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.
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:
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
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.
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.
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.
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 Buyer
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.
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
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.
Schedule Your
Appointment
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.
