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.
Help to Buy Repayments Can
Be Costly and Confusing
Your Help to Buy loan may have seemed like a great deal when you first bought your home, but now the reality is setting in:
Interest Charges Are Rising
After five years, you start paying interest, and it increases every April. The longer you wait, the more expensive it becomes.
Your Repayment Amount Has Changed
Because your loan is based on a percentage of your home’s value, if your property price has risen, so has your repayment amount.
Remortgaging Isn’t Always Straightforward
You need to find a lender that will allow you to borrow enough to repay the loan while still offering a competitive mortgage rate.
Dealing with Homes England Can Be Frustrating
The paperwork, the valuations, the back-and-forth—it all adds extra stress.
Making the Wrong Move Could Cost You More
Whether you repay in full, remortgage, or make partial payments, you need a strategy that ensures you’re not overpaying.
We Make Repaying Your
Help to Buy Loan 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 we'll 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 Homes England Process for You
From paperwork to valuations, we support you in dealing with the administrative side, saving you time and hassle.
We Save You Money
By acting now, you can avoid rising interest charges and secure a more affordable mortgage.
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 repay htb loan
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.
Call us, send a message, or book a time that suits you. We’ll ask a few questions to understand your Help to Buy situation and explain your options clearly — including whether you’re repaying, remortgaging, or selling.
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’ll arrange the remortgage, help with the RICS valuation, deal with the Help to Buy administrators, and handle all the legal paperwork.
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
repay htb loan guide
&
helping hand
Repaying your Help to Buy loan doesn’t have to be stressful. We’ll guide you through every step from understanding your options to finding the best way to remortgage or repay your equity loan.
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
Got a question about repaying your Help to Buy loan? You’re not alone and we’re here to make things clear. Below, you’ll find answers to the most common queries, from understanding the repayment process to knowing what steps to take next. If you don’t see what you’re looking for, our team is always ready to help.
