If you’ve ever loved the idea of warm, cheesy bread but balked at kneading, timing charts, or anything that needs a glossary, this loaf is your new best (and very lazy) friend.
Why This Recipe Is Awesome
This recipe borrows the charmingly undemanding personality of biscuit dough and dresses it up in loaf form so you get flaky layers, crunchy edges, and a gooey cheesy heart with almost zero ceremony. It works because the chemistry is delightfully simple: baking powder gives lift without kneading, cold butter steams pockets of air for flakiness, and a generous pile of sharp cheese adds salt, fat, and character. You get a bread that behaves like a savory pastry, tolerates improvisation, and rewards imperfect technique — which is perfect for people who cook for pleasure and detest needless fuss.
Ingredients You’ll Need
- 3 cups (375 g) all-purpose flour — plain, dependable
- 2 teaspoons baking powder — not optional unless you enjoy dense bricks
- 1 teaspoon fine salt
- 1 tablespoon sugar — cuts the sharpness; skip if you hate sweet hints
- 1/2 cup (115 g) cold unsalted butter, cubed — keep it chilly
- 2 cups (about 200 g) sharp cheddar, coarsely grated — fresh grating beats pre-shredded every time
- 1 1/4 cups (300 ml) buttermilk or whole milk — buttermilk gives tang
- 1 large egg — for richness (mix with a splash of milk for wash)
- 2 tablespoons melted butter — for brushing
- Optional: 2 tablespoons chopped chives or green onions, 1/2 teaspoon garlic powder, 1/2 cup cooked bacon bits, or 1/2 cup grated Parmesan for topping
Step-by-Step Instructions
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Step 1
Preheat the oven to 375°F (190°C) and grease a 9×5-inch loaf pan or line it with parchment; this dough wants to be coaxed, not wrestled. Whisk together flour, baking powder, salt, and sugar in a big bowl, then toss in the cold cubed butter and use your fingertips or a pastry cutter to rub it into the flour until the mixture looks like coarse crumbs with some pea-sized pieces — these bits are your flaky friends. Stir in the grated cheddar and any herbs or bacon, then make a well and pour in the buttermilk mixed with the egg; fold gently until a shaggy, slightly sticky dough forms — don’t overmix or you’ll regret the chewiness.
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Step 2
Turn the dough into the prepared pan by roughly patting and pressing it into an even layer; you don’t need a perfect top, rough is rustic and gives crumbs. Brush the surface with melted butter (or egg wash for shine), sprinkle extra cheese or Parmesan if you’re feeling showy, and bake for 30–40 minutes until the top is golden and a skewer comes out mostly clean; if the top browns too fast, tent with foil. Let the loaf rest 10–15 minutes in the pan before slicing so the interior sets — impatient slicing leads to a gooey mess, charming for a snack but awkward for neat sandwiches.
Common Mistakes to Avoid
Cutting corners with warm butter is the classic sin here; if the butter isn’t cold you lose those flaky layers and get something denser and sadder. Overworking the dough is the second most common crime — mix until combined, not into a workout. Baking at the wrong temperature (too hot) will brown the crust while leaving the middle undercooked; too low and you end up with a pale, gummy loaf. And yes, pregrated supermarket cheese often contains anti-caking agents that melt weirdly — fresh-grated cheese transforms the texture and flavor.
Alternatives & Substitutions
Use a gluten-free all-purpose blend with a teaspoon of xanthan gum if you need GF; texture will be slightly different but still comforting. Swap buttermilk for plain yogurt thinned with milk if that’s what’s in the fridge — it adds tang and keeps moisture. For a different vibe, replace half the cheddar with Gruyère for nuttiness or pepper jack for a little kick. Vegan? Try a firm plant butter and a good melting vegan cheese with unsweetened plant milk and omit the egg; the structure changes, but it’s still loaf-shaped happiness. Personally, I think chives + cheddar is the best combo unless bacon exists in the house — then all bets are off.
FAQ
Question 1?
Can I make this ahead and reheat? Absolutely. Bake, cool completely, then wrap tightly and keep at room temperature for a day or in the fridge for up to 3 days. Reheat slices in a 350°F (175°C) oven for 8–10 minutes to revive the crust, or toast slices for instant browning — microwaving will make it rubbery, which is a mood killer.
Question 2?
Can I freeze the loaf? Yes. Cool fully, wrap tightly in plastic then foil, and freeze up to 3 months. Thaw overnight in the fridge or at room temperature, then refresh in the oven at 350°F (175°C) for 10–15 minutes. If you want freezer-friendly quickies, slice before freezing and toast from frozen for sandwiches.
Question 3?
My loaf is dense — what did I do? Most likely you overmixed or the butter was too warm. Also double-check your baking powder; old powder gives weak rise. Finally, make sure your oven temperature is accurate — an oven thermometer is a cheap, judgment-free assistant.
Final Thoughts
This cheese biscuit loaf is the kind of recipe that makes weekday dinners feel indulgent without requiring marathon effort. It plays nice with soups, lives well beside eggs at breakfast, and stages a surprisingly dignified sandwich when sliced thin. Tweak the cheese, add herbs, toss bacon, or keep it gloriously plain; either way you get warm, buttery layers with a crisp, irresistible crust. Go make one, slice it too soon if you must, and then make another because the first one will disappear before anyone admits guilt.

Hi, I’m Lina, the creator of Lina Easy Recipes.Cooking has always been my passion, and I love sharing simple, homemade dishes that anyone can prepare.
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