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INDEPENDENT
MORTGAGE BROKER
SERVING Cheltenham
& SURROUNDING
AREAS.

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“Taking out a mortgage will probably be the biggest financial commitment you ever make so make sure that you get advice from an independent mortgage broker in Cheltenham that has access to the whole market.”

Welcome

DWM Mortgages is a whole of market independent mortgage broker providing advice in Cheltenham. As independent mortgage brokers we offer expert advice from the whole market on areas such as:

  • - First time buyer mortgages in Cheltenham
  • - Remortgages in Cheltenham
  • - Buy to Let Mortgages in Cheltenham
  • - Self Build Mortgages in Cheltenham
  • - Residential Mortgages in Cheltenham
  • - Commercial Mortgages in Cheltenham

We also offer whole of market advice on protection products such as Life Insurance and Buildings Insurance in Cheltenham.

DWM Mortgages Cheltenham has access to the whole of the market and we work on your behalf, independently, not tied to any lender. We do not act for the mortgage lender, WE ACT FOR YOU. We offer impartial advice for all mortgages including mortgages for first time buyers, buy to let landlords and clients wanting to remortgage their current home or property in Cheltenham.

Your home may be repossessed if you do not keep up repayments on your mortgage.

At DWM Mortgages Cheltenham we pride ourselves on offering the best service and advice at our clients’ convenience. Providing the best service for our clients in Cheltenham is our priority and we tailor our service for our clients' mortgage and personal needs.

We make the mortgage process easy for you by reviewing your specific situation, advising on what type of mortgage best suits you and finding the best mortgage rates and mortgage deals available in Cheltenham.

Why Use an Independent Mortgage Broker in Cheltenham like DWM Mortgages?

Unfortunately getting advice from your bank, building society or estate agent may not be the best course of action as they will usually only have access to a relatively small panel of lenders. This means they may not have access to the best mortgage for you so may not be giving you the best advice. There are thousands of mortgage products from over fifty mortgage lenders so it makes sense to use DWM Mortgages, an independent mortgage broker, who has access to all of them!

The specialist mortgage knowledge and advice we give will help you find the best way to buy your first home as a first time buyer, move home or remortgage as a homeowner, or build your property portfolio as a buy to let landlord. Whatever your mortgage needs, use an independent mortgage broker, speak to DWM Mortgages Cheltenham.

Give DWM Mortgages Cheltenham a call today and speak with a member of our team to find out more.

Why Choose DWM Mortgages Cheltenham?

We take great pride in the service we provide and do everything we can to make sure your mortgage is arranged as swiftly, efficiently and professionally as possible.

We offer a straightforward, down to earth, personal and friendly mortgage advice service in Cheltenham but most importantly, a service you can trust.

We like to build our business by word of mouth recommendations and referrals. Please remember to share our details with your friends and family.

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Mortgage News Feed

Cheltenham Drop in Interest Rates?

12/09/2014
Many brokers are expecting a drop in 5 year fixed mortgage rates in Cheltenham to sub-3 per cent due to the fall in sterling five-year swap rates over the last month.

Call DWM Mortgages Cheltenham to find out what this could mean for you.

Help to Buy Mortgages Cheltenham

09/09/2014
The proportion of mortgages at 90% LTV or greater has hit a 6 year high thanks to the governments help to buy initiative which is helping first time buyers and homemovers in Cheltenham.

Cheltenham Buy to Let News

08/09/2014
The Government will bring in new regulations for an element of the buy-to-let market in order to comply with the EU mortgage credit directive.

In a consultation on the directive, published today, the Treasury says so-called “accidental landlords” – borrowers who have not actively decided to acquire a property in Cheltenham in order to rent it out and are not acting in a business capacity – must be regulated.

Examples of cases that would come under the proposed regulation would be where a property in Cheltenham has been inherited, or previously lived in by a borrower unable to sell it and so instead decides to let the property.

It is expected that all Let-to-Buy mortgages in Cheltenham will therefore be regulated.

Cheltenham Financial Advice

27/08/2014
Due to the fact mortgage approvals have been down compared to last year, mostly due to the mortgage market review many lenders are on course not to hit their lending rates. This should encourage extra competition amongst lenders and coupled with a fall in two and five year swaps it is likely that lenders' interest rates will remain low until the end of the year. - benefitting Cheltenham first time buyers, homemovers and remortgagees.

