2 bedroom townhouse, Rose Cottage Lane, Cheltenham
Cheltenham, GL50 8EH
Added 21 Jul 2026
£525,000
Guide price
Bedrooms
2
Bathrooms
2
Size
1,114 sqft
Type
townhouse
Match
91%
- TenureFreehold
- Council taxBand E
- EPCD
- ChainChain-free
- ParkingAllocated Bay
- GardenRoof Terrace
About this home
Key features
- Bespoke storage
- Composite front door
- Fibre broadband
- Integral garage
- South-facing terrace
- Utility room
- Allocated bay parking
- Roof terrace
- Chain free
- EPC rating D
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.
£3,434/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand E£Buildings insurance
Est.Typical estimate£Maintenance & repairs
Est.~1% of value / yr£
Property facts
- Tenure
- Freehold
- Council tax
- Band E
- Year built
- 2017
- Heating
- Gas Central Heating
- Parking
- Allocated Bay
- Garden
- Roof Terrace
- Chain
- Chain-free
Energy performance
- A
- B
- C
- DScore 62
- E
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
1,114 sqft
≈ 103 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- 0.8 mi
Riverside
Rail
- 1.1 mi
Parkway
Tube
- 1.8 mi
Junction Station
Rail
- 2.6 mi
Parkway Station
Rail
Commute highlights
Estimated travel times to major UK hubs
Bristol Temple Meads
37.6 mi away
Birmingham New Street
41.5 mi away
London Kings Cross
86.3 mi away
Manchester Piccadilly
110.3 mi away
Leeds
133.7 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.4 mi
Supermarket
Co-op
- 🏋️0.3 mi
Gym
Anytime Fitness
- 🌳0.5 mi
Park
The Meadows
- 🩺0.9 mi
GP surgery
Parkside Surgery
- 🍽️0.6 mi
Restaurants
Local high street
- ☕0.2 mi
Café
Kaffeine
Commute time
Estimate the journey from Cheltenham, GL50 8EH 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: LimitedOutdoor: Good
- VodafoneIndoor: LimitedOutdoor: Good
- O2Indoor: GoodOutdoor: Good
- ThreeIndoor: LimitedOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Cheltenham, GL50 8EH.
Area average
£493,172
This home +6%
12m change
+2.4%
Sold prices
Avg £/sqft
£659
This home £471
Buyer demand
Cooling
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Monthly cost breakdown
Freehold · estimated running costs (all editable).
Total monthly cost
£3,614 /mo
£43,368 per year — indicative estimate.
- Mortgage£2,694/mo10% deposit · 4.75% · 25 yr75%
- Council tax (Band E)£229/moIndicative England average6%
- Buildings insurance£53/mo~0.12% of value / yr1%
- Maintenance & repairs£438/mo~1.00% of value / yr12%
- Utilities (energy + water)£200/moOfgem typical dual-fuel6%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£2,694
Loan £472,500 · Deposit £52,500 (10%)
£823/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £335,641
- Total paid
- £808,141
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
£16,250
Effective rate 3.10% on £525,000
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
£300,500
Loan up to £247,500 + £53,000 deposit · capped by income (4.5× LTI)
This listing
£525,000
Short by £224,500 · needs income ~£104,889/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £2,462 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.1%
Affordability summary
StretchYou'd need about £104,889/yr income or £224,500 more deposit.
Monthly all-in
£2,943 /mo
£2,462 mortgage + £481 running · 64% of gross pay
Upfront cash
£73,082
£53,000 deposit + £16,250 SDLT + £3,832 fees
Lender check
Too big
Need £472,000 · max on income £247,500
- Loan needed (£472,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£2,943) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£73,082) 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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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
2.86%
Net yield
-1.74%
Monthly cashflow
£-762
ROI on cash
-5.2%
Sensitivity
Rent −10%
£-861/mo · -1.97%
Rent +10%
£-664/mo · -1.52%
Rate +1%
£-1,090/mo · -2.49%
Rate −1%
£-434/mo · -0.99%
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)
41
/ 1k residents
Low▲ 5.6% vs previous year
Broadband
233 Mbps
Up to 93 Mbps upload7 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Limited | Good | Limited | Good |
| O2 | Good | Limited | Good | Good |
| Three | Good | Good | Good | Good |
| Vodafone | Good | Good | Good | Good |
Planning applications
1within 250 m in the last 12 months
- Refused
Front porch and boundary wall
2026/1366/HH · 17 Mar 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
- E
- 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, GL50 8EH and comparable homes nearby.
Property history
Apr 2020
Sold
£371,000
Sold nearby
Avg £500,333
156 Maple Street
Flat · 2 bed · 0.13 mi · Apr 2026
£633,000
147 Oak Road
Flat · 2 bed · 0.19 mi · Sept 2025
£508,000
65 Cedar Avenue
Detached · 3 bed · 0.27 mi · Oct 2024
£421,000
42 Ash Mews
Detached · 1 bed · 0.28 mi · Dec 2025
£437,000
107 Poplar Close
Detached · 2 bed · 0.33 mi · Apr 2025
£418,000
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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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