Looking for a trusted mortgage broker Cheltenham homebuyers rely on for clear, independent advice? Stephen at Orchard Mortgage Solutions helps first-time buyers, home movers, remortgagers and landlords find the right deal. In addition, he advises clients in Gloucester, Tewkesbury, the Cotswolds and the surrounding towns.
Mortgage Broker Cheltenham - Independent Mortgage Advice Across Gloucestershire
Meet Stephen – The Mortgage Broker Cheltenham Buyers Trust
Stephen is an experienced, independent mortgage broker Cheltenham clients happily recommend to friends and family. Rather than offering one bank’s products, he searches a wide range of UK mortgage lenders for you. As a result, you get advice tailored to your income, your plans and your circumstances.
What really sets Orchard apart, however, is how we handle cases other advisers turn away. Because Stephen knows lender criteria inside out, he presents complex applications in the strongest possible light. Equally important, our long-standing lender relationships mean underwriters listen when a case needs explaining. So, if you have been told no elsewhere, it is always worth getting a second opinion.
Stephen can help with:
- First Time Buyer Mortgages in Cheltenham
- Remortgages in Cheltenham
- Home Mover Mortgages
- Bad Credit Mortgages
- Self-Employed Mortgages
- Buy to Let Mortgages
- Secured Loans
- Bridging Finance
- Commercial Mortgages
Speak Directly with Stephen – Local,
Independent Mortgage Advice in Cheltenham
Call Stephen directly: 0800 246 1058Use Our Contact Form
Mortgage Services
in Cheltenham
Stephen provides a full range of mortgage advice services in Cheltenham, helping homeowners, buyers and property investors secure suitable finance.
First Time Buyer Mortgages
Taking you through every step of the application – from finding the right first time buyer mortgage to collecting those keys.
Home Movers Mortgage
Whether you’re upsizing, downsizing, or relocating for a new chapter, we’re here to help you with the home movers mortgage process.
Remortgaging
Fixed rate coming to an end? Wanting to release money for home improvements or to consolidate debt? We’ll help you remortgage.
Bad Credit Mortgage
We specialise in helping clients with a wide range of credit profiles. So if your past financial situation is holding you back, we’re here to find a way forward.
Self-Employment Mortgages
Getting a mortgage when you are self-employed can seem like a daunting task. But, with the right advice, it’s not impossible.
Buy To Let Mortgages
Investing in a property as a landlord is a huge undertaking. Make sure you have our support throughout the process.
Equity Release Mortgages
Unlock the value of your home in later life with an equity release mortgage. At Orchard Mortgage Solutions, we understand that your home is more than just a place to live. It’s also a valuable asset.
Retirement Interest Only Mortgage
A Retirement Interest Only Mortgage (also known as a RIO mortgage) is designed to help older homeowners access the value in their home, without the need to move.
Expat Mortgages
Are you a UK expat looking to buy property in the UK? Whether you’re working overseas or living abroad permanently, Orchard Mortgage Solutions is here to help.
Specialist
Mortgages
If you’re looking for help or advice with your mortgage, get in touch with Orchard Mortgage Solutions. Our friendly team will find the solution to suit you.
Bridging Finance
A short-term financing option designed to help homebuyers bridge the financial gap between buying a new property and selling their current one especially useful in time-sensitive purchases.
Second Charge Loans
If you need extra money but want to keep your current mortgage, a second charge mortgage allows you to borrow money while making sure that your current mortgage remains unaffected.
Commercial Mortgages
Looking for a commercial mortgage to grow your business or expand your property portfolio? We specialise in finding tailored commercial mortgage solutions.
Insurance Services
in Cheltenham
Quality insurance is important for anyone with a home of their own, or who is currently in the process of buying one. At Orchard Mortgage Solutions, we’ll help you secure the best insurance for you and your home.
Life Insurance
Have peace of mind that your loved ones will be well-taken care of in your absence.
