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.
Overwhelmed by paperwork,
jargon, and uncertainty?
You want to make the right decision, but the process can seem confusing and time-consuming.
We don’t want to move, but we’ve outgrown the space.
Whether it’s a growing family, the need for a home office, or just wanting a bit more room — moving feels like a hassle, but staying put doesn’t feel practical either.
We’ve been quoted for the work, but we don’t know the best way to pay for it.
Savings can only go so far, and using loans or credit cards can be expensive. It’s hard to know if remortgaging is a good option — or even where to start.
Remortgaging Isn’t Always Straightforward.
You need to find a lender that will allow you to borrow enough to carry out the work while still offering a competitive mortgage rate.
Dealing with Lenders & Solicitors is Frustrating.
The paperwork, the valuations, the back-and-forth—it all adds extra stress.
Making the Wrong Move Could Cost You More.
Getting the wrong advice — or speaking to someone who just wants to sell a deal — can leave you second-guessing your decisions.
We Make Home Improvement
Mortgages Simple
At Chetwood Lloyd Mortgages, we take the stress out of your Help to Buy repayment. Here’s how we help:
We Find the Best Remortgage Deals.
We're independent, whole-of-market advisors, so will compare lenders to find you the most affordable way to clear your loan.
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 Everything for You.
From paperwork to valuations, we support you in dealing with the admin side, saving you time and hassle.
We’ll help you find the smartest way to fund your plans.
We’ll compare options across the whole market and explain whether remortgaging is the best route — or if something else might suit you better. No pressure, no jargon.
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 Adverse Credit
We make remortgaging for home improvements simple, straightforward, and stress-free — guiding you every step of the way.
Call us, send a message, or book a time that suits you. We’ll listen to your plans — whether you want a new kitchen, extension, or garden makeover — and explain how much you could release from your mortgage.
We compare deals from over 100 lenders to find the right remortgage for your needs, balancing the best rates, terms, and affordability. We’ll present your options clearly in an online meeting, followed by a written summary for you to review.
Once you’re happy, we handle everything — from the application to the lender paperwork and legal steps. We’re here to make sure the process runs smoothly, so you can focus on your exciting home improvement plans.
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
home improvement guide
&
helping hand
Planning to enhance your home? We’re here to make it easier. As your trusted home improvement guide and helping hand, we’ll walk you through your options, help you make smart financial decisions
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
Many of our clients have faced defaults, CCJs, or missed payments before coming to us. That’s why we’ve answered some of the most common questions about adverse credit mortgages, so you can understand your options and take your next step with confidence.
