5 Stars
On Google / Trust Pilot Reviews
Been declined for a mortgage? Don't worry - We're here to help.
If you’ve been turned down because of missed payments, defaults, CCJs, or a low credit score, you’re not alone — and it doesn’t mean your mortgage journey is over.
At Chetwood Lloyd Mortgages, we understand that life doesn’t always go to plan. That’s why we search through over 100 lenders, including many who specialise in helping people with credit issues.
Whether you’re buying your first home, moving, or remortgaging, our friendly, fee-free advice can help you find a solution that fits your circumstances — so you can move forward with confidence.
5 Stars
On Google / Trust Pilot Reviews
Been declined for a mortgage?
Don't worry - We're here to help.
If you’ve been turned down because of missed payments, defaults, CCJs, or a low credit score, you’re not alone — and it doesn’t mean your mortgage journey is over.
At Chetwood Lloyd Mortgages, we understand that life doesn’t always go to plan. That’s why we search through over 100 lenders, including many who specialise in helping people with credit issues.
Whether you’re buying your first home, moving, or remortgaging, our friendly, fee-free advice can help you find a solution that fits your circumstances — so you can move forward with confidence.
5 Stars
On Google / Trust Pilot Reviews
Been declined for a mortgage? Don't worry - We're here to help.
If you’ve been turned down because of missed payments, defaults, CCJs, or a low credit score, you’re not alone — and it doesn’t mean your mortgage journey is over.
At Chetwood Lloyd Mortgages, we understand that life doesn’t always go to plan. That’s why we search through over 100 lenders, including many who specialise in helping people with credit issues.
Whether you’re buying your first home, moving, or remortgaging, our friendly, fee-free advice can help you find a solution that fits your circumstances — so you can move forward with confidence.
The Problems People Face
With A Poor Credit Score
The Problems People Face
With A Poor Credit Score
The Problems People Face
With A Poor Credit Score
Getting a mortgage with poor credit isn’t easy — but you’re not alone, and the right help can make all the difference.
Struggling to Find a Lender Who Will Say Yes
Most high-street banks turn away people with defaults, CCJs, or low credit scores, leaving you unsure where to turn.
Feeling Lost and Overwhelmed
It’s confusing to figure out mortgage options, especially when lenders all seem to speak in jargon or reject you without clear reasons.
Drowning in Paperwork and Processes
From forms to valuations, the mortgage process is stressful, time-consuming, and full of admin headaches when you try to handle it alone.
Long, Uncertain Waiting Times
Waiting for answers can be frustrating. We speak to lenders directly on your behalf, chase updates, and keep your application moving so you’re not left in the dark.
Worrying About Extra Costs and Fees
Some brokers charge hefty fees, adding to your financial stress when you’re already worried about your credit situation.
We Can Help,
When Others Say No
We Can Help,
When Others Say No
We Can Help,
When Others Say No
Bad credit? No problem. We match you with the right lenders, guide you every step, and handle the process all at no cost to you.
01
01
01
We Find the Best Mortgages
We're independent, whole-of-market advisors, so we'll compare 100+ Lenders — Including those that accept defaults, CCJs & low scores.
02
02
02
We Guide You Through Every Step
You don’t have to figure it out alone. We explain your options in plain English and help you make the right choice.
03
03
03
We Handle The Whole Process For You
From paperwork to valuations, we support you in dealing with the administrative side, saving you time and hassle.
04
04
04
Faster Results
Most decisions within 24–48 hours, so you’re not left waiting.
05
05
05
Our Advice Is 100% Free
Like all mortgage advisors, we receive a commission from the lender — but unlike many, we don’t charge you any extra fees.
How We Help When
Your Credit History Isn’t Perfect
How We Help When
Your Credit History Isn’t Perfect
How We Help When
Your Credit History Isn’t Perfect
Even with bad credit, we make the process simple and stress-free guiding you through every step with expert, independent advice.
Book A Meeting Or Call Us
Fee-Free, Whole-of-Market Advice
Call us, send a message, or book a time that suits you. We’ll listen carefully to your situation — no judgment — and explain what mortgage options are available, whether you have CCJs, defaults, missed payments, or other credit issues.
Call us, send a message, or book a time that suits you. We’ll listen carefully to your situation — no judgment — and explain what mortgage options are available, whether you have CCJs, defaults, missed payments, or other credit issues.
We search the whole market for solutions
Fee-Free, Whole-of-Market Advice
We’ll explore specialist lenders who understand adverse credit and find the best deals for your circumstances. We’ll present everything to you clearly in an online meeting, followed by a written summary you can review in your own time.
We’ll explore specialist lenders who understand adverse credit and find the best deals for your circumstances. We’ll present everything to you clearly in an online meeting, followed by a written summary you can review in your own time.
We handle the application and paperwork
Fee-Free, Whole-of-Market Advice
Once you’re happy, we’ll manage the mortgage application from start to finish, liaising with the lender and solicitors, making sure everything runs smoothly. We can also help you plan ahead with protection, a Will, or Power of Attorney if needed.
Once you’re happy, we’ll manage the mortgage application from start to finish, liaising with the lender and solicitors, making sure everything runs smoothly. We can also help you plan ahead with protection, a Will, or Power of Attorney if needed.
What Our
Customers Says
What Our
Customers Says
What Our
Customers Says
See what our happy customers have to say about their experience with us — real stories from people we’ve helped every step of the way.
We had a fantastic experience with Jamie & Co at Chetwood Lloyd. No ask was too much for Jamie who was always on hand to answer questions etc. do not hesitate, Jamie and his team are brilliant at what they do and they have literally changed our lives! Mark and Debbie.
MR
Mark Rogers
Trustpilot
Very pleased with the service provided by Jamie at Chetwood Lloyd, not only is he a nice guy but he is also very thorough at what he does. I would definitely recommend to others.
KA
Kate
Trustpilot
We couldn’t have asked for a better mortgage advisor. Jamie made everything so easy to understand and was always there whenever we had questions. Really took the stress out of the whole process of buying our first home and we’re so grateful for all the help!
MM
Matthew Martin
Google Business
Jamie was recommended to us by a friend who also had a great customer experience with him. What can I say! Jamie is the best person to have if you're looking for a mortgage.
TR
Trev
Trustpilot
We couldn’t recommend Chetwood Lloyd any more! From the beginning to the finish of our purchase Jamie was there for us the whole way showing years of knowledge and giving us his expert advise when needed. Jamie took the stress away from what is normally a highly stressful period. Will use Chetwood every time
RT
Rosie Treanor
Google Business
Jamie at Chetwood Lloyd has been my mortgage advisor for the last 8 years, he helped me buy my first house, my first shared home and more recently pulled out all the stops to make sure I could take over the mortgage for that home by myself. Whilst he’s in the business I’ll never take my business anywhere else. Thoroughly recommended
MS
Michael Shannon
Google Business
This is the second time we've used Jamie for mortgage services and we would not hesitate to use him again. Always on hand to answer questions, no matter how trivial. He always looks at what's best for us both financially and in terms of customer service, demonstrating that price is not the only element to consider. He takes all the pain out of dealing with mortgages, freeing us up to chase the conveyancers.
NR
Nicola Roberts
Trustpilot
Have been using Chetwood Lloyd Mortgages for a good few years now. We've have had several mortgages and also some Life policies. Would not go anywhere else and can highly recommend. Definitely 5 stars they go above and beyond every time.
LC
Lisa Cavanagh
Google Business
Jamie and his team were a pleasure to have work for us. We were fully guided by highly motivated, compassionate professionals through the challenges we faced as a self employed, immigrant couple. We couldn't be more pleased with the help they provided, and subsequently the result. Highly recommended and worth every single penny.
KS
Kelley Snell
Trustpilot
With the help of the team at Chetwood Lloyd we just completed on our first home. I can't state highly enough the exceptional level of service they provide. They keep you informed every step of the way, always go the extra mile and are available for calls/emails to answer any questions throughout the process.
LD
Luke Davidson-Clarke
Google Business
I am so glad to have Jamie, Gurpreet and all the team at Chetwood Lloyd taking care of me when it comes to my mortgage. They are always so friendly, extremely knowledgeable and always help to explain the jargon that can sometimes seem confusing and daunting. The really take care of their clients and I would recommend them wholeheartedly!
SJ
Sarah-Jayne Powell
Googld Business
We have dealt with Chetwood Lloyd Mortgages for many years now, We always get great advice and support. Jamie is fantastic and he is very knowledgeable, he always put his customers first. I find him very friendly to deal with and both me and my wife feel we are always in good hands. We would recommend Chetwood Lloyd to any of our friends.
KJ
Kevin Jones
Google Business
We had a fantastic experience with Jamie & Co at Chetwood Lloyd. No ask was too much for Jamie who was always on hand to answer questions etc. do not hesitate, Jamie and his team are brilliant at what they do and they have literally changed our lives! Mark and Debbie.
MR
Mark Rogers
Trustpilot
Very pleased with the service provided by Jamie at Chetwood Lloyd, not only is he a nice guy but he is also very thorough at what he does. I would definitely recommend to others.
