Protecting Your Family, Your
Income, Your Future
Insurance isn’t just about ticking a box or finding the cheapest option. It’s about knowing that if the unexpected happens, you and your loved ones are protected — financially and emotionally.
At Chetwood Lloyd Mortgages, we believe peace of mind is priceless. That’s why we offer clear, fee-free advice to help you choose the right protection for your circumstances, so you can get on with life knowing your family’s future is secure.
Tailored life, critical illness, and income protection.
Independent, fee-free guidance to find the right policy.
Peace of mind that your loved ones are financially secure.
Jamie Mielczarek
Gurpreet Mielczarek
Jamie Mielczarek
Gurpreet Mielczarek
Jamie Mielczarek
Gurpreet Mielczarek
Meet Jamie And Gurpreet
For Protection Insurance
When it comes to protecting your family and your future, the right cover is just as important as the mortgage itself. Meet Jamie and Gurpreet. With many years of experience, a straightforward approach, and a passion for helping families feel secure, we make complex insurance simple and reassuring.
We understand that every family’s needs are different. Whether you want to make sure your mortgage is covered, your income is protected, or your loved ones are financially supported if the worst happens, we’ll listen carefully, explain your options in plain English, and help you choose cover you can rely on.
Not only mortgage brokers, but trusted advisers who put your security first. From life insurance to critical illness and income protection, we’ll make sure your cover truly protects what matters most to you—not just today, but for the long term.
Why choose us for
Life, Critical illness and Income Protection?
Independent advice, friendly support, and peace of mind with you every step of the way.
01
Independent & fee-free
We’re not tied to any insurer, so our advice is always 100% in your best interests. We’ll compare the whole market to find cover that truly protects you — and you’ll never pay us a fee.
01
Independent & fee-free
We’re not tied to any bank, so you’ll always get advice that’s 100% in your best interest. And you’ll never pay us a fee.
01
Independent & fee-free
We’re not tied to any insurer, so our advice is always 100% in your best interests. We’ll compare the whole market to find cover that truly protects you — and you’ll never pay us a fee.
02
Experts in Family Protection
We understand that every household is different. Whether you want to make sure your mortgage is paid off, your income is safeguarded, or your children are supported if the worst happens, we’ll help you put the right cover in place.
02
Experts in Family Protection
We understand that every household is different. Whether you want to make sure your mortgage is paid off, your income is safeguarded, or your children are supported if the worst happens, we’ll help you put the right cover in place.
02
Experts in Family Protection
We understand that every household is different. Whether you want to make sure your mortgage is paid off, your income is safeguarded, or your children are supported if the worst happens, we’ll help you put the right cover in place.
03
Clear, Honest Advice
Insurance can be complex, but it doesn’t need to feel that way. We’ll explain everything in plain English, cut through the jargon, and give you confidence that your family’s future is protected.
03
Clear, Honest Advice
Mortgages can be confusing, but we make it simple with advice in plain English.
03
Clear, Honest Advice
Insurance can be complex, but it doesn’t need to feel that way. We’ll explain everything in plain English, cut through the jargon, and give you confidence that your family’s future is protected.
All Our For
Protection Insurance
At Chetwood Lloyd Mortgages, we do more than just find you a mortgage we provide clear, independent, and fee-free advice across every stage of your property journey, with support tailored to you and your family.
Life
Insurance
Life insurance is there to look after the people you care about most. If you were to pass away, a policy can help your family:
Keep up with mortgage payments.
Cover everyday bills and living costs.
Protect future plans like education or family milestones.
It’s about making sure your loved ones can grieve and heal without the added burden of financial worry.
Life
Insurance
Life insurance is there to look after the people you care about most. If you were to pass away, a policy can help your family:
Keep up with mortgage payments.
Cover everyday bills and living costs.
Protect future plans like education or family milestones.
It’s about making sure your loved ones can grieve and heal without the added burden of financial worry.
