Finding the Right Mortgage Broker in Cheltenham | Cheltenham is a historic spa town located in the heart of Gloucestershire, renowned for its elegant architecture, excellent schools, and vibrant cultural scene. Known as the “cultural capital of the Cotswolds,” Cheltenham offers an appealing blend of town living and countryside charm. With tree-lined avenues, beautiful Regency buildings, and award-winning festivals, it’s no wonder many families, professionals, and retirees choose to settle here.
As a well-connected location with superb amenities, Cheltenham is also a thriving property market. Whether you’re a first-time buyer, upgrading, remortgaging, or investing, working with a local mortgage expert like Ian Akeroyd ensures your mortgage journey is smooth and informed.
Ian Akeroyd – Mortgage Broker in Cheltenham
Ian Akeroyd is an experienced Mortgage Broker in Cheltenham, offering professional advice tailored to your needs. He supports clients across all financial backgrounds and property goals, helping them navigate the ever-changing mortgage market.
Ian Akeroyd specialises in:
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Residential mortgages for first-time buyers and home movers
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Buy-to-let and HMOs for landlords and investors
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Bridging loans and short-term finance
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Limited company and portfolio landlord mortgages
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Second charge mortgage products
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Protection and general insurance solutions
Ian takes time to understand your income, deposit, goals, and credit history. He crafts bespoke mortgage strategies that align with your financial situation and long-term objectives. From application to completion, Ian manages the entire process, liaising with lenders, solicitors, and agents to ensure everything runs smoothly.
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Neighbouring Towns in Gloucestershire Worth Considering for Your Next Home
Cheltenham may be your primary focus, but it’s not the only Gloucestershire town offering great lifestyle and investment potential. From cathedral cities to creative hubs, neighbouring locations provide a diverse mix of housing, amenities, and mortgage options. Whether you’re a first-time buyer, self-employed, or looking to remortgage, there are plenty of opportunities just a short drive from Cheltenham.
Gloucester: Affordable City Living with Commuter Convenience
Just 15 minutes southwest of Cheltenham, Gloucester offers strong transport links, a growing property market, and riverside regeneration zones. It’s home to excellent grammar schools, local universities, and expanding business parks—making it attractive to families and professionals alike.
Mortgage Insight:
Gloucester is ideal for buyers using Help to Buy, shared ownership, or 95% LTV mortgages. It’s especially popular with first-time buyers and professionals commuting to Bristol or Cheltenham via the M5 or GWR train line.
Tewkesbury: Historic Homes and Riverside Charm
Located to the north of Cheltenham, Tewkesbury boasts a rich architectural heritage, including Tudor-fronted homes and medieval landmarks. With a picturesque town centre and riverside walks, it appeals to buyers looking for character properties and quieter living.
Mortgage Insight:
Tewkesbury suits family buyers and second-steppers seeking more space. It’s also an excellent location for renovation projects, where bridging finance or refurbishment mortgages may come into play.
Cirencester: Cotswold Elegance Meets Rural Comfort
Often referred to as the “Capital of the Cotswolds”, Cirencester blends market-town atmosphere with upscale countryside living. It’s popular among remote professionals, semi-retired homeowners, and those drawn to period homes or converted barns.
Mortgage Insight:
This is a strong area for high-value mortgages, equity release for older homeowners, and complex mortgage structuring for self-employed applicants or business directors.
Stroud: Creative Culture and Sustainable Living
Stroud offers a vibrant, independent lifestyle rooted in sustainability and the arts. Known for its organic markets, green schools, and diverse population, it’s a hub for remote workers and young families seeking a more values-led community.
Mortgage Insight:
Many buyers in Stroud opt for flexible, tracker, or offset mortgages, particularly if they have fluctuating income or plan to make overpayments. The area also suits eco-conscious buyers looking to finance energy-efficient homes or renovations.
Living in Cheltenham: Attractions, Amenities, and Transport
Cheltenham is one of the UK’s most desirable spa towns, offering a compelling blend of historic charm, modern amenities, and excellent connectivity. Whether you’re relocating for work, education, or lifestyle, Cheltenham appeals to professionals, families, retirees, and property investors alike.
This guide explores what makes Cheltenham a standout location to live, including its attractions, facilities, transport links, and who it’s best suited for.
Cultural Attractions in Cheltenham
Cheltenham is a hub for arts, sports, and heritage. It offers year-round cultural experiences that attract visitors from across the UK and beyond.
Cheltenham Festival
Cheltenham Racecourse hosts the world-famous Cheltenham Festival, a four-day celebration of jump racing that culminates with the prestigious Gold Cup. It draws over 250,000 spectators annually and significantly contributes to the local economy.
Literature, Jazz, Science & Music Festivals
Cheltenham is home to a calendar of high-profile events:
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Cheltenham Literature Festival – One of the oldest literary festivals in the world, attracting global authors and speakers.
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Cheltenham Jazz Festival – Showcasing international jazz talent and emerging UK artists.
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Cheltenham Science Festival – Promoting innovation, creativity, and critical thinking through interactive talks and workshops.
Pittville Park & Pump Room
This historic park features boating lakes, tennis courts, a café, and the Grade I-listed Pittville Pump Room, once famed for its spa waters. It’s a popular spot for families, walkers, and heritage enthusiasts.
Amenities and Lifestyle Facilities
Cheltenham provides a balance of urban convenience and Cotswold tranquillity. Residents enjoy a mix of high-street shopping, fine dining, and essential services.
Shopping
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Cheltenham High Street – Offers a wide selection of retailers, from national chains to local independents.
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Montpellier District – Known for upscale boutiques, antique stores, and stylish cafés.
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Regent Arcade – An indoor shopping centre with high street fashion brands, tech stores, and eateries.
Food & Drink
Cheltenham’s culinary scene caters to all tastes:
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Michelin-starred restaurants – Including the acclaimed Le Champignon Sauvage.
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Gastro pubs and wine bars – Spread throughout town, particularly in Montpellier and The Suffolks.
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Farmers markets and cafés – Offering local produce and artisan goods.
Healthcare
The town is well served by:
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Cheltenham General Hospital – A key NHS facility offering emergency care and specialist treatments.
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Private healthcare providers – Including clinics for dental care, physiotherapy, and outpatient services.
Education in Cheltenham
Cheltenham is known for its academic excellence and wide range of schooling options.
State Schools
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Pate’s Grammar School – Consistently ranks among the top state schools in the UK.
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Other high-performing primary and secondary schools include Balcarras School and Bournside School.
Independent Schools
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Cheltenham College – A co-educational day and boarding school with a rich history.
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Dean Close School – Offers a blend of academic rigour and extracurricular enrichment.
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Cheltenham Ladies’ College – One of the UK’s most prestigious girls’ schools.
Higher Education
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University of Gloucestershire – With a dedicated campus in Cheltenham, offering undergraduate and postgraduate programmes in business, education, media and more.
Transport Links
Cheltenham benefits from strong transport infrastructure, making it easy to travel locally and nationally.
By Rail
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Cheltenham Spa Station offers direct rail services to:
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London Paddington – approx. 2 hours
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Bristol Temple Meads – approx. 45 minutes
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Birmingham New Street – approx. 50 minutes
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Cardiff Central – approx. 1 hour
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By Road
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M5 Motorway – Connects Cheltenham to Bristol (south) and Birmingham (north).
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A40 – Links to Oxford and the M40 corridor.
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A417/A419 – Provides access to Swindon and the South East.
By Bus and Coach
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A comprehensive bus network operated by Stagecoach West covers Cheltenham and nearby towns.
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National Express and Megabus services connect Cheltenham to major UK cities.
By Air
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Gloucestershire Airport (Staverton) – For private and chartered flights.
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Bristol and Birmingham Airports – Both within 90 minutes’ drive, offering international connections.
Who Is Cheltenham Ideal For?
Cheltenham’s combination of natural beauty, vibrant events, excellent education and strong infrastructure appeals to a wide range of residents.
1. Commuters
Thanks to fast rail links and road access, Cheltenham is ideal for professionals working in:
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Bristol
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Birmingham
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Oxford
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London (via occasional commutes)
2. Families
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High-ranking schools and green spaces make Cheltenham especially attractive to families seeking a safe and nurturing environment.
3. Retirees
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The town’s cultural calendar, peaceful parks, and healthcare options provide an excellent quality of life for older adults.
4. Property Investors and Landlords
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High rental demand from:
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University students
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Festival attendees
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Young professionals
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Cheltenham’s property market remains resilient, with year-on-year value growth and steady tenant demand.
Ready to Buy or Invest in Cheltenham?
Cheltenham offers a lifestyle that combines the charm of the Cotswolds with the convenience of urban living. Whether you’re relocating, upsizing, or investing, securing the right mortgage is crucial. Don’t leave your mortgage to chance. Trust a local expert who understands the Cheltenham property market and Gloucestershire’s broader housing landscape.
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