Critical Illness Cover
Plan for the unexpected to support you or a loved one in case of a severe injury or illness.
Income Protection
Tailored income protection plans that provide peace of mind & financial security when you need it most.
Accident Sickness & Unemployment
A short-term income protection policy designed to help cover essential bills if you’re unable to work.
Buildings & Contents Insurance
Make sure that your building and belongings are protected from damage.
Why Clients Choose Orchard as Their Mortgage Broker in Cheltenham
Ultimately, clients choose Stephen because he combines local knowledge with real expertise in difficult cases. In short, he offers:
- Clear, jargon-free mortgage advice
- Access to a wide panel of high-street and specialist lenders
- Strong, long-standing relationships with lenders and underwriters
- Experience placing complex cases that other advisers have declined
- Personal service from your first call to completion day
The Mortgage Process – How It Works
Mortgage Advice for Homebuyers in Cheltenham and Across Gloucestershire
Cheltenham remains one of the most desirable places to live in Gloucestershire. Buyers are drawn by its Regency architecture, highly regarded schools and lively town centre. Moreover, Cheltenham Spa station and the nearby M5 make commuting to Bristol and Birmingham practical. Major employers such as GCHQ also keep demand strong in areas like Benhall and Up Hatherley. Popular neighbourhoods include Montpellier, Pittville, Leckhampton, Charlton Kings, Prestbury and Hatherley.
Beyond the town itself, we arrange mortgages from Gloucester and Tewkesbury to Bishops Cleeve and Winchcombe. We also advise buyers in Stow-on-the-Wold, Moreton-in-Marsh, Chipping Campden, Broadway, Cirencester, Tetbury and Fairford. In particular, period, listed and thatched Cotswold homes often need lenders comfortable with non-standard construction. Further afield, we help buyers in Stroud, Dursley, Evesham, Pershore, Worcester, Malvern, Ledbury and Ross-on-Wye.
Stephen supports clients across Cheltenham and nearby areas including:
Cheltenham, Gloucester, Tewkesbury, Bishops Cleeve, Winchcombe, Stow-on-the-Wold, Moreton-in-Marsh, Cirencester, Stroud, Dursley, Evesham, Pershore, Worcester, Malvern, Ledbury, Ross-on-Wye, Chipping Campden, Broadway, Tetbury, Fairford
Book Your Free Mortgage Consultation
Ready to speak with the mortgage broker Cheltenham clients rate five stars on Google? Call Stephen today for a free, no-obligation chat, or use our quick contact form below. Even if another adviser has said no, we will happily take a fresh look at your case.
Call Stephen directly: 0800 246 1058
Frequently Asked Questions About
Mortgages in Cheltenham
How much deposit do I need for a mortgage?
Deposit requirements vary by lender, but many mortgages are available with deposits from 5% of the property value. However, a larger deposit usually unlocks lower interest rates and a wider choice of lenders.
How much can I borrow for a mortgage?
The amount you can borrow depends on your income, commitments, credit history and each lender’s affordability checks. For a quick estimate, try our How Much Can I Borrow calculator before speaking to Stephen.
When should I speak to a mortgage advisor?
Stephen will explain any fees clearly during your free initial consultation, so there are no surprises. As a result, you will understand all the costs before you decide to go ahead.
Is there a fee for mortgage advice?
Stephen will explain any fees clearly during your free initial consultation, so there are no surprises. As a result, you will understand all the costs before you decide to go ahead.
Can you help if another broker or bank has turned me down?
Yes, many of our clients come to us after being declined by a bank or another broker. Because Stephen understands lender criteria, he can often find a suitable lender and present your case properly.
Do you only cover Cheltenham?
No, although Cheltenham is Stephen’s focus, he advise clients throughout Gloucestershire, the Cotswolds and Worcestershire. He also help buyers relocating to Cheltenham from elsewhere in the UK or from abroad.
