Remortgaging
Made Simple
Remortgaging doesn’t need to be stressful or complicated. Whether your current deal is ending, you want to free up cash, or you’re just checking if you could save money — we’re here to make it easy.
At Chetwood Lloyd Mortgages, our fee-free, independent advisors search the whole market to find the right deal for you, handling all the paperwork along the way.
Find the best deal when your current rate ends.
Release equity for home improvements or big plans.
Consolidate debts into one affordable payment.
Jamie Mielczarek
Gurpreet Mielczarek
Jamie Mielczarek
Gurpreet Mielczarek
Jamie Mielczarek
Gurpreet Mielczarek
Meet Jamie And Gurpreet
For Remortgaging
Re mortgaging can be complicated, but we make it simpleo. Having years of experience and a background of turning complicated into simple, we will take the time to sit down with you, listen to your plans, and walk you into the remortgage deal that is ideally suited to your lifestyle.
Maybe your fixed rate is expiring, and you do not wish to spend more than you need to. Maybe you're looking at a kitchen extension, loft conversion, or home improvement and would like to unlock some equity to assist in funding your project. Or perhaps you wish to combine multiple loans and credit cards into one affordable monthly payment. Whatever the reason, Jamie and Gurpreet will guide you through the process step by step.
Remortgaging is more than switching your mortgage offer — it's taking control of your money and unlocking possibilities. With Jamie and Gurpreet on your team, you'll have the clear guidance and expert advice you require to make the right choice for you and your family.
Why choose us for
remortgaging?
Independent advice, friendly support, and peace of mind with you every step of the way.
01
Save money on your mortgage
If your current rate is about to end, or you’re on a standard variable rate, you could be paying more than you need to. By switching to a better deal, you could cut your monthly payments and save thousands over the life of your mortgage.
01
Save money on your mortgage
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
Save money on your mortgage
If your current rate is about to end, or you’re on a standard variable rate, you could be paying more than you need to. By switching to a better deal, you could cut your monthly payments and save thousands over the life of your mortgage.
03
Consolidate debts
If you’re juggling loans or credit cards, remortgaging can bring them together into one affordable monthly payment, often at a lower rate.
03
Consolidate debts
Mortgages can be confusing, but we make it simple with advice in plain English.
03
Consolidate debts
If you’re juggling loans or credit cards, remortgaging can bring them together into one affordable monthly payment, often at a lower rate.
02
Fund home improvements
Need a new kitchen, loft conversion, or extension? Remortgaging can release equity from your home so you can invest in making it even better.
02
Fund home improvements
Need a new kitchen, loft conversion, or extension? Remortgaging can release equity from your home so you can invest in making it even better.
02
Fund home improvements
Need a new kitchen, loft conversion, or extension? Remortgaging can release equity from your home so you can invest in making it even better.
04
Repay your Help to Buy loan
If you bought with a Help to Buy equity loan, remortgaging can help you pay it back and own more of your home outright — before the interest kicks in.
04
Repay your Help to Buy loan
Mortgages can be confusing, but we make it simple with advice in plain English.
04
Repay your Help to Buy loan
If you bought with a Help to Buy equity loan, remortgaging can help you pay it back and own more of your home outright — before the interest kicks in.
With you every
step of the way
Remortgaging can be a big decision — but with the right advice, it can also be one of the smartest. Our friendly team is here to guide you through the process, answer your questions, and give you confidence that you’re making the right move.
Ready to see how much you could save?
How we
make it easy
Buying a home isn’t just about securing a loan — there’s a lot to think about. That’s why we go further:
Whole-of-market search
We compare 100+ lenders to find the right deal for you.
Plain-English advice
We’ll explain your options clearly so you know exactly what you’re getting.
End-to-end support
From forms and valuations to liaising with lenders and solicitors, we take care of the details.
Fee-free service
You won’t pay us a penny for our advice.
What Our Customer
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
Your trusted
remortgaging guide
&
helping hand
Independent, fee-free, and always on your side — making mortgages simple, clear, and stress-free.
Truly Independent
Truly Independent
Truly Independent
Always Fee-Free
Always Fee-Free
Always Fee-Free
Clear, Honest Advice
Clear, Honest Advice
Clear, Honest Advice
Friendly & Approachable
Friendly & Approachable
Friendly & Approachable
Support Beyond the Mortgage
Support Beyond the Mortgage
Support Beyond the Mortgage
With You Every Step
With You Every Step
With You Every Step
The next step
Financial Clarity
for Life’s Big
Decisions
With clear, honest, and truly independent advice, we’ll guide you through every step. Making mortgages simple and stress-free.
Jamie Mielczarek
Gurpreet Mielczarek
The next step
Financial Clarity
for Life’s Big
Decisions
With clear, honest, and truly independent advice, we’ll guide you through every step. Making mortgages simple and stress-free.
Jamie Mielczarek
Gurpreet Mielczarek
The next step
Financial Clarity
for Life’s Big
Decisions
With clear, honest, and truly independent advice, we’ll guide you through every step. Making mortgages simple and stress-free.
Jamie Mielczarek
Gurpreet Mielczarek
Got Any Questions?
We’ve Got The
Answers
Buying a home, remortgaging, or considering equity release? We know it can feel overwhelming. That’s why we’ve answered the questions our clients ask most—so you can move forward with clarity and confidence.
When should I start looking at remortgaging?
When should I start looking at remortgaging?
When should I start looking at remortgaging?
Can I remortgage if I have credit issues or debts?
Can I remortgage if I have credit issues or debts?
Can I remortgage if I have credit issues or debts?
Does remortgaging cost me anything?
Does remortgaging cost me anything?
Does remortgaging cost me anything?
Can I release equity from my home through remortgaging?
Can I release equity from my home through remortgaging?
Can I release equity from my home through remortgaging?
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