KA
Kate
Trustpilot
We couldn’t have asked for a better mortgage advisor. Jamie made everything so easy to understand and was always there whenever we had questions. Really took the stress out of the whole process of buying our first home and we’re so grateful for all the help!
MM
Matthew Martin
Google Business
Jamie was recommended to us by a friend who also had a great customer experience with him. What can I say! Jamie is the best person to have if you're looking for a mortgage.
TR
Trev
Trustpilot
We couldn’t recommend Chetwood Lloyd any more! From the beginning to the finish of our purchase Jamie was there for us the whole way showing years of knowledge and giving us his expert advise when needed. Jamie took the stress away from what is normally a highly stressful period. Will use Chetwood every time
RT
Rosie Treanor
Google Business
Jamie at Chetwood Lloyd has been my mortgage advisor for the last 8 years, he helped me buy my first house, my first shared home and more recently pulled out all the stops to make sure I could take over the mortgage for that home by myself. Whilst he’s in the business I’ll never take my business anywhere else. Thoroughly recommended
MS
Michael Shannon
Google Business
This is the second time we've used Jamie for mortgage services and we would not hesitate to use him again. Always on hand to answer questions, no matter how trivial. He always looks at what's best for us both financially and in terms of customer service, demonstrating that price is not the only element to consider. He takes all the pain out of dealing with mortgages, freeing us up to chase the conveyancers.
NR
Nicola Roberts
Trustpilot
Have been using Chetwood Lloyd Mortgages for a good few years now. We've have had several mortgages and also some Life policies. Would not go anywhere else and can highly recommend. Definitely 5 stars they go above and beyond every time.
LC
Lisa Cavanagh
Google Business
Jamie and his team were a pleasure to have work for us. We were fully guided by highly motivated, compassionate professionals through the challenges we faced as a self employed, immigrant couple. We couldn't be more pleased with the help they provided, and subsequently the result. Highly recommended and worth every single penny.
KS
Kelley Snell
Trustpilot
With the help of the team at Chetwood Lloyd we just completed on our first home. I can't state highly enough the exceptional level of service they provide. They keep you informed every step of the way, always go the extra mile and are available for calls/emails to answer any questions throughout the process.
LD
Luke Davidson-Clarke
Google Business
I am so glad to have Jamie, Gurpreet and all the team at Chetwood Lloyd taking care of me when it comes to my mortgage. They are always so friendly, extremely knowledgeable and always help to explain the jargon that can sometimes seem confusing and daunting. The really take care of their clients and I would recommend them wholeheartedly!
SJ
Sarah-Jayne Powell
Googld Business
We have dealt with Chetwood Lloyd Mortgages for many years now, We always get great advice and support. Jamie is fantastic and he is very knowledgeable, he always put his customers first. I find him very friendly to deal with and both me and my wife feel we are always in good hands. We would recommend Chetwood Lloyd to any of our friends.
KJ
Kevin Jones
Google Business
We had a fantastic experience with Jamie & Co at Chetwood Lloyd. No ask was too much for Jamie who was always on hand to answer questions etc. do not hesitate, Jamie and his team are brilliant at what they do and they have literally changed our lives! Mark and Debbie.
MR
Mark Rogers
Trustpilot
Very pleased with the service provided by Jamie at Chetwood Lloyd, not only is he a nice guy but he is also very thorough at what he does. I would definitely recommend to others.
KA
Kate
Trustpilot
We couldn’t have asked for a better mortgage advisor. Jamie made everything so easy to understand and was always there whenever we had questions. Really took the stress out of the whole process of buying our first home and we’re so grateful for all the help!
MM
Matthew Martin
Google Business
Jamie was recommended to us by a friend who also had a great customer experience with him. What can I say! Jamie is the best person to have if you're looking for a mortgage.
TR
Trev
Trustpilot
We couldn’t recommend Chetwood Lloyd any more! From the beginning to the finish of our purchase Jamie was there for us the whole way showing years of knowledge and giving us his expert advise when needed. Jamie took the stress away from what is normally a highly stressful period. Will use Chetwood every time
RT
Rosie Treanor
Google Business
Jamie at Chetwood Lloyd has been my mortgage advisor for the last 8 years, he helped me buy my first house, my first shared home and more recently pulled out all the stops to make sure I could take over the mortgage for that home by myself. Whilst he’s in the business I’ll never take my business anywhere else. Thoroughly recommended
MS
Michael Shannon
Google Business
This is the second time we've used Jamie for mortgage services and we would not hesitate to use him again. Always on hand to answer questions, no matter how trivial. He always looks at what's best for us both financially and in terms of customer service, demonstrating that price is not the only element to consider. He takes all the pain out of dealing with mortgages, freeing us up to chase the conveyancers.
