4 bedroom cottage, Wellington Gardens, Cheltenham
Cheltenham, GL51 3BB
Added 21 Jul 2026
£1,745,000
Guide price
Bedrooms
4
Bathrooms
2
Size
1,481 sqft
Type
cottage
Match
86%
- TenureFreehold
- Council taxBand D
- EPCF
- ParkingNone
- GardenCommunal Garden
About this home
Key features
- Cottage garden
- Feature stone walls
- Log burner
- Oil central heating
- Original fireplace
- Village setting
- None parking
- Communal garden
- EPC rating F
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.
Monthly ownership cost
Edit any line, add fees you know about, and see the total update live.
£10,874/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand D£Buildings insurance
Est.Typical estimate£Maintenance & repairs
Est.~1% of value / yr£
Property facts
- Tenure
- Freehold
- Council tax
- Band D
- Year built
- 1998
- Heating
- Electric
- Parking
- None
- Garden
- Communal Garden
Energy performance
- A
- B
- C
- D
- E
- FScore 41
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
1,481 sqft
≈ 138 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- 0.7 mi
Riverside
Tube
- 1.2 mi
Central
Rail
- 2 mi
High Street
Rail
- 2.6 mi
Junction
Rail
Commute highlights
Estimated travel times to major UK hubs
Bristol Temple Meads
37.8 mi away
Birmingham New Street
40.5 mi away
London Kings Cross
88 mi away
Manchester Piccadilly
108.9 mi away
Leeds
132.6 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.8 mi
Supermarket
Co-op
- 🏋️0.4 mi
Gym
The Gym Group
- 🌳0.4 mi
Park
Highfield Common
- 🩺0.8 mi
GP surgery
The Health Practice
- 🍽️0.7 mi
Restaurants
Local high street
- ☕0.9 mi
Café
Kaffeine
Commute time
Estimate the journey from Cheltenham, GL51 3BB 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: GoodOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Cheltenham, GL51 3BB.
Area average
£1,808,710
This home -4%
12m change
+0.1%
Sold prices
Avg £/sqft
£472
This home £1178
Buyer demand
High
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Monthly cost breakdown
Freehold · estimated running costs (all editable).
Total monthly cost
£10,970 /mo
£131,642 per year — indicative estimate.
- Mortgage£8,954/mo10% deposit · 4.75% · 25 yr82%
- Council tax (Band D)£188/moIndicative England average2%
- Buildings insurance£175/mo~0.12% of value / yr2%
- Maintenance & repairs£1,454/mo~1.00% of value / yr13%
- Utilities (energy + water)£200/moOfgem typical dual-fuel2%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£8,954
Loan £1,570,500 · Deposit £174,500 (10%)
£2,737/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £1,115,608
- Total paid
- £2,686,108
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
£123,150
Effective rate 7.06% on £1,745,000
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
£422,500
Loan up to £247,500 + £175,000 deposit · capped by income (4.5× LTI)
This listing
£1,745,000
Short by £1,322,500 · needs income ~£348,889/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £8,190 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.0%
Affordability summary
StretchYou'd need about £348,889/yr income or £1,322,500 more deposit.
Monthly all-in
£9,790 /mo
£8,190 mortgage + £1,600 running · 214% of gross pay
Upfront cash
£304,017
£175,000 deposit + £123,150 SDLT + £5,867 fees
Lender check
Too big
Need £1,570,000 · max on income £247,500
- Loan needed (£1,570,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£9,790) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£304,017) 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.
Investment potential
Would this stack up as a buy-to-let?
Open ▾
Investment potential
Would this stack up as a buy-to-let?
Investment inputs
AssumptionsAt a glance
Gross yield
0.86%
Net yield
-3.28%
Monthly cashflow
£-4,765
ROI on cash
-8.8%
Sensitivity
Rent −10%
£-4,864/mo · -3.34%
Rent +10%
£-4,667/mo · -3.21%
Rate +1%
£-5,856/mo · -4.03%
Rate −1%
£-3,675/mo · -2.53%
Indicative only — mortgage products, tax treatment and Section 24 relief for higher-rate landlords depend on your personal circumstances. Speak to a broker and an accountant before buying.
Want a fuller model? Open the full calculator →
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)
79
/ 1k residents
Low▲ 5.2% vs previous year
Broadband
263 Mbps
Up to 193 Mbps upload4 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Good | None | Good | Good |
| O2 | Good | None | Limited | Good |
| Three | Good | Good | Good | Good |
| Vodafone | Good | Good | Good | Limited |
Planning applications
9within 250 m in the last 12 months
- Approved
Demolition of garage and new dwelling
2026/1419/HH · 10 Apr 2026
- Withdrawn
Loft conversion with rear dormer
2026/8636/HH · 8 Jul 2026
- Withdrawn
Front porch and boundary wall
2026/4156/HH · 29 May 2026
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
- D
- Price qualifier
- Guide price
Presented in line with National Trading Standards Estate & Letting Agency Team guidance.
Add value
Extension potential
Add value
Extension potential
Calculating extension options for this home…
Sold prices
Based on public sale records for Cheltenham, GL51 3BB and comparable homes nearby.
Property history
Jun 2020
Sold
£1,138,000
Sold nearby
Avg £1,725,667
3 Ash Road
Semi-detached · 3 bed · 0.21 mi · Mar 2025
£1,876,000
82 Sycamore Road
Detached · 3 bed · 0.31 mi · Aug 2025
£1,322,000
123 Rowan Gardens
Semi-detached · 3 bed · 0.35 mi · Dec 2025
£1,470,000
35 Ivy Road
Terraced · 4 bed · 0.42 mi · Apr 2026
£2,109,000
170 Oak Lane
Semi-detached · 5 bed · 0.47 mi · Nov 2024
£1,652,000
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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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