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Cheltenham and Gloucester (C&G)

The C&G began offering saving and mortgage products over 150 years ago, it is now part of the international banking group Lloyds TSB.

You can choose from a range of mortgage products suitable for first time buyers, customers who would like to move lender or remortgage, existing customers and buy to let investors. Residential customers can arrange a fixed or tracker mortgage over 2, 3 or 5 years, alternatively there are deals available that will last the whole term of your mortgage. You may borrow up to 90% of your home's value to a maximum of £1,000,000. Some products will have an early repayment penalty fee if you pay off all or part of your mortgage during a fixed or tracker rate agreed period, if you think you may be able to make a lump sum payment toward your outstanding balance check with your advisor about a product that may be suitable for you.

If you are a buy to let investor you may be able to borrow up to 75% of the property's value and can hold a maximum of nine mortgages within the Lloyds banking group up to a total value of £3 million. Both new and experienced landlords can apply for 3 year fixed or tracker mortgage products, the interest rate that you pay will depend upon the product that you choose and the amount of deposit you are able to provide.

Customers who are buying a home can take advantage of a 24hr advice service from Cheltenham and Gloucester during their first year that will recommend local tradespersons and home improvement specialists who are trusted to provide quality services for all of your repair and building needs.

 

Cheltenham and Gloucester Mortgage Products

First Time Buyer mortgages: You can choose from the range of fixed and tracker rate mortgages and there are some special deals available including a low start tracker rate that gives an immediate discount from the Society's base rate followed by a percentage rate above the tracker rate and then switching to the Society's Standard Variable Rate.

Owner Occupier Mortgages: You can apply to move your mortgage product to the Cheltenham and Gloucester if you are looking for a new lender or you can apply to switch your mortgage deal if you are an existing customer.

Buy to Let mortgages: You can choose a 3 year fixed rate or tracker mortgage and borrow up to £1 million. The interest rate you pay will depend upon the product you choose and the amount of deposit you can provide. An early repayment charge will apply during the offer period.

If you are interested in a mortgage quotation including those offered by Cheltenham and Gloucester please complete our quick enquiry form.