Your Local Mortgage & Financial Experts in
Cardiff
Cardiff
From finding the right mortgage to protecting your family and planning your legacy. We’re here to help you every step of the way in Cardiff.
From finding the right mortgage to protecting your family and planning your legacy. We’re here to help you every step of the way in Cardiff.
From finding the right mortgage to protecting your family and planning your legacy. We’re here to help you every step of the way in Cardiff.
Buying or remortgaging in Cardiff? Chetwood Lloyd offers local expertise with nationwide lender access. We’ll guide you through every stage, from securing the right mortgage to protecting your income and planning your family’s future. All with straightforward, honest advice you can rely on.
Why choose us in
Cardiff
With more than 25 years of experience and a 5-star rating, Chetwood Lloyd offers direct, honest advice specific to your local real estate market. Our staff knows your area, your goals, and your challenges, from Canton to Cardiff, so your mortgage journey will be easy and stress-free.
01
Truly Independent Advice
We’re not tied to any bank, so we search the whole market to find the deal that truly fits you. Our priority is your needs, not the lender’s.
01
Truly Independent Advice
We’re not tied to any bank, so we search the whole market to find the deal that truly fits you. Our priority is your needs, not the lender’s.
01
Truly Independent Advice
We’re not tied to any bank, so we search the whole market to find the deal that truly fits you. Our priority is your needs, not the lender’s.
02
Fee-Free Service
You’ll never pay us a fee for our guidance. Everyone deserves honest, quality mortgage advice without extra costs.
02
Fee-Free Service
You’ll never pay us a fee for our guidance. Everyone deserves honest, quality mortgage advice without extra costs.
02
Fee-Free Service
You’ll never pay us a fee for our guidance. Everyone deserves honest, quality mortgage advice without extra costs.
03
With You Every Step of the Way
From your first call to moving in (and beyond), we’ll keep things simple, handling the details so your journey stays stress-free.
03
With You Every Step of the Way
From your first call to moving in (and beyond), we’ll keep things simple, handling the details so your journey stays stress-free.
03
With You Every Step of the Way
From your first call to moving in (and beyond), we’ll keep things simple, handling the details so your journey stays stress-free.
All Our
Services in
Cardiff
In Cardiff and the surrounding areas, we provide a comprehensive range of mortgage and protection services. Our local team offers the best deals and advice, fee-free, whether you're looking to buy your first home, remortgage, or investigate lifetime mortgage options.
Buying
A Home
Whether you’re a first-time buyer or moving up the property ladder, we’ll make the process simple, stress-free, and exciting.
Why choose us for buying your home?
Access to 100+ lenders and all major schemes
End-to-end support with estate agents, solicitors, and surveys.
Friendly, plain-English advice at every step.
Buying
A Home
Whether you’re a first-time buyer or moving up the property ladder, we’ll make the process simple, stress-free, and exciting.
Why choose us for buying your home?
Access to 100+ lenders and all major schemes
End-to-end support with estate agents, solicitors, and surveys.
Friendly, plain-English advice at every step.
Buying
A Home
Whether you’re a first-time buyer or moving up the property ladder, we’ll make the process simple, stress-free, and exciting.
Why choose us for buying your home?
Access to 100+ lenders and all major schemes
End-to-end support with estate agents, solicitors, and surveys.
Friendly, plain-English advice at every step.
Lifetime
Mortgages (Aged 55+)
If you’re over 55, we can help you explore safe, regulated ways to release value from your home and enjoy more freedom in later life.
Why Choose Chetwood Lloyd for Lifetime Mortgages?
Fee-free, independent advice from qualified specialists.
Explore both Lifetime Mortgages and RIO Mortgages.
Clear explanations so you can make confident decisions.
Lifetime
Mortgages (Aged 55+)
If you’re over 55, we can help you explore safe, regulated ways to release value from your home and enjoy more freedom in later life.
Why Choose Chetwood Lloyd for Lifetime Mortgages?
Fee-free, independent advice from qualified specialists.
Explore both Lifetime Mortgages and RIO Mortgages.
Clear explanations so you can make confident decisions.
Lifetime
Mortgages (Aged 55+)
If you’re over 55, we can help you explore safe, regulated ways to release value from your home and enjoy more freedom in later life.
Why Choose Chetwood Lloyd for Lifetime Mortgages?
Fee-free, independent advice from qualified specialists.
Explore both Lifetime Mortgages and RIO Mortgages.
Clear explanations so you can make confident decisions.
Remortgage your
home
Remortgaging can help you save money, unlock funds, or take control of your finances — and we’ll guide you through it with ease.
Why choose us for remortgaging
Find the best deal when your current rate ends.
Release equity for home improvements or big plans.
Consolidate debts into one affordable payment.
Remortgage your
home
Remortgaging can help you save money, unlock funds, or take control of your finances — and we’ll guide you through it with ease.
Why choose us for remortgaging
Find the best deal when your current rate ends.
Release equity for home improvements or big plans.
Consolidate debts into one affordable payment.
Remortgage your
home
Remortgaging can help you save money, unlock funds, or take control of your finances — and we’ll guide you through it with ease.
Why choose us for remortgaging
Find the best deal when your current rate ends.
Release equity for home improvements or big plans.
Consolidate debts into one affordable payment.
Protecting Your Family,
Income & Future
Life is unpredictable, but the right cover means your family and finances are protected no matter what happens.
Why choose us for home insurance?
Tailored life, critical illness, and income protection.
Independent, fee-free guidance to find the right policy.
