5 Stars
On Google / Trust Pilot Reviews
Want to repay your HTB Loan?
We're here to help.
Thousands of UK homeowners are facing the challenge of repaying their Help to Buy loans. But with rising costs and complex rules, knowing the best way forward isn’t always clear.
At Chetwood Lloyd Mortgages, we simplify the Remortgage process and help you choose the most cost-effective way to clear your loan.
5 Stars
On Google / Trust Pilot Reviews
Want to repay your
HTB Loan?
We're here to help.
Thousands of UK homeowners are facing the challenge of repaying their Help to Buy loans. But with rising costs and complex rules, knowing the best way forward isn’t always clear.
At Chetwood Lloyd Mortgages, we simplify the Remortgage process and help you choose the most cost-effective way to clear your loan.
5 Stars
On Google / Trust Pilot Reviews
Want to repay your HTB Loan?
We're here to help.
Thousands of UK homeowners are facing the challenge of repaying their Help to Buy loans. But with rising costs and complex rules, knowing the best way forward isn’t always clear.
At Chetwood Lloyd Mortgages, we simplify the Remortgage process and help you choose the most cost-effective way to clear your loan.
Help to Buy Repayment 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:
01
01
01
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.
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 Homes England or HTB Wales 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 Save You Money
By acting now, you can avoid rising interest charges and secure a more affordable mortgage.
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
repaying your help to buy 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.
Get in touch for a quick chat
Get in touch for a quick chat
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.
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 present your options clearly
We present your options clearly
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 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 sort the mortgage, valuation, and legal work
Fee-Free, Whole-of-Market Advice
We’ll arrange the remortgage, help with the RICS valuation, deal with the Help to Buy administrators, and handle all the legal paperwork.
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
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
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
help to buy 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.
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
Book an appointment or send a message
Don’t let uncertainty hold you back any longer. We’ll guide you through your Help to Buy repayment or remortgage with clear, tailored advice — helping you find the right mortgage solution to move forward with confidence.
Send a
message to us
message to us
We will guide you each and every step.
Our Office Address
Our Office Address
Dalton House, 35 Chester St, Wrexham LL13 8AH, United Kingdom
Dalton House, 35 Chester St, Wrexham LL13 8AH, United Kingdom
Got Any Questions?
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.
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.
When do I need to repay my Help to Buy loan?
When do I need to repay my Help to Buy loan?
When do I need to repay my Help to Buy loan?
Do I need a valuation to repay the loan?
Do I need a valuation to repay the loan?
Do I need a valuation to repay the loan?
Can I remortgage to repay the loan?
Can I remortgage to repay the loan?
Can I remortgage to repay the loan?
What if I don’t want to repay it all at once?
What if I don’t want to repay it all at once?
What if I don’t want to repay it all at once?
The next step
The Longer You Wait, the
More It Could Cost You
Many homeowners leave it too late and end up paying far more than they should. Don't let that be you.
Whether you want to remortgage, repay in full, or explore your options, we’re here to help you make the best financial decision—without the stress.
Jamie
Gurpreet
The next step
The Longer You Wait, the
More It Could Cost You
Many homeowners leave it too late and end up paying far more than they should. Don't let that be you.
Whether you want to remortgage, repay in full, or explore your options, we’re here to help you make the best financial decision—without the stress.
Jamie Mielczarek
Gurpreet Mielczarek
The next step
The Longer You Wait, the
More It Could Cost You
Many homeowners leave it too late and end up paying far more than they should. Don't let that be you.
Whether you want to remortgage, repay in full, or explore your options, we’re here to help you make the best financial decision—without the stress.
Jamie
Gurpreet
Chetwood Lloyd Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA) 930774
Our
Company
Our
Services
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
Our
Company
Our
Services
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
Our
Company
Our
Services
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