5 Stars

On Google / Trust Pilot Reviews

Buying your first home?

Let Us Guide You Every Step of the Way.

Getting on the property ladder can feel daunting, but it doesn’t have to be. With whole-of-market access and friendly, fee-free advice, we’ll help you find the right mortgage and make your move with confidence

At Chetwood Lloyd Mortgages, we simplify the home buying process helping you from the minute you contact us to the day you get the keys.

5 Stars

On Google / Trust Pilot Reviews

Buying your first home?

Let Us Guide You Every Step of the Way.

Getting on the property ladder can feel daunting, but it doesn’t have to be. With whole-of-market access and friendly, fee-free advice, we’ll help you find the right mortgage and make your move with confidence

At Chetwood Lloyd Mortgages, we simplify the home buying process helping you from the minute you contact us to the day you get the keys.

5 Stars

On Google / Trust Pilot Reviews

Buying your first home?

Let Us Guide You Every Step of the Way.

Getting on the property ladder can feel daunting, but it doesn’t have to be. With whole-of-market access and friendly, fee-free advice, we’ll help you find the right mortgage and make your move with confidence

At Chetwood Lloyd Mortgages, we simplify the home buying process helping you from the minute you contact us to the day you get the keys.

Excited to Buy Your First Home…

But Drowning in Decisions?

Choosing the right mortgage, understanding your budget, and dealing with estate agents — it’s a lot to take in without support.

How Much Can I Actually Borrow?

It’s one of the first questions people ask — and the answer isn’t always clear. Different lenders have different rules, and online calculators often give wildly different results. Without expert guidance, it’s hard to know what your real budget is.

I’ve No Idea Where To Start

Buying a home involves more than just picking a property. You’ve got mortgage options, legal processes, credit checks, and timelines to juggle — and no manual to follow. It’s easy to feel overwhelmed and unsure what to do next.

Can I Get a Mortgage With My Credit History?

Many first-time buyers worry about their credit score — whether it’s a missed payment, a student overdraft, or simply never having borrowed before. Not all lenders treat credit history the same, so it's important to get advice before assuming the worst.

What If I Get it Wrong and Overpay?

Choosing the wrong mortgage deal could cost you thousands. But with so many products, rates, and small print to compare, how do you know which one’s right? A fee-free, whole-of-market broker like us avoids costly mistakes.

I’m Worried About Hidden Costs.

It’s not just your deposit — there’s stamp duty (sometimes), solicitor fees, surveys, insurance, and moving costs. Without someone to lay it all out clearly, unexpected expenses can catch you off guard.

We Make Buying Your First

Home Less Stressful

At Chetwood Lloyd Mortgages, we take the stress out buying your First Home.
Here’s how we help:

01

01

01

Get a Clear, Step-By-Step Plan

You don’t need to figure this out alone. We’ll guide you through every stage of the buying process, from sorting your documents to getting your keys — so you always know what’s coming next

02

02

02

Know Exactly What You Can Afford

We’ll help you work out your true budget — factoring in what lenders will offer you, not just what an online calculator says. No guesswork, no surprises — just clarity from the start.

03

03

03

We Find the Best Mortgage Deals

We're independent, whole-of-market advisors, so we'll compare lenders to find you the most affordable way to clear your loan.

04

04

04

Online Presentations

We offer clear, online presentations where we explain everything in real time. You’ll see exactly how we search the market and why we recommend a particular deal, so you can be confident you're getting the best mortgage for you.

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 It Works

For First Time Home Buyers

It’s a clear, step-by-step process and we’re here to guide you through it from start to finish, with no stress and no fees.

Get in touch for a quick chat

Fee-Free, Whole-of-Market Advice

Call us, send a message, or book a time that suits you. We’ll call and ask a few questions to understand your situation and begin to put a robust plan together so you are ready to view properties with confidence.

We present your options clearly

Fee-Free, Whole-of-Market Advice

We’ll walk you through everything in an online presentation, tailored to your needs. Then we’ll send you a full written summary to look through in your own time. If you’re happy, you just give us the go-ahead.

We handle the mortgage, paperwork, and process

Fee-Free, Whole-of-Market Advice

We’ll arrange your mortgage, recommend a solicitor, deal with the lender, and guide you through every step — from your first viewing to getting the keys. No jargon, no chasing, just clear advice and support all the way.

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

first home guide

&

helping hand

We’ll walk you through every step, from understanding your mortgage options to getting that all-important approval, so you can make confident decisions and move into your new home with peace of mind.

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

Buying your first home is exciting — but it can also feel a bit overwhelming. Don’t worry, we’re here to make it simple. From deposits to lender requirements, we’ll answer all your questions and guide you every step of the way, so you can move into your new home with confidence.

How much deposit do I need to buy my first home?
How much deposit do I need to buy my first home?
How much deposit do I need to buy my first home?
Can I get a mortgage if I’ve never had credit before?
Can I get a mortgage if I’ve never had credit before?
Can I get a mortgage if I’ve never had credit before?
What costs should I budget for besides the deposit?
What costs should I budget for besides the deposit?
What costs should I budget for besides the deposit?
When should I speak to a mortgage advisor?
When should I speak to a mortgage advisor?
When should I speak to a mortgage advisor?

The next step

Delaying Could Mean

Missing Out on Your Dream Home

The housing market moves fast — and waiting too long could mean higher rates, tighter lending, or losing out to another buyer. The sooner you get your mortgage sorted, the stronger your position becomes.

Even if you’re just starting to look, getting expert advice now can save you time, money, and stress later. Book a free call today and take the first confident step towards owning your first home.

Jamie Mielczarek
Gurpreet Mielczarek

The next step

Delaying Could Mean

Missing Out on Your Dream Home

The housing market moves fast — and waiting too long could mean higher rates, tighter lending, or losing out to another buyer. The sooner you get your mortgage sorted, the stronger your position becomes.

Even if you’re just starting to look, getting expert advice now can save you time, money, and stress later. Book a free call today and take the first confident step towards owning your first home.

Jamie Mielczarek
Gurpreet Mielczarek

The next step

Delaying Could Mean

Missing Out on Your Dream Home

The housing market moves fast — and waiting too long could mean higher rates, tighter lending, or losing out to another buyer. The sooner you get your mortgage sorted, the stronger your position becomes.

Even if you’re just starting to look, getting expert advice now can save you time, money, and stress later. Book a free call today and take the first confident step towards owning your first home.

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