3 bedroom flat, Ashford Way, Cheltenham
Cheltenham, GL53 9NN
Added 21 Jul 2026
£1,120,000
Guide price
Bedrooms
3
Bathrooms
1
Size
1,232 sqft
Type
flat
Match
80%
- TenureLeasehold
- Council taxBand G
- EPCC
- ChainChain-free
- ParkingNone
- GardenNone
About this home
Key features
- Double glazing
- Fibre broadband
- Long lease
- Recently redecorated
- Video entry
- Well-managed block
- None parking
- None
- Chain free
- 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.
Monthly ownership cost
Edit any line, add fees you know about, and see the total update live.
£7,482/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand G£Service charge
KnownReported by agent£Ground rent
KnownReported by agent£Buildings insurance
Est.Typical estimate£Maintenance & repairs
Est.~1% of value / yr£
Property facts
- Tenure
- Leasehold
- Council tax
- Band G
- Year built
- 1938
- Heating
- Gas Central Heating
- Parking
- None
- Garden
- None
- Chain
- Chain-free
Energy performance
- A
- B
- CScore 78
- D
- E
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
1,232 sqft
≈ 114 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- 0.4 mi
Central Station
Rail
- 1.8 mi
Kings Road Station
Rail
- 3 mi
Riverside
Rail
Commute highlights
Estimated travel times to major UK hubs
Bristol Temple Meads
38.1 mi away
Birmingham New Street
40.3 mi away
London Kings Cross
87.9 mi away
Manchester Piccadilly
108.7 mi away
Leeds
132.4 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.7 mi
Supermarket
Waitrose
- 🏋️0.7 mi
Gym
Fitness First
- 🌳0.9 mi
Park
Highfield Common
- 🩺0.6 mi
GP surgery
St Andrew's Medical
- 🍽️1.0 mi
Restaurants
Village square
- ☕0.4 mi
Café
Grind & Co.
Commute time
Estimate the journey from Cheltenham, GL53 9NN 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: LimitedOutdoor: Limited
- O2Indoor: GoodOutdoor: Good
- ThreeIndoor: GoodOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Cheltenham, GL53 9NN.
Area average
£1,120,773
This home +0%
12m change
+5%
Sold prices
Avg £/sqft
£1078
This home £909
Buyer demand
High
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Monthly cost breakdown
Leasehold · estimated running costs (all editable).
Total monthly cost
£7,049 /mo
£84,590 per year — indicative estimate.
- Mortgage£5,747/mo10% deposit · 4.75% · 25 yr82%
- Council tax (Band G)£313/moIndicative England average4%
- Service charge£316/moFrom listing4%
- Ground rent£7/moFrom listing0%
- Maintenance & repairs£467/mo~0.50% of value / yr7%
- Utilities (energy + water)£200/moOfgem typical dual-fuel3%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£5,747
Loan £1,008,000 · Deposit £112,000 (10%)
£1,757/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £716,035
- Total paid
- £1,724,035
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
£55,750
Effective rate 4.98% on £1,120,000
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
£359,500
Loan up to £247,500 + £112,000 deposit · capped by income (4.5× LTI)
This listing
£1,120,000
Short by £760,500 · needs income ~£224,000/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £5,258 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.0%
Affordability summary
StretchYou'd need about £224,000/yr income or £760,500 more deposit.
Monthly all-in
£6,285 /mo
£5,258 mortgage + £1,027 running · 137% of gross pay
Upfront cash
£172,679
£112,000 deposit + £55,750 SDLT + £4,929 fees
Lender check
Too big
Need £1,008,000 · max on income £247,500
- Loan needed (£1,008,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£6,285) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£172,679) 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.
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Tenure & lease
Tenure
leasehold
Lease remaining
787 years
Service charge
£3,790 / year
Ground rent
£85 / year
Investment potential
Would this stack up as a buy-to-let?
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Investment potential
Would this stack up as a buy-to-let?
Investment inputs
AssumptionsAt a glance
Gross yield
1.34%
Net yield
-2.91%
Monthly cashflow
£-2,714
ROI on cash
-8.3%
Sensitivity
Rent −10%
£-2,813/mo · -3.01%
Rent +10%
£-2,616/mo · -2.80%
Rate +1%
£-3,414/mo · -3.66%
Rate −1%
£-2,014/mo · -2.16%
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)
64
/ 1k residents
Low▲ 3.8% vs previous year
Broadband
632 Mbps
Up to 397 Mbps upload9 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Good | None | Good | Good |
| O2 | Limited | Limited | Good | Good |
| Three | Limited | Good | Good | Good |
| Vodafone | Limited | None | Good | Good |
Planning applications
2within 250 m in the last 12 months
- Refused
Demolition of garage and new dwelling
2026/1055/HH · 14 Jun 2026
- Pending
Outbuilding for home office
2026/5426/HH · 11 Feb 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
- leasehold
- Council tax band
- G
- 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…
Videos & tours
1 clip — swipe through to explore.
Sold prices
Based on public sale records for Cheltenham, GL53 9NN and comparable homes nearby.
Property history
Oct 2022
Sold
£882,000
+67.4% vs previous
Sept 2017
Sold
£527,000
Sold nearby
Avg £1,153,833
53 Maple Mews
Terraced · 2 bed · 0.29 mi · Dec 2024
£1,155,000
65 Rowan Mews
Flat · 3 bed · 0.34 mi · Mar 2026
£1,086,000
10 Ivy Road
Semi-detached · 3 bed · 0.36 mi · Dec 2025
£1,206,000
135 Laurel Terrace
Semi-detached · 2 bed · 0.37 mi · Mar 2026
£1,178,000
103 Poplar Gardens
Detached · 2 bed · 0.44 mi · Aug 2025
£943,000
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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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