?

38 FCA-regulated firms are listed for Cheltenham; 1 have verified profiles. Common focus areas include Buy-to-Let, Commercial, Holiday Lets, Ltd Co, Residential.

Why use a mortgage broker in Cheltenham instead of only my bank?

Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Cheltenham often know which underwriters are comfortable with nearby property types and survey quirks. 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.

What does mortgage advice typically cost in Cheltenham?

Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.

What should I check before choosing a broker in Cheltenham?

Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Commercial, Holiday Lets), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Can I get a mortgage in Cheltenham with adverse credit?

Often yes. Cheltenham has advisers who work with specialist lenders when high-street banks say no. Earlier advice usually means more routes stay open.

Mortgage Brokers in Cheltenham, South West

Q: What do typical property prices look like in Cheltenham?

The average price in our data is £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.

About Cheltenham

Plain-English context for buyers and people remortgaging — what the market looks like, how advice works here, and what to do next.

Compact table of top mortgage brokers in Cheltenham
#	Broker	Verified	Rating
1	UrbanSpencer	Verified	5.0 (6)
2	Independent Mortgage Brokers	Unverified	5.0 (379)
3	Neil Gayler & Co	Unverified	5.0 (3)
4	Cotswold Mortgage Advice Centre	Unverified	5.0 (140)
5	iPipeline UK - Cheltenham office	Unverified	5.0 (8)
6	Wilson Cook	Unverified	5.0 (201)
7	rockwealth Financial Advisers	Unverified	5.0 (25)
8	The Wealth Harbour Limited	Unverified	5.0 (4)
9	Maxco Financial	Unverified	5.0 (58)
10	The Commercial Branch	Unverified	5.0 (10)

Local snapshot

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.

What local advisers focus on

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.

Quick answers

How many mortgage brokers are in Cheltenham?: 38 FCA-regulated firms are listed for Cheltenham; 1 have verified profiles. Common focus areas include Buy-to-Let, Commercial, Holiday Lets, Ltd Co, Residential.
What do typical property prices look like in Cheltenham?: The average price in our data is £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.
Why use a mortgage broker in Cheltenham instead of only my bank?: Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Cheltenham often know which underwriters are comfortable with nearby property types and survey quirks. 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.
What does mortgage advice typically cost in Cheltenham?: Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.
What should I check before choosing a broker in Cheltenham?: Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Commercial, Holiday Lets), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Prices and rates

Typical prices £336,877.

Annual movement about 2.2% (rising).

Mix of home types (averages)

Detached: £646,661
Semi-detached: £408,753
Terraced: £335,811
Flats: £213,117
First-time buyer purchases: £282,069

Borrowing costs in context

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.

Choosing advice

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.

Street-level detail

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.

From application to completion

Shortlist two or three firms from the list above that match your situation (Cheltenham is already filtered for you).
Read profiles for fees, specialisms, and how they prefer to work (phone, video, face-to-face).
Book a first call — use it to test clarity and responsiveness, not just the rate quote.
Agreement in Principle (AIP) — when you are ready, your broker can run this so offers carry more weight with agents and vendors.

Find the Best Mortgage Brokers or Advisers in Cheltenham

Directory snapshot — Cheltenham

Need help choosing a broker?

Top 10 mortgage brokers in Cheltenham

UrbanSpencer

Independent Mortgage Brokers

Neil Gayler & Co

Cotswold Mortgage Advice Centre

iPipeline UK - Cheltenham office

Wilson Cook

rockwealth Financial Advisers

The Wealth Harbour Limited

Maxco Financial

The Commercial Branch

More areas in South West

Explore Postcode Districts Near Cheltenham

Market data for Cheltenham

Market data panel