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

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

When Others Say No

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

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.

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 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.

What Our Customers

Say

About Us

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

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

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.

Our Office Address

Dalton House, 35 Chester St, Wrexham LL13 8AH, United Kingdom

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.

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 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 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 Mielczarek
Gurpreet Mielczarek

Chetwood Lloyd Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA) 930774

Chetwood Lloyd Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register. Our Financial Services Register number is 930774.Registered office: Dalton House, 35 Chester Street, Wrexham, LL13 8AH.Chetwood Lloyd Mortgages is registered in England and Wales with company number12637290.The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of Buy To Lets. A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567

Copyright © 2025 Chetwood Lloyd Mortgages

Chetwood Lloyd Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA) 930774

Chetwood Lloyd Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register. Our Financial Services Register number is 930774.Registered office: Dalton House, 35 Chester Street, Wrexham, LL13 8AH.Chetwood Lloyd Mortgages is registered in England and Wales with company number12637290.The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of Buy To Lets. A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567

Copyright © 2025 Chetwood Lloyd Mortgages

Chetwood Lloyd Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA) 930774

Chetwood Lloyd Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register. Our Financial Services Register number is 930774.Registered office: Dalton House, 35 Chester Street, Wrexham, LL13 8AH.Chetwood Lloyd Mortgages is registered in England and Wales with company number12637290.The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of Buy To Lets. A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567

Copyright © 2025 Chetwood Lloyd Mortgages