I’ve been a mortgage advisor for over 25 years, helping hundreds of people buy their first home. It’s one of the most rewarding parts of my job, but I know that the process can be overwhelming. Every week, thousands of people encounter challenges, often due to misinformation or poor professional guidance.
At Chetwood Lloyd Mortgages, I’ve made it our priority to provide a service that’s thorough, accurate, and designed to take the stress out of buying your first home. From the moment you contact us until the day you get your keys, we’re here to offer expert advice, personalised support, and a smooth, stress-free experience.
Jamie – Chetwood Lloyd Mortgages.
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With property prices rising, deposits hard to save, and fierce competition for every home, it’s easy to feel stuck. Add to that the complex process of applying for a mortgage and navigating legal paperwork, and it’s no wonder so many first-time buyers feel frustrated.
But what if there was a way to level the playing field? A way to secure your dream home faster, with less stress and lower upfront costs? That’s where we come in.
Our expert advice, exclusive mortgage options, and advanced property search tools give you the competitive edge you need to secure your ideal home. And best of all, our service is completely fee-free.
Here’s how we help you overcome the biggest challenges of buying your first home:
Saving for a large deposit is one of the biggest hurdles to buying your first home. But with our exclusive low-deposit mortgage options, you can secure your home with as little as £5,000 down, borrowing up to 99% of the property’s value.
✅ Available for properties up to £500,000 across England, Scotland, and Wales
✅ Minimum loan amount of £95,001, with flexible terms of up to 40 years
✅ Gifted deposits from immediate family members are accepted
✅ Capital repayment only, ensuring you build equity with every payment
This low-deposit option is designed specifically for first-time buyers, making homeownership more accessible than ever before.
Our customer portal gives you 100’s of data points about the property and the area, her are just a few examples.
✅ Property price trends and sales history, so you can make smart offers
✅ Local crime rates, broadband speed, and energy efficiency ratings to choose the right area
✅ Flood risk, geology reports, and infrastructure projects that could affect property value
✅ A free Credit report which you can access as often as you like.
If your income isn’t enough to borrow what you need, we can help you increase your budget with innovative solutions like Joint Borrower Sole Proprietor (JBSP) mortgages. This allows family members to boost your borrowing capacity without co-owning the property.
Buying a home doesn’t have to be stressful. Our expert mortgage advisors guide you through every step, making sure you avoid common pitfalls and costly mistakes. We handle the paperwork, liaise with solicitors, and ensure your mortgage application goes smoothly.
In today’s competitive market, speed matters. Our streamlined process means you can get your mortgage approved faster, so you can make offers with confidence.
We offer online presentations and meetings to ensure you fully understand your mortgage options. Our advisors explain every detail, answer your questions, and give you complete peace of mind that you're getting the best mortgage possible.
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✅ Truly Independent: We search the whole market to find the best deal for you
💷 Fee-Free Service: Our advice is completely free – no hidden costs
📞 Personalised Support: Speak directly to a dedicated mortgage advisor who’s with you every step of the way
🚀 Fast and Simple Process: We handle the hard work so you can focus on finding your dream home
