Buying your first home?
Let Us Guide You Every Step of the Way.
At Chetwood Lloyd Mortgages, we simplify the home buying process helping you from the minute you contact us to the day you get the keys.
Trusted by 1000's of Homeowners.
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%
Excellent Rating on Trustpilot
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+Years
Industry experience
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Satisfied clients
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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
Excited to Buy Your First Home… But Drowning in Decisions?
Choosing the right mortgage, understanding your budget, and dealing with estate agents — it’s a lot to take in without support.
How Much Can I Actually Borrow?
It’s one of the first questions people ask — and the answer isn’t always clear. Different lenders have different rules, and online calculators often give wildly different results. Without expert guidance, it’s hard to know what your real budget is.
I’ve No Idea Where To Start
Buying a home involves more than just picking a property. You’ve got mortgage options, legal processes, credit checks, and timelines to juggle — and no manual to follow. It’s easy to feel overwhelmed and unsure what to do next.
Can I Get a Mortgage With My Credit History?
Many first-time buyers worