Your home is more than bricks and mortar — it’s full of memories, and for many people it’s also their biggest financial asset. If you’re over 55, you may be wondering how you can make the most of that value in retirement.
At Chetwood Lloyd Mortgages, we’re fully CeRER-qualified, FCA-regulated, and here to guide you through your options with clarity and care. Our role is simple: to help you unlock possibilities without stress, pressure, or jargon.
Fee-free, independent advice from qualified specialists.
Explore both Lifetime Mortgages and RIO Mortgages.
Clear explanations so you can make confident decisions.
A Lifetime Mortgage lets you release some of the money tied up in your home either as a lump sum or in smaller amounts over time while still keeping full ownership of your property.
No monthly repayments are required (though you can choose to make voluntary payments if you wish).
The loan and any interest are repaid when you pass away or move into long-term care.
When planning for your future, the decisions you make about your property and finances are of real importance and that's when Jamie and Gurpreet step in. Having years of expertise and specialist CeRER status, we're here to guide you through Lifetime Mortgages and RIO Mortgages with clarity care, and understanding.
For many people over 55, a home is more than just a place to live. It’s filled with memories and represents a lifetime of hard work. Jamie and Gurpreet understand this really well, so we will sit down and discuss your plans with you, explain your options in plain English, and assist you in making the best decision for you.
With Chetwood Lloyd, you’ll never pay a fee for advice, and you’ll always get guidance that’s independent and tailored to your situation. Jamie and Gurpreet believe in going beyond the numbers offering warmth, understanding, and confidence at a time in life when peace of mind matters most.
Independent advice, friendly support, and peace of mind with you every step of the way.
We give homeowners access to equity release and later life mortgage options that help them maximize their property's value while preserving their long-term financial stability. This service facilitates well-informed decision-making regarding retirement planning, lifestyle funding, and estate considerations by examining a variety of options available in the later life lending market.
Lifetime mortgages are more than just a way to release money from your home they’re about giving you financial freedom and flexibility in later life.
Improve or adapt their home.
Gift money to children or grandchildren.
Clear existing debts or mortgages.
Boost their retirement income.
Fund big plans such as travel or lifetime experiences.
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.
Independent, fee-free, and always on your side, making mortgages simple, clear, and stress-free.
It can feel like a big step to consider releasing equity later in life, and it's normal to have many questions. We've answered the most frequently asked questions about lifetime mortgages, including how they operate and what they mean for your family and future, so you can make decisions with confidence and clarity.