Life
Insurance
Life insurance is there to look after the people you care about most. If you were to pass away, a policy can help your family:
Keep up with mortgage payments.
Cover everyday bills and living costs.
Protect future plans like education or family milestones.
It’s about making sure your loved ones can grieve and heal without the added burden of financial worry.
Critical
Illness Coverage
A serious illness like cancer, heart attack, or stroke can change everything in an instant. Critical illness cover provides a tax-free lump sum if you’re diagnosed with a covered condition, giving you the freedom to:
Pay for treatment or recovery.
Adapt your home if needed.
Take time off work without money worries.
It’s financial breathing space when you and your family need it most.
Critical
Illness Coverage
A serious illness like cancer, heart attack, or stroke can change everything in an instant. Critical illness cover provides a tax-free lump sum if you’re diagnosed with a covered condition, giving you the freedom to:
Pay for treatment or recovery.
Adapt your home if needed.
Take time off work without money worries.
It’s financial breathing space when you and your family need it most.
Critical
Illness Coverage
A serious illness like cancer, heart attack, or stroke can change everything in an instant. Critical illness cover provides a tax-free lump sum if you’re diagnosed with a covered condition, giving you the freedom to:
Pay for treatment or recovery.
Adapt your home if needed.
Take time off work without money worries.
It’s financial breathing space when you and your family need it most.
Income
Protection
If illness or injury stops you working, income protection provides regular payments to cover bills, your mortgage, and family needs until you recover.
Mortgage or rent payments.
Household bills and living costs.
Family commitments and future plans.
Income
Protection
If illness or injury stops you working, income protection provides regular payments to cover bills, your mortgage, and family needs until you recover.
Mortgage or rent payments.
Household bills and living costs.
Family commitments and future plans.
Income
Protection
If illness or injury stops you working, income protection provides regular payments to cover bills, your mortgage, and family needs until you recover.
Mortgage or rent payments.
Household bills and living costs.
Family commitments and future plans.
Why Choose
Chetwood Lloyd?
Tailored advice
We take the time to understand your job, lifestyle, and commitments before recommending cover.
Independent & fee-free
We’re not tied to any insurer, and our advice costs you nothing.
Straightforward & supportive
We’ll explain everything in plain English and make sure your cover truly fits your needs.
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
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 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
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
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
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
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
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
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
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
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 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
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
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
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
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
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
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
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
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 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
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
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
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
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
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
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
The next step
Protect What
Matters Most
When it comes to protecting your family, your income, and your future, the cheapest option isn’t always the right one. With our guidance, you’ll get cover that gives you real security — and real peace of mind.
Jamie Mielczarek
Gurpreet Mielczarek
The next step
Protect What
Matters Most
When it comes to protecting your family, your income, and your future, the cheapest option isn’t always the right one. With our guidance, you’ll get cover that gives you real security — and real peace of mind.
Jamie Mielczarek
Gurpreet Mielczarek
The next step
Protect What
Matters Most
When it comes to protecting your family, your income, and your future, the cheapest option isn’t always the right one. With our guidance, you’ll get cover that gives you real security — and real peace of mind.
Jamie Mielczarek
Gurpreet Mielczarek
Got Any Questions?
We’ve Got The
Answers
In order to give you peace of mind that the people and things that are most important are taken care of, we have addressed the most frequently asked questions concerning life insurance, critical illness, and income protection.
Do I really need insurance if I already have savings?
Do I really need insurance if I already have savings?
Do I really need insurance if I already have savings?
What’s the difference between life insurance, critical illness cover, and income protection?
What’s the difference between life insurance, critical illness cover, and income protection?
What’s the difference between life insurance, critical illness cover, and income protection?
How much does protection insurance cost?
How much does protection insurance cost?
How much does protection insurance cost?
Do you charge for your advice?
Do you charge for your advice?
Do you charge for your advice?
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