Preheat your oven to 400°F (200°C). Grease a loaf pan with butter or line it with parchment paper.

In a large bowl, whisk together the flour, baking powder, salt, sugar, and garlic powder.

Grate the cold butter into the dry mixture and mix until coarse crumbs form.

In another bowl, whisk together buttermilk and cheddar cheese until combined.

Pour the wet mixture into the dry ingredients and gently fold until just combined; do not overmix.

Fold in any optional ingredients like additional cheese or parsley.

Scoop the dough into the prepared loaf pan and bake for 30 to 40 minutes until golden brown and a toothpick comes out clean.

Cool the loaf in the pan for 10 minutes, then transfer to a wire rack to cool completely before slicing.