Rate rises are on the horizon so seek independent financial advice in Cheltenham to prepare for future rate rises now.

Mortgage News Cheltenham

15/08/2014
The Council of Mortgage Lenders (CML) said that it would welcome Bank rate rises only in "baby steps".

"Rates will rise at some stage, of course, and borrowers should be planning for that now," said Paul Smee, director general of the CML.

"We welcome the message from the Bank of England that, when it raises rates, it plans to do so in a series of 'baby steps', matched to a careful assessment of the ability of households [in Cheltenham] to deal with higher borrowing costs.

"Any borrower [in Cheltenham] anticipating payment problems should talk to their lender as soon as possible."

Cheltenham Mortgage Broker News

07/08/2014
Yesterday Scottish Widows Bank it was reducing rates on some of their products by up to 0.2%. This comes after other lenders, such as Platform, Woolwich, Santander & NatWest also announce rate reductions on selected products.

To find out how you could benefit from this in Cheltenham feel free to call us for some free, impartial advice from the whole of the market.

Cheltenham Mortgages News

23/07/2014
Gross mortgage borrowing of £11.2 billion was 24% higher than in June last year, according to the latest data from the BBA.

Having declined during the early months of 2014, approval volumes turned up in June, in the aftermath of the implementation of the Mortgage Market Review, which might have slowed down processing of applications in Cheltenham in the earlier part of the year.

Cheltenham Mortgage News

16/07/2014
The Bank of England Governor Mark Carney has said that the Bank will continue to take steps to ensure mortgage lending does not become 'reckless'.

Giving evidence to the Treasury Select Committee, Mr Carney said in some cases, high ratio mortgages could be appropriate.

He also said that measures introduced in June, such as a 15% cap on lending, would keep the market under control.

Cheltenham Mortgage Approvals Decline

25/06/2014
Approvals have suffered a post-Mortgage Market Review slump with the number of borrowers accepted for a mortgage falling 4 per cent year-on-year in May.

Last month, the six major high-street banking groups advanced a total of 65,132 home loans, down from 67,521 a year earlier.

These figures are for the nation as a whole but how has Cheltenham been affected?

Mortgage Advice for Fixed Rate Mortgages in Cheltenham

02/05/2014
With uncertainty around when the bank of England base rate will rise when is it best to get a 2 year, 3 year or 5 year fixed rate product?

For personalised, independent advice in Cheltenham speak to an adviser today!

Remortgage Advice in Cheltenham

16/04/2014
For remortgage advice in Cheltenham call 0800 0149 370 and we will be happy to help remortgage your property in Cheltenham to help get a better rate or raise capital.

If you are looking to raise capital to purchase a buy to let property, consolidate debts or home improvements via a remortgage we can help.

Cheltenham Buy-To-Let Low Rates

28/03/2014
Buy-to-let landlords in Cheltenham are benefiting from record low mortgage rates, with banks eager to snap up the less risky borrowers with rock-bottom deals as investors are lured by the draw of high rents from Cheltenham tenants.

Fixed interest deals are at a low. Mortgage Works, part of the Nationwide Building Society, now offers the lowest two-year fixed rate at just 2.49 per cent for borrowers with a 40 per cent deposit.

For specific buy to let mortgage advice in Cheltenham call now.

House price rises Cheltenham

05/03/2014
According to figures from Nationwide Building Society, house prices rose by 0.6% in February.

This means that over the last year house prices have increased by 9.4%!

If your property in Cheltenham has increased in value you may be eligible for a mortgage in a lower loan-to-value (LTV) bracket giving you lower interest rates and therefore reducing your current monthly mortgage payments.

The figures quoted above are national figures and may not reflect actual price increases in Cheltenham

Short Term Loans Cheltenham

12/02/2014
With the property market in Cheltenham gaining more and more momentum, some property investors and even homebuyers are becoming concerned that they might miss that once in a lifetime Cheltenham property while they wait for other property or investments to sell.

Some are turning to short term finance and bridging loans to secure the property for a few months. Although this can be risky in some situations, when the risk is managed properly bridging can be a suitable solution.

If you would like some bridging advice or information on short term finance in Cheltenham feel free to speak to an advisor at DWM Mortgages Cheltenham.

Cheltenham Property Statistics

28/01/2014
According to Nationwide house prices in the UK in 2013 rose by 8.4%. This is big news if you are a property investor in Cheltenham with mortgages or an owner occupier with a mortgage in Cheltenham.

When your current mortgage product comes to the end of its initial period you may be able to remortgage with a product in a lower loan to value bracket and therefore save money on your mortgage(s).

To find out more speak to an expert adviser at DWM Mortgages Cheltenham.

Help to Buy update in Cheltenham

16/01/2014
Barclays via the Woolwich will be releasing it's Help to Buy 2 mortgage product range on 21st January in Cheltenham. Mortgage interest rates will start from 5.35%.

The rate isn't the best available in the marketplace but with no fees it may be the most suitable mortgage option for some borrowers in Cheltenham.

As more lenders enter the 95% LTV arena there is a small chance mortgage rates will drop below 4.99% for the government backed scheme.

December Mortgage Update Cheltenham

02/12/2013
December is upon us, TV ads ring with Christmas jingles and the MET office is talking of a white Christmas - sounds familiar?!

Millions of people every year buy expensive gifts on their credit and store cards without realising the effects this can have on their credit profile.

If you are planning on getting your first mortgage, remortgaging or purchasing a property in Cheltenham this year be very careful with using credit as this will work against you when trying to secure the mortgage you want or need.

If you need any help planning for your future mortgage needs in Cheltenham then call now and speak to an adviser, we'll be happy to help.

Borrowers in Cheltenham Launch Legal Challenge

25/11/2013
Borrowers with the West Bromwich Building Society are launching a legal challenge over the society's hike to tracker mortgage rates. If you are in Cheltenham and one of 6,700 customers to suffer from the rate rise and are looking to move to more competitive rates one of our advisers will be more than happy to help.

Help to Buy in Cheltenham

17/10/2013
How will the new government Help to Buy 2 scheme effect house prices in Cheltenham?

Comment on our Facebook page:

www.facebook.com/pages/DWM-
Mortgages/171413406268784

If you are interested in the Help to Buy scheme around Cheltenham, or are looking for other mortgage advice call DWM Mortgages on 0800 0149 370

Help to Buy 2 in Cheltenham

01/10/2013
If you're in Cheltenham and interested in Help to Buy 2 or even Help to Buy 1 give DWM Mortgages a call and we'll be happy to help.

Cheltenham Mortgage Advice

01/07/2013
If you need mortgage advice in Cheltenham or are looking for a mortgage broker in Cheltenham that can help with advice for a remortgage then call DWM Mortgages Cheltenham on 0800 0149 370

Mortgages Cheltenham

09/05/2013
If you are looking for mortgages in Cheltenham then call DWM Mortgages to have access to a specialist mortgage broker who can source products, prices and companies not available on Cheltenham high street

Mortgage Cheltenham

30/04/2013

First Time Buyer Advisor in Cheltenham

29/01/2013
If you are a first time buyer in Cheltenham and looking for whole of market, independent mortgage advice from a qualified mortgage advisor in Cheltenham you've come to the right place.

Independent Advice in Cheltenham

16/01/2013
If you are looking for mortgage advice in Cheltenham be sure to get independent advice from an independent mortgage broker or independent mortgage adviser.

Cheltenham Buy-to-Let Mortgages

03/01/2013
If you are looking to invest in residential property in Cheltenham then speak to a mortgage advisor from DWM Mortgages for advice on Buy-to-Let mortgages

Mortgage Adviser Cheltenham

20/12/2012
If you are looking for professional, independent advice speak to a local mortgage adviser from DWM Mortgages in Cheltenham

Cheltenham's Mortgage Advisers Tweeting

10/12/2012
We Tweet! for information about Mortgages and Cheltenham's local mortgage broker follow us on Twitter.

https://twitter.com/DWMMortgages

High LTV Mortgages Cheltenham

18/11/2012
James Chidgey, senior manager at Nationwide has suggested that from spring next year there will be a "rate war" which will see lenders lending on higher loan-to-value ratios.

With different lenders competing in a "price war" it is more important than ever to speak to an independent mortgage advisor and broker to ensure the best advice. Speak to a broker in Cheltenham at DWM Mortgages for independent advice.

