Remortgaging to Repay Some Debts? We're Here to Help.

Thousands of UK homeowners are facing the challenge of repaying their credit cards and loans. But with rising costs and complex rules, knowing the best way forward isn’t always clear.

At Chetwood Lloyd Mortgages, we simplify the remortgage process and help you choose the most cost-effective way to clear your debts
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Here To Walk You Through the Debt Consolidation Process

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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

Feeling pulled in every direction by credit cards and loans?

We help homeowners combine their debts into one affordable monthly payment — with free, friendly advice and zero pressure

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Juggling multiple debts & not seeing the balances go down

You’re making payments every month, but with interest piling up, it feels like you’re barely making a dent. It’s overwhelming, stressful, and hard to keep track of everything.

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Struggling with high interest rates

Credit cards and personal loans can come with eye-watering interest. Even if you’re managing the minimum payments, the long-term cost can be huge.

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Worrying about missed payments and credit score damage

If things are tight, it’s easy to fall behind. That can impact your credit rating and make future borrowing harder — which only adds to the stress

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Dealing with Mortgage Lenders and Solicitors is Frustrating

The paperwork, the valuations, the back-and-forth—it is a proper pain.

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Not knowing where to turn for help

Many people feel stuck. They’ve heard about remortgaging to consolidate debts but don’t know if it’s right for them, how it works, or who to trust for advice.

We'll Help You Consolidate Your Debts and Get Back On Track

At Chetwood Lloyd Mortgages, we take the stress out of debt consolidation. Here’s how we help:

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We Find the Best Remortgage Deals

We're independent, whole-of-market advisors so will compare lenders to find you the most affordable way to clear your loan.

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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.

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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.

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Turn multiple debts into one affordable monthly payment

We’ll help you explore whether you can remortgage to release enough equity to pay off your other debts — rolling everything into one payment that’s easier to manage.

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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

We make consolidating your debts through remortgaging simple and stress-free — helping you take control of your finances with expert, independent advice.

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Get in touch for a free, confidential chat

Call us, send a message, or book a time that suits you. We’ll listen carefully to your situation — including your current debts, credit cards, and loans — and explain if consolidating them into your mortgage is the right option.

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We find the best remortgage deal for you

We search the whole market to find the most suitable lender and deal, aiming to lower your monthly payments and make your finances more manageable. We’ll present your options clearly in an online meeting and follow up with a written summary.

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We arrange the remortgage and paperwork

Once you’re happy, we handle everything — from the mortgage application to working with the lender and legal team. We’ll keep you informed throughout, so you can focus on enjoying greater peace of mind with your finances.

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The Longer You Wait, the More It Could Cost You

Many homeowners leave it too long. Debt and interest piles up and could end up costing far more than it should. Don't let that be you.

Whether you want to remortgage or explore your options, we’re here to help you make the best financial decision—without the stress.

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    Book a free, no-obligation chat today.

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    Let’s find the best way to repay your debts so you move forward with confidence.

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From Us

Jamie Mortgage Advisor
We’re here to guide you, making the process smooth and stress-free. With our support, you can focus on what truly matters—creating a home, planning for the future, and enjoying life.

Jamie

Mortgage Advisor

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At Chetwood Lloyd, we’re committed to providing expert guidance with a personal touch. Your goals are our priority, and we’re here to make the process clear, straightforward, and stress-free..

Gurpreet

Paraplanner

A Profile Picture of Jamie Mortgage Advisor
Big decisions don’t have to be overwhelming. We’re here to guide you, making the process smooth and stress-free. With our support, you can focus on what truly matters—creating a home, planning for the future, and enjoying life.

Jamie

Mortgage Advisor

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Your Questions Has Been Answered

Can I remortgage to pay off my debts?

Yes — many homeowners remortgage to consolidate debts like credit cards, loans, or overdrafts into one manageable monthly payment. We’ll help you understand if this is the right solution for your situation.

Will consolidating debts into my mortgage save me money?

It can reduce your monthly outgoings by spreading the debt over a longer term at a lower interest rate. However, it’s important to remember you may pay more in total over time. We’ll explain all the pros and cons so you can make an informed decision.

Can I get a debt consolidation mortgage if I have bad credit?

Yes — there are specialist lenders who offer debt consolidation mortgages even if you have adverse credit. We’ll search the market and guide you through the best available options.

How long does the debt consolidation remortgage process take?

Typically, it takes 4–8 weeks, depending on your lender and legal requirements. We’ll handle all the details and keep you updated throughout the process to make things as smooth 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.

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Phone number
Address
Dalton House, 35 Chester Street,
Wrexham. LL13 8AH