3 bedroom penthouse, Rose Cottage Lane, Cheltenham
Cheltenham, GL53 2PL
Added 21 Jul 2026
£540,000
Guide price
Bedrooms
3
Bathrooms
1
Size
1,287 sqft
Type
penthouse
Match
74%
- TenureLeasehold
- Council taxBand G
- EPCC
- ParkingOn Street
- GardenPrivate Rear Garden
About this home
Key features
- Concierge service
- Floor-to-ceiling glazing
- Panoramic city views
- Private lift access
- Smart home system
- Underfloor heating
- On-street parking
- Private rear garden
- 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
- Leasehold
- Council tax
- Band G
- Year built
- 2019
- Heating
- Electric
- Parking
- On Street
- Garden
- Private Rear Garden
Energy performance
- A
- B
- CScore 69
- D
- E
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
1,287 sqft
≈ 120 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- 1.1 mi
Central
Overground
- 1.1 mi
Bridge Road
Tube
- 2.2 mi
Parkway Station
Rail
- 3.1 mi
Victoria Station
Overground
Commute highlights
Estimated travel times to major UK hubs
Bristol Temple Meads
37.5 mi away
Birmingham New Street
40.8 mi away
London Kings Cross
88 mi away
Manchester Piccadilly
109.2 mi away
Leeds
133 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.5 mi
Supermarket
Waitrose
- 🏋️0.6 mi
Gym
The Gym Group
- 🌳0.5 mi
Park
Victoria Park
- 🩺0.8 mi
GP surgery
St Andrew's Medical
- 🍽️0.5 mi
Restaurants
Village square
- ☕1.0 mi
Café
Grind & Co.
Commute time
Estimate the journey from Cheltenham, GL53 2PL 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: LimitedOutdoor: Limited
- ThreeIndoor: GoodOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Cheltenham, GL53 2PL.
Area average
£473,204
This home +14%
12m change
+5.1%
Sold prices
Avg £/sqft
£610
This home £420
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
£2,771
Loan £486,000 · Deposit £54,000 (10%)
£847/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £345,231
- Total paid
- £831,231
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
£17,000
Effective rate 3.15% on £540,000
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
£301,500
Loan up to £247,500 + £54,000 deposit · capped by income (4.5× LTI)
This listing
£540,000
Short by £238,500 · needs income ~£108,000/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £2,535 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.0%
Affordability summary
StretchYou'd need about £108,000/yr income or £238,500 more deposit.
Monthly all-in
£3,030 /mo
£2,535 mortgage + £495 running · 66% of gross pay
Upfront cash
£74,854
£54,000 deposit + £17,000 SDLT + £3,854 fees
Lender check
Too big
Need £486,000 · max on income £247,500
- Loan needed (£486,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£3,030) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£74,854) 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.
Tenure & lease
Tenure
leasehold
Lease remaining
521 years
Service charge
£2,147 / year
Ground rent
£348 / year
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)
113
/ 1k residents
High▼ 0.1% vs previous year
Broadband
778 Mbps
Up to 234 Mbps upload7 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Good | Limited | Good | Good |
| O2 | Limited | Limited | Good | Good |
| Three | Good | Limited | Limited | Good |
| Vodafone | Good | Good | Good | Good |
Planning applications
6within 250 m in the last 12 months
- Pending
Outbuilding for home office
2026/8928/HH · 8 Apr 2026
- Refused
Front porch and boundary wall
2026/8629/HH · 6 Mar 2026
- Refused
Two-storey side extension
2025/7174/HH · 23 Oct 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
- leasehold
- Council tax band
- G
- 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, GL53 2PL and comparable homes nearby.
Property history
Apr 2023
Sold
£444,000
+36.2% vs previous
Nov 2016
Sold
£326,000
Sold nearby
Avg £531,667
160 Ash Close
Semi-detached · 3 bed · 0.09 mi · May 2025
£454,000
176 Ivy Street
Flat · 3 bed · 0.11 mi · Sept 2025
£460,000
47 Rowan Avenue
Flat · 4 bed · 0.32 mi · Aug 2024
£665,000
95 Linden Road
Flat · 3 bed · 0.39 mi · Oct 2024
£412,000
170 Linden Avenue
Terraced · 3 bed · 0.5 mi · Jan 2025
£593,000
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Contains HM Land Registry data © Crown copyright and database right 2026. Licensed under the Open Government Licence v3.0.
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