5 bedroom new build, Prospect Terrace, Cheltenham
Cheltenham, GL50 2TX
Added 21 Jul 2026
£785,000
Guide price
Bedrooms
5
Bathrooms
1
Size
1,866 sqft
Type
new build
Match
84%
- TenureFreehold
- Council taxBand B
- EPCC
- BuildNew build
- ParkingNone
- GardenPrivate Rear Garden
About this home
Key features
- Air source heat pump
- Fitted wardrobes
- Help to Buy considered
- Integrated Bosch appliances
- Smart thermostat
- Turf laid to garden
- None parking
- Private rear garden
- Brand new
- EPC rating C
The Full Picture
Everything you need upfront
Facts a buyer or tenant should have before making an offer — in line with the Government's homebuying reform roadmap.
Property facts
- Tenure
- Freehold
- Council tax
- Band B
- Year built
- 2015
- Heating
- Underfloor + Gas
- Parking
- None
- Garden
- Private Rear Garden
- Build
- New build
Energy performance
- A
- B
- CScore 75
- D
- E
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
1,866 sqft
≈ 173 m²
Key highlights
Where it is
Location & Street View
Where it is
Location & Street View
Approximate location. Drag the Street View to look around; use the Pegman to walk down the road.
Neighbourhood
Area, schools & transport
Neighbourhood
Area, schools & transport
Nearby schools
Distance from this property · Ofsted-style ratings
Indicative catchments and ratings only — always confirm admissions with the local authority.
Transport nearby
Stations & stops- 2.2 mi
Parkway
Overground
- 2.3 mi
Junction
Overground
- 2.6 mi
Victoria Station
Tram
- 3.5 mi
Kings Road Station
Overground
Commute highlights
Estimated travel times to major UK hubs
Bristol Temple Meads
37.4 mi away
Birmingham New Street
41.5 mi away
London Kings Cross
86.6 mi away
Manchester Piccadilly
110.2 mi away
Leeds
133.7 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.6 mi
Supermarket
M&S Food
- 🏋️0.8 mi
Gym
Anytime Fitness
- 🌳0.9 mi
Park
Victoria Park
- 🩺0.4 mi
GP surgery
Parkside Surgery
- 🍽️0.9 mi
Restaurants
Local high street
- ☕1.0 mi
Café
Kaffeine
Commute time
Estimate the journey from Cheltenham, GL50 2TX to your workplace or a place you visit often.
Broadband
Indicative Ofcom-style download speeds. Providers vary.
Mobile coverage
Voice & data indoor/outdoor by network.
- EEIndoor: GoodOutdoor: Good
- VodafoneIndoor: GoodOutdoor: Good
- O2Indoor: GoodOutdoor: Good
- ThreeIndoor: LimitedOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Cheltenham, GL50 2TX.
Area average
£802,945
This home -2%
12m change
+1.9%
Sold prices
Avg £/sqft
£960
This home £421
Buyer demand
Steady
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£4,028
Loan £706,500 · Deposit £78,500 (10%)
£1,231/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £501,864
- Total paid
- £1,208,364
Figures are indicative — your actual rate depends on lender, credit, and product. Speak to a broker before you commit.
Sign in to save this calculation and revisit it from your shortlist or compare list.
Stamp Duty
Eng & NI · Apr 2025SDLT payable on completion.
Estimated Stamp Duty
£29,250
Effective rate 3.73% on £785,000
Scotland (LBTT) and Wales (LTT) have different rates. Confirm with a solicitor before completion.
Mortgage affordability
Can you afford it?Enter your income and deposit — we'll size up the biggest home a lender is likely to fund.
Max you could offer
£326,500
Loan up to £247,500 + £79,000 deposit · capped by income (4.5× LTI)
This listing
£785,000
Short by £458,500 · needs income ~£156,889/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £3,683 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.1%
Affordability summary
StretchYou'd need about £156,889/yr income or £458,500 more deposit.
Monthly all-in
£4,403 /mo
£3,683 mortgage + £720 running · 96% of gross pay
Upfront cash
£112,472
£79,000 deposit + £29,250 SDLT + £4,222 fees
Lender check
Too big
Need £706,000 · max on income £247,500
- Loan needed (£706,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£4,403) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£112,472) leaves little for reserves — plan for surveys, SDLT and fees
UK lenders typically cap borrowing at 4.5× total income and want repayments under ~35–40% of gross pay. Actual offers depend on credit, outgoings, and product — always get an Agreement in Principle.
Sign in to save this calculation and revisit it from your shortlist or compare list.
Due diligence
Checks, risks & material information
Due diligence
Checks, risks & material information
Check before you buy
Material information for this address — flooding, crime, connectivity, planning, ground conditions and legal notes. Indicative only; verify with your solicitor before exchange.
Flood risk
Crime (last 12 months)
99
/ 1k residents
Medium▲ 4.7% vs previous year
Broadband
29 Mbps
Up to 13 Mbps upload7 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Good | Good | Good | Good |
| O2 | Limited | Good | Good | Good |
| Three | Good | None | Good | Limited |
| Vodafone | Limited | Good | Good | Good |
Planning applications
8within 250 m in the last 12 months
- Withdrawn
Change of use to residential
2026/1658/HH · 27 Jan 2026
- Refused
Change of use to residential
2026/5914/HH · 6 Mar 2026
- Refused
Change of use to residential
2025/5222/HH · 5 Nov 2025
Ground & environment
Building & legal
Sources (to be integrated): Environment Agency, police.uk, Ofcom, planning.data.gov.uk, GOV.UK EPC register, Coal Authority, UK Radon.
Material information
NTSELAT Parts A/B/C- Tenure
- freehold
- Council tax band
- B
- Price qualifier
- Guide price
Presented in line with National Trading Standards Estate & Letting Agency Team guidance.
Sold prices
Based on public sale records for Cheltenham, GL50 2TX and comparable homes nearby.
Property history
Nov 2019
Sold
£482,000
Sold nearby
Avg £821,167
4 Maple Terrace
Semi-detached · 6 bed · 0.15 mi · Apr 2026
£905,000
19 Ivy Gardens
Flat · 4 bed · 0.32 mi · Aug 2024
£972,000
126 Laurel Lane
Semi-detached · 4 bed · 0.33 mi · Oct 2025
£776,000
138 Cedar Gardens
Flat · 6 bed · 0.35 mi · Nov 2025
£649,000
73 Sycamore Mews
Terraced · 6 bed · 0.42 mi · Feb 2026
£663,000
Own a home like this?
See what yours is worth in seconds.
Contains HM Land Registry data © Crown copyright and database right 2026. Licensed under the Open Government Licence v3.0.
Keep exploring