Your Income Is Your
Most Valuable Asset
Your income pays for everything — from the roof over your head to your weekly food shop. But what would happen if illness or injury meant you couldn’t work?
Income protection provides a monthly replacement income, helping you keep up with:
Mortgage or rent payments.
Household bills and living costs.
Family commitments and future plans.
Jamie
Gurpreet
Jamie Mielczarek
Gurpreet Mielczarek
Jamie
Gurpreet
Meet Jamie And Gurpreet
For Income Protection
We are aware that your family's future, your home, and your way of life are all based on your income. However, illness or injury can happen at any time, and life can be unpredictable. Jamie and Gurpreet are here to ensure that, in the event that your health deteriorates, your financial security does not collapse.
They take the time to understand your situation, your job, your commitments, and what really matters to you because they have years of experience working with clients from all walks of life.
After that, we'll suggest the best plan to guarantee you a consistent income when you need it most. You will receive frank, open advice that is solely focused on your best interests because their advice is totally independent and fee-free.
Why Income Protection
Matters
Statistically, you’re far more likely to be off work due to illness or injury than to pass away during your working years. Yet many people overlook income protection until it’s too late.
With cover in place, you can focus on recovery rather than worrying about how to pay the bills. Without it, even short-term health issues can put your finances under serious strain.
The Value of
Getting Advice
From your first home to planning for the future, we provide independent, fee-free advice that gives you clarity, confidence, and peace of mind.
How long they pay out (benefit term).
Whole-of-market search
The definition of “unable to work.”
Why choose us for
For Income Protection
We make sure you get cover that really works for you
01
Tailored recommendations
We match policies to your job, lifestyle, and commitments.
01
Tailored recommendations
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
Tailored recommendations
We match policies to your job, lifestyle, and commitments.
02
Independent & fee-free
We’re not tied to any insurer, so our advice is 100% unbiased.
02
Independent & fee-free
We’re not tied to any insurer, so our advice is 100% unbiased.
02
Independent & fee-free
We’re not tied to any insurer, so our advice is 100% unbiased.
03
Clear explanations
We’ll cut through the jargon and explain how your cover would work in real life.
03
Clear explanations
Mortgages can be confusing, but we make it simple with advice in plain English.
03
Clear explanations
We’ll cut through the jargon and explain how your cover would work in real life.
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
Gurpreet
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
Gurpreet
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.
What does income protection actually cover?
What does income protection actually cover?
What does income protection actually cover?
How much income will I receive?
How much income will I receive?
How much income will I receive?
How is this different from sick pay from work?
How is this different from sick pay from work?
How is this different from sick pay from work?
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