About the
Founder
&
Chetwood Lloyd Mortgages
With over 25 years in the mortgage industry, Jamie has helped countless people achieve the dream of homeownership. From starting as a mortgage underwriter at Halifax to launching Chetwood Lloyd Mortgages named in honour of his grandmother and mother his journey has always been guided by honesty, loyalty, and transparency.
Today, Chetwood Lloyd is fully independent and FCA-authorised, offering fee-free, impartial advice with clients’ best interests at heart.
Away from work, Jamie and his wife Gurpreet enjoy exploring North Wales, mountain biking, hiking, and reading.
Is an Equity Release/Lifetime
Mortgage Right for You?
It’s natural to have questions or worries. Here are some of the most common problems we hear from our clients
I’m worried I’ll lose ownership of my home
A lot of people assume equity release means giving up control – but with a Lifetime Mortgage, your home stays 100% yours.
I don’t want to leave my family with debt.
It’s important to protect your loved ones. We’ll help you understand how Lifetime Mortgages work, including inheritance protection and no negative equity guarantees
I’m not sure if I’ll still be able to move house in future
Flexibility matters. Many Lifetime Mortgage products now allow you to move home or repay early without penalties under certain conditions.
I don’t know how it will affect my benefits
Releasing equity can affect means-tested benefits – but we’ll guide you through what it means for your situation, so there are no surprises.
It all sounds too complicated.
You're not alone. We make everything easy to understand and take the time to explain your options in plain English – with no pressure at all.
We Make Equity Release/Lifetime
Mortgages Simple
Making financial decisions later in life can feel daunting. Here’s how we help you feel confident every step of the way
We Find You The Best Mortgage
We are whole-of-market advisors, so compare lenders to find you the best solution.
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.
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.
We Help You Plan for the Future
From inheritance protection to flexible repayment options, we’ll help you choose a product that fits your long-term goals and your family's needs.
Our Advice Is 100% Free
Like other advisors, we’re paid a commission by the lender – but unlike many, we don’t charge you any additional fees.
How It Works
For Equity Release
We make it a clear, stress-free process and we’re with you every step of the way to explain, guide, and take care of everything.
Call us, send a message, or book a time that suits you — there’s no pressure or obligation. We’ll ask a few simple questions to understand your situation and explain how a lifetime mortgage could work for you.
We’ll go through everything in a clear, online presentation — tailored to your needs. Afterwards, we’ll send a full written summary for you to read at your leisure or share with family. If you're happy to go ahead, you simply instruct us to proceed.
We’ll arrange the mortgage with the lender, handle all the legal work, and can also help you set up a Will or Power of Attorney if needed. We’ll keep you informed every step of the way — it’s all part of our fee-free, fully independent service.
What Our Customers
Say
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.
Your trusted
equity release guide
&
helping hand
As your trusted equity release guide, we’re here to help you understand how it works, what it means for your future, and how to make the best decision for your needs.
Schedule Your
Appointment
Ready to take the next step? Scheduling an appointment with us is quick, simple, and completely pressure-free. Whether you prefer a phone call or an online chat, we’ll take the time to understand your goals, answer your questions, and guide you through your options all in plain English. Book a time that suits you, and let’s start making your plans happen with confidence.
Our Office Address
Dalton House, 35 Chester St, Wrexham LL13 8AH, United Kingdom
Got Any Questions?
We’ve Got The
Answers
Thinking about releasing equity from your home can raise a lot of questions and that’s completely normal. Whether you’re unsure how it works, worried about ownership, or just want to understand your options, we’re here to make it simple. Our team explains everything in plain English, with no pressure or jargon, so you can make confident, informed decisions about your future.