Peace of mind that your loved ones are financially secure.
Protecting Your Family,
Income & Future
Life is unpredictable, but the right cover means your family and finances are protected no matter what happens.
Why choose us for home insurance?
Tailored life, critical illness, and income protection.
Independent, fee-free guidance to find the right policy.
Peace of mind that your loved ones are financially secure.
Protecting Your Family,
Income & Future
Life is unpredictable, but the right cover means your family and finances are protected no matter what happens.
Why choose us for home insurance?
Tailored life, critical illness, and income protection.
Independent, fee-free guidance to find the right policy.
Peace of mind that your loved ones are financially secure.
Wills, Trusts, and Estate Planning
Secure Your Legacy
Planning ahead ensures your wishes are respected and your loved ones are cared for when it matters most.
Why choose us for wills trusts estate planning secure your legacy?
Write a Will that protects your family from disputes.
Explore trusts to safeguard assets and reduce tax.
Comprehensive estate planning made simple and clear.
Wills, Trusts, and Estate Planning
Secure Your Legacy
Planning ahead ensures your wishes are respected and your loved ones are cared for when it matters most.
Why choose us for wills trusts estate planning secure your legacy?
Write a Will that protects your family from disputes.
Explore trusts to safeguard assets and reduce tax.
Comprehensive estate planning made simple and clear.
Wills, Trusts, and Estate Planning
Secure Your Legacy
Planning ahead ensures your wishes are respected and your loved ones are cared for when it matters most.
Why choose us for wills trusts estate planning secure your legacy?
Write a Will that protects your family from disputes.
Explore trusts to safeguard assets and reduce tax.
Comprehensive estate planning made simple and clear.
Additional Ways
We Can Help
Buying a property is more than just a mortgage — we’ll make sure the whole journey is smooth and stress-free.
Why choose Chetwood Lloyd Mortgages?
Arrange property surveys so you buy with confidence.
Trusted conveyancers to manage the legal side.
Insurance guidance to protect your new home from day one.
Additional Ways
We Can Help
Buying a property is more than just a mortgage — we’ll make sure the whole journey is smooth and stress-free.
Why choose Chetwood Lloyd Mortgages?
Arrange property surveys so you buy with confidence.
Trusted conveyancers to manage the legal side.
Insurance guidance to protect your new home from day one.
Additional Ways
We Can Help
Buying a property is more than just a mortgage — we’ll make sure the whole journey is smooth and stress-free.
Why choose Chetwood Lloyd Mortgages?
Arrange property surveys so you buy with confidence.
Trusted conveyancers to manage the legal side.
Insurance guidance to protect your new home from day one.
How we make mortgages
simple at
Cardiff
We in Cardiff take care of everything, outlining your options, evaluating the best offers, and helping you every step of the way. With helpful professionals at your fingertips, you'll always know what comes next.
01
Independent & Impartial
01
Independent & Impartial
01
Independent & Impartial
02
Fee-Free Expertise
02
Fee-Free Expertise
02
Fee-Free Expertise
03
Support Beyond the Mortgage
03
Support Beyond the Mortgage
03
Support Beyond the Mortgage
04
Local Roots, Nationwide Reach
04
Local Roots, Nationwide Reach
04
Local Roots, Nationwide Reach
Our Proccess For
Cardiff
From your free initial consultation to obtaining your mortgage. We analyze lenders that cater to the Cardiff market, work with nearby solicitors, and keep you updated at every stage. The Chetwood Lloyd way is straightforward guidance, easy communication, and total confidence.
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
Says from
Cardiff
With straightforward guidance and prompt, amiable service, we have assisted Cardiff homeowners in finding fantastic bargains and their ideal homes. You're treated like family at Chetwood Lloyd, as evidenced by our 5-star reviews.
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
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 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
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
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
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
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
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
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
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
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 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
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
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
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
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
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
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
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
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 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
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
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
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
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
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
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
Your trusted
mortgage guide
&
helping hand
in
Cardiff
Independent, fee-free, and always on your side, making mortgages simple, clear, and stress-free.
Truly Independent
Truly Independent
Truly Independent
Always Fee-Free
Always Fee-Free
Always Fee-Free
Clear, Honest Advice
Clear, Honest Advice
Clear, Honest Advice
Friendly & Approachable
Friendly & Approachable
Friendly & Approachable
Support Beyond the Mortgage
Support Beyond the Mortgage
Support Beyond the Mortgage
With You Every Step
With You Every Step
With You Every Step
The next step
Ready to Get
Started in
Cardiff
Have a free, no-obligation conversation with us to start the process of finding your next home. Without putting any pressure on you or charging you extra, we'll go over your options, respond to your inquiries, and assist you in locating the ideal mortgage.
Jamie
Gurpreet
The next step
Ready to Get
Started in
Cardiff
Have a free, no-obligation conversation with us to start the process of finding your next home. Without putting any pressure on you or charging you extra, we'll go over your options, respond to your inquiries, and assist you in locating the ideal mortgage.
Jamie Mielczarek
Gurpreet Mielczarek
The next step
Ready to Get
Started in
Cardiff
Have a free, no-obligation conversation with us to start the process of finding your next home. Without putting any pressure on you or charging you extra, we'll go over your options, respond to your inquiries, and assist you in locating the ideal mortgage.
Jamie
Gurpreet
Chetwood Lloyd Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA) 930774
Our
Company
Our
Services
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
Our
Company
Our
Services
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
Our
Company
Our
Services
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