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 secure a mortgage, but being self-employed makes the process feel confusing and time-consuming.
We’re self-employed, but lenders don’t understand how we earn.
Whether it’s irregular income, dividends, or retained profits, proving affordability isn’t always straightforward—and most lenders make it feel harder than it should be.
We’ve been told we don’t fit the standard criteria.
Some banks only want to see 2–3 years of accounts. Others won’t consider contractors or freelancers at all. It’s tough to know where to turn, or which lenders will look at your situation fairly.
Getting a self-employed mortgage isn’t always straightforward
From SA302s and tax returns to company accounts, every lender seems to want something different. It can feel like a moving target.
Dealing with lenders & solicitors is frustrating.
Endless paperwork, requests for “more proof,” and slow responses can make the process more stressful than it needs to be.
Making the wrong move could cost you more.
Relying on one bank or getting advice from someone who doesn’t understand self-employed mortgages—could leave you with the wrong deal and higher monthly costs.
The Right Mortgage, Made
Simple for the Self-Employed
With expert guidance and access to 100+ lenders, we take the stress out of securing a mortgage when you work for yourself.
We understand self-employed income.
Whether you’re a sole trader, contractor, freelancer, or limited company director, we know how to present your accounts, SA302s, dividends, and retained profits so lenders see your true affordability.
We match you with the right lenders.
With access to 100+ lenders, we’ll focus on those who specialise in self-employed mortgages—so you won’t waste time applying where you don’t fit the criteria.
We make the paperwork simple.
We’ll tell you exactly what documents you need, prepare your case, and handle the back-and-forth so you don’t have to.
We guide you every step of the way.
From the first call to the day you get the keys, we deal with the lenders, valuers, and solicitors—removing the hassle from your shoulders.
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 Self Employed
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 call and ask a few questions to understand your situation and begin to put a robust plan together so you are ready to view properties with confidence.
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 your mortgage, recommend a solicitor, deal with the lender, and guide you through every step — from your first viewing to getting the keys. No jargon, no chasing, just clear advice and support all the way.
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
self employeed guide
&
helping hand
As your trusted self-employed mortgage guide, we understand the unique challenges of proving income and securing the right deal.
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
We know getting a mortgage when you’re self-employed can feel confusing but you’re not alone. Whether you’re a sole trader, contractor, or company director, we’ll help you understand your options, answer your questions clearly, and guide you toward a mortgage that truly fits your situation.