Buy-to-Let Pension Alternative Cheltenham

18/11/2012
Four out of five buy-to-let landlords plan to sell off their properties or live off rental income to fund their retirement according to figures from BDRC Continental.

If you are considering investing in property in Cheltenham then speak to a mortgage broker at DWM Mortgages in Cheltenham to find out how.

Recommend a Friend in Cheltenham

18/11/2012
If a family member, friend or colleague needs some mortgage advice from a qualified, regulated mortgage broker then refer them to DWM Mortgages in Cheltenham to get up to £200 as an introducer’s bonus.

House Prices Increase in Cheltenham

13/11/2012
The latest house price statistics show that house prices outside London and the South East have increased by 0.8%. As house prices rise more people will be able to escape the negative equity trap. If you have been in negative equity and you no longer are, get advice from your local DWM Mortgage broker in Cheltenham

DWM Mortgages Cheltenham

09/11/2012
The number of repossessions in the third quarter of 2012 dropped 3.5% to just over 8000, according to the council of mortgage lenders. Daniel Maddock, a mortgage broker at DWM Mortgages in Cheltenham commented, "No-one can see into the future but getting sound financial advice from a mortgage adviser or broker can help reduce the number of bad financial mistakes people make that ultimately lead to the tragedy of losing your home"

Support Cheltenham Businesses

06/11/2012
It's a great buying locally produced meat fom a butchers or veg from a local grocer instead of a national supermarket chain or buying a book from a local bookshop instead of a global online retailer, so why not support local financial professionals instead of the greedy banks? DWM Mortgages is a local firm based in Cheltenham with offices in Torbay serving Cheltenham.

Why Use a Mortgage Broker in Cheltenham?

06/11/2012
It's obvious that on our own website we would advise you to use a mortgage broker to get mortgage advice, so instead of listing the various advantages of seeing a mortgage broker to arrange your mortgage why not find out for yourself by typing into Google "Why use a mortgage broker?"

New BTL products Cheltenham

05/11/2012
Specialist buy-to-let lender Paragon has launched a number of new buy-to-let products designed for landlords with small portfolios. To help build your buy-to-let portfolio in Cheltenham speak to your very own personal mortgage broker at DWM Mortgages.

Mortgage News for Cheltenham

03/11/2012
Twenty-seven percent of all mortgages are being sold in branch at either banks or building societies. As Banks and Building Societies do not have access to the whole market this could mean that one in five mortgagees could be missing out on professional advice and paying too much for their mortgage. The best way to know you are getting the best deal is to speak with a mortgage broker in Cheltenham from DWM Mortgages

News from Cheltenham's Mortgage Broker

03/11/2012
Most interest-only mortgage borrowers are banking on rising property values to repay debt according to HML with three out of every ten homeowners having interest only debt and the most popular repayment vehicle is an endowment policy! If this situation sounds familiar and you want to do something about it then speak to a mortgage advisor in Cheltenham from DWM Mortgages

House Price Rises Cheltenham

01/11/2012
If you own a home this is good news, if you're a first time buyer probably not good news but house prices rose by 0.6% in October according to Nationwide. This is a national figure so house prices in Cheltenham may vary but if you think your home has increased in value it may be worth speaking to a local mortgage broker in Cheltenham to see if you can negotiate a better interest rate on your mortgage.

News from Cheltenham's Mortgage Broker

31/10/2012
Borrowers in negative equity falls by 13%. The number of UK borrowers in negative equity has fallen by 100,000 since the beginning of 2011 but there are still 719,000 borrowers in negative equity. Negative equity is a huge risk to any home owner and that risk should be removed as soon as possible, Cheltenham's mortgage broker can help if you are in that situation.

Housing and Mortgage News in Cheltenham

26/10/2012
Local government pension schemes could be used to fund 100,000 to 300,000 new homes under new proposals.

Cheltenham Returns to Growth

26/10/2012
The UK has exited the double dip recession with growth of 1%. How is the economy doing in Cheltenham and how have you been affected?

Cheltenham's Mortgage News

25/10/2012
The FSA has outlined proposals to ban non advised sales from April 2014. Daniel Maddock of DWM Mortgages has said, "It is refreshing that the FSA sees the value of giving advice to consumers as this will directly benefit consumers in Cheltenham, although more focus on independent mortgage advice via regulated mortgage brokers is still needed."