NR
Nicola Roberts
Trustpilot
Have been using Chetwood Lloyd Mortgages for a good few years now. We've have had several mortgages and also some Life policies. Would not go anywhere else and can highly recommend. Definitely 5 stars they go above and beyond every time.
LC
Lisa Cavanagh
Google Business
Jamie and his team were a pleasure to have work for us. We were fully guided by highly motivated, compassionate professionals through the challenges we faced as a self employed, immigrant couple. We couldn't be more pleased with the help they provided, and subsequently the result. Highly recommended and worth every single penny.
KS
Kelley Snell
Trustpilot
With the help of the team at Chetwood Lloyd we just completed on our first home. I can't state highly enough the exceptional level of service they provide. They keep you informed every step of the way, always go the extra mile and are available for calls/emails to answer any questions throughout the process.
LD
Luke Davidson-Clarke
Google Business
I am so glad to have Jamie, Gurpreet and all the team at Chetwood Lloyd taking care of me when it comes to my mortgage. They are always so friendly, extremely knowledgeable and always help to explain the jargon that can sometimes seem confusing and daunting. The really take care of their clients and I would recommend them wholeheartedly!
SJ
Sarah-Jayne Powell
Googld Business
We have dealt with Chetwood Lloyd Mortgages for many years now, We always get great advice and support. Jamie is fantastic and he is very knowledgeable, he always put his customers first. I find him very friendly to deal with and both me and my wife feel we are always in good hands. We would recommend Chetwood Lloyd to any of our friends.
KJ
Kevin Jones
Google Business
Your trusted guide
& helping hand
Your trusted
mortgage guide
& helping hand
Your trusted guide
& helping hand
Even with a less-than-perfect credit history, getting a mortgage is still possible.
Truly Independent
Truly Independent
Always Fee-Free
Always Fee-Free
Clear, Honest Advice
Clear, Honest Advice
Friendly & Approachable
Friendly & Approachable
Support Beyond the Mortgage
Support Beyond the Mortgage
With You Every Step
With You Every Step
Book an appointment or send a message
Book an appointment or send a message
Don’t let uncertainty hold you back any longer. We’ll guide you toward real solutions tailored to your situation. Whether you’re looking to buy your next home or remortgage your current one, we’ll help you secure the right mortgage even if you’ve faced bad credit, defaults, or past financial challenges.
Send a
Send a
message to us
message to us
We will guide you each and every step.
Got Any Questions?
We’ve Got The Answers
Got Any Questions?
We’ve Got The Answers
Got Any Questions?
We’ve Got The Answers
Many of our clients have faced defaults, CCJs, or missed payments before coming to us. That’s why we’ve answered some of the most common questions about adverse credit mortgages, so you can understand your options and take your next step with confidence.
Many of our clients have faced defaults, CCJs, or missed payments before coming to us. That’s why we’ve answered some of the most common questions about adverse credit mortgages, so you can understand your options and take your next step with confidence.
Can I get a mortgage if I have bad credit?
Can I get a mortgage if I have bad credit?
Can I get a mortgage if I have bad credit?
Will having bad credit mean very high interest rates?
Will having bad credit mean very high interest rates?
Will having bad credit mean very high interest rates?
Do I need a large deposit to get an adverse credit mortgage?
Do I need a large deposit to get an adverse credit mortgage?
Do I need a large deposit to get an adverse credit mortgage?
Will applying for a mortgage hurt my credit score further?
Will applying for a mortgage hurt my credit score further?
Will applying for a mortgage hurt my credit score further?
The next step
The Longer You Wait, The Longer The Uncertainty.
Don’t let uncertainty hold you back any longer. We’ll guide you toward real solutions tailored to your situation.
Whether you’re looking to buy your next home or remortgage your current one, we’ll help you secure the right mortgage — even if you’ve faced bad credit, defaults, or past financial challenges.
Jamie
Gurpreet
The next step
The Longer You Wait, The Longer The Uncertainty.
Don’t let uncertainty hold you back any longer. We’ll guide you toward real solutions tailored to your situation.
Whether you’re looking to buy your next home or remortgage your current one, we’ll help you secure the right mortgage — even if you’ve faced bad credit, defaults, or past financial challenges.
Jamie Mielczarek
Gurpreet Mielczarek
The next step
The Longer You Wait, The Longer The Uncertainty.
Don’t let uncertainty hold you back any longer. We’ll guide you toward real solutions tailored to your situation.
Whether you’re looking to buy your next home or remortgage your current one, we’ll help you secure the right mortgage — even if you’ve faced bad credit, defaults, or past financial challenges.
Jamie
