5 Stars

On Google / Trust Pilot Reviews

Looking For A Lifetime

Mortgage? We're Here to Help.

Whether you're planning for the future or helping family now, we’ll help you explore your options with confidence.

Simple, straightforward advice from a team you can trust. Discover how a Lifetime Mortgage works – and whether it’s right for your future.

5 Stars

On Google / Trust Pilot Reviews

Looking For A Lifetime

Mortgage? We're Here to Help.

Whether you're planning for the future or helping family now, we’ll help you explore your options with confidence.

Simple, straightforward advice from a team you can trust. Discover how a Lifetime Mortgage works – and whether it’s right for your future.

5 Stars

On Google / Trust Pilot Reviews

Looking For A Lifetime

Mortgage? We're Here to Help.

Whether you're planning for the future or helping family now, we’ll help you explore your options with confidence.

Simple, straightforward advice from a team you can trust. Discover how a Lifetime Mortgage works – and whether it’s right for your future.

man standing near white wall
man standing near white wall
man standing near white wall

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 a 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 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

01

01

01

We Find the Best Lifetime Mortgages

We are whole-of-market advisors, so compare lenders to find you the best solution.

02

02

02

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.

03

03

03

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.

04

04

04

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.

05

05

05

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

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.

Get in touch for a free chat

Fee-Free, Whole-of-Market Advice

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 guide you through your options

Fee-Free, Whole-of-Market Advice

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 take care of everything

Fee-Free, Whole-of-Market Advice

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

lifetime mortgages guide

&

helping hand

We’ll explain everything clearly from how it works to what it means for your long-term plans — ensuring the solution fits your lifestyle and goals.

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

Schedule Your

Appointment

Booking an appointment with us is simple and completely pressure-free. Whether you’re exploring your options, have a few questions, or are ready to take the next step, we’ll guide you through everything clearly and at your own pace.

Our Office Address

Dalton House, 35 Chester St, Wrexham LL13 8AH, United Kingdom

Got Any Questions?

We’ve Got The

Answers

We’re here to make everything clear and easy to understand. From how lifetime mortgages work to what happens to your home or inheritance, we’ll explain it all in plain English, with no jargon and no pressure. Explore some of the most common questions below, and if you’d like to chat through your own situation, our friendly team is just a call away.

Will I still own my home?
Will I still own my home?
Will I still own my home?
Will I have to make monthly repayments?
Will I have to make monthly repayments?
Will I have to make monthly repayments?
Can I still leave something to my family?
Can I still leave something to my family?
Can I still leave something to my family?
What if I change my mind later?
What if I change my mind later?
What if I change my mind later?

The next step

Unlock the Possibilities

in Your Home

Whether you're looking to release cash, repay an existing mortgage, or simply understand how it all works, we’re here to help you make the right decision, calmly, clearly, and without any pressure.

Jamie Mielczarek
Gurpreet Mielczarek

The next step

Unlock the Possibilities

in Your Home

Whether you're looking to release cash, repay an existing mortgage, or simply understand how it all works, we’re here to help you make the right decision, calmly, clearly, and without any pressure.

Jamie Mielczarek

Gurpreet Mielczarek

The next step

Unlock the Possibilities

in Your Home

Whether you're looking to release cash, repay an existing mortgage, or simply understand how it all works, we’re here to help you make the right decision, calmly, clearly, and without any pressure.

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