Mortgage Announcement Cheltenham

24/10/2012
Nationwide announces further rate cuts, speak to your mortgage broker at DWM Mortgages in Cheltenham to find out more

Mortgage News in Cheltenham

24/10/2012
Mortgage approvals hit a five-month high in September. Approvals for mortgages reached 31,175 up from 30,683 in August

Consumers use Internet in Cheltenham

24/10/2012
L&G's mortgage mood survey found that 34% of potential mortgage customers would use the internet as their first port of call for mortgage advice. 53% however said that the best mortgage advice came from mortgage brokers.
When looking for mortgage advice in Cheltenham make sure you use an independent mortgage broker.

Mortgage Broker Tip for Cheltenham

23/10/2012
As property values have increased it is possible that your current loan-to-value ratio has reduced and you may be eligible for a better interest rate. This is more likely to happen if you have a capital and interest mortgage (repayment) but is still a possibility with an interest only mortgage. For local advice in Cheltenham speak to an independent mortgage broker at DWM Mortgages.

Mortgage News in Cheltenham

23/10/2012
UK property growth was up an average of 1.5% from last year with property prices up 7.3% in London but just up 0.86% in Devon according to Zoopla. Check Zoopla for more detailed analysis in Cheltenham.

Mortgage News for Cheltenham

23/10/2012
Gross mortgage lending increased by £0.3bn to £7.3bn in September. Speak with an independent mortgage broker for the best advice when taking on a mortgage.

Mortgage Broker News for Cheltenham

22/10/2012
Nationwide, the UK's largest Building Society has been linked to buying 316 RBS branches, however Nationwide has said it "did not comment on rumour or speculation".

Rents Rise to New Record

20/10/2012
Rents rise 1.1% in England and Wales to a new record. Buy a property in Cheltenham instead of renting to avoid further rent rises.

Age limit on buy-to-let applications

20/10/2012
Barclays puts an upper age limit of 75 at the end of the mortgage term for buy-to-let mortgages. Previously there was no upper age limit for buy-to-let applicants.

Mortgage news for Cheltenham

20/10/2012
NatWest has cut its two-year fixed rates by up to 0.3%. For more details speak to DWM Mortgages

£4.2m fine for BoS

20/10/2012
The bank of Scotland has been fined by the FSA £4.2m for mortgage administration failures for up to 250,000 of its customers

Mortgage advice in Cheltenham

19/10/2012
For mortgage advice in Cheltenham speak to an independent mortgage broker at DWM Mortgages

Lending falls 10% in September

19/10/2012
Gross mortgage lending was down 10% in September at £11.6bn compared with August's £13.7bn

Cheltenham First-time buyers "Savvy"

19/10/2012

Mortgage Market Slow in September

18/10/2012

Mansion Tax

18/10/2012

Help for Heros

18/10/2012

Mortgages are available

18/10/2012

Energy Bills

18/10/2012

Parental Help

18/10/2012

Banks taking more risks

18/10/2012

Mortgage Lending Rules

18/10/2012

Could local council help fund deposits in Cheltenham?

18/10/2012

Local Council Helps First Time Buyers

18/10/2012

First-time buyer deposits drop below 20%

18/10/2012

Rate Reduction

18/10/2012

Barclays take on £5.6bn of Mortgages

18/10/2012

More First Time Buyers

18/10/2012

Santander raises its SVR mortgages

18/10/2012

private property sales will be easier

18/10/2012

Mortgage Deals

18/10/2012

House Prices in Cheltenham

17/10/2012

Nationwide stops interest-only mortgages

17/10/2012

“Mortgages are available” to first time buyers in Cheltenham

17/10/2012

Cheltenham House sales set to Rise

17/10/2012
Cheltenham House sales are set to rise with mortgages funded through the new Funding for Lending Scheme, however house prices are expected to remain level according to Nationwide http://www.bbc.co.uk/news/business-19874231

Follow DWM Mortgages on Twitter

17/10/2012
Keep up to Date with Cheltenham’s Mortgage Broker on Twitter https://twitter.com/DWMMortgages

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24/09/2012
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