Been Declined For a Mortgage? Don't Worry,? We're Here to Help.
Thousands face the same struggle. But it doesn’t mean the end of the road.
At Chetwood Lloyd Mortgages, we specialise in helping people with adverse credit get approved for mortgages — whether you're buying your first home, moving house, or remortgaging. We keep things simple, search 100+ lenders, and offer clear, fee-free advice to help you move forward with confidence.
Trusted by 1000's of Homeowners.
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About Us
Founded in 2004, Chetwood Lloyd began with a simple goal: to provide excellent, reliable mortgage advice to families and individuals.
Over the years, we’ve grown into a trusted name, helping hundreds of people buy or remortgage their home.
Our Mission
Our mission is to help people secure their homes and futures with confidence, clarity, and care, building a trusted community rooted in lifelong support and shared success.
Our Vision
Our Vision is to simplify mortgages and financial protection, providing honest, independent advice that helps families achieve their goals, protect what matters most, and ensure we’re here to support you for the long term
The Problems People Face with Adverse Credit
Getting a mortgage with poor credit is tough — from rejections to paperwork and hidden fees, it’s easy to feel overwhelmed.
Struggling to Find a Lender Who Will Say Yes
Most high-street banks turn away people with defaults, CCJs, or low credit scores, leaving you unsure where to turn.
Feeling Lost and Overwhelmed
It’s confusing to figure out mortgage options, especially when lenders all seem to speak in jargon or reject you without clear reasons.
Drowning in Paperwork and Processes
From forms to valuations, the mortgage process is stressful, time-consuming, and full of admin headaches when you try to handle it alone.
Long, Uncertain Waiting Times
Many lenders take weeks to give you an answer, leaving you anxiously waiting and unsure whether you’ll be approved.
Worrying About Extra Costs and Fees
Some brokers charge hefty fees, adding to your financial stress when you’re already worried about your credit situation.
Expert Mortgage Solutions for Adverse Credit
Bad credit? No problem. We match you with the right lenders, guide you every step, and handle the process — all at no cost to you.
We Find the Best Mortgages
We're independent, whole-of-market advisors, so we'll compare 100+ Lenders — Including Those That Accept Defaults, CCJs & Low Scores
We Guide You Through Every Step
You don’t have to figure it out alone. We explain your options in plain English and help you make the right choice.
We Handle The Whole Process For You
From paperwork to valuations, we support you in dealing with the administrative side, saving you time and hassle.
Faster Results
Most Decisions Within 24–48 Hours
So You’re Not Left Waiting
Our Advice Is 100% Free
We don’t charge you a penny for our help. Our service is completely fee-free and fully independent.
How It Works
Even with bad credit, we make the process simple and stress-free — guiding you through every step with expert, independent advice.
Get in touch for a confidential chat
Call us, send a message, or book a time that suits you. We’ll listen carefully to your situation — no judgment — and explain what mortgage options are available, whether you have CCJs, defaults, missed payments, or other credit issues.
We search the whole market for solutions
We’ll explore specialist lenders who understand adverse credit and find the best deals for your circumstances. We’ll present everything to you clearly in an online meeting, followed by a written summary you can review in your own time.
We handle the application and paperwork
Once you’re happy, we’ll manage the mortgage application from start to finish, liaising with the lender and solicitors making sure everything runs smoothly. We can also help you plan ahead with protection, a Will, or Power of Attorney if needed.
The Longer You Wait, The Longer The Uncertainty.
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.
Book a Free, no obligation chat today.
Let us find the best way forward for you to re mortgage or buy your next home
From Us
Jamie
Mortgage Advisor
Gurpreet
Paraplanner
Jamie
Mortgage Advisor
Your Questions Has Been Answered
Yes — there are specialist lenders who offer mortgages to people with bad credit, including CCJs, defaults, missed payments, or debt management plans. We’ll help you understand what’s possible based on your situation.
Not always. While rates can be higher with adverse credit, we search the whole market to find the most competitive deal available for your circumstances. We’ll explain all the costs upfront so there are no surprises. Then when your credit improves we can switch you to a mainstream lender with a cheaper interest rate.
It depends on your specific credit history, but generally, the more severe the credit issues, the larger the deposit required — often at least 15–25%. We’ll help you understand what deposit you’ll need and whether you might qualify.
We carry out initial checks without affecting your credit score. Once you’re ready to apply, we’ll guide you carefully through the process to avoid unnecessary credit checks or declines — protecting your credit as much as possible.
Ready to get in touch?
Whether you are buying a home or need to remortgage, we're
here to help you to find the best solution.
Wrexham. LL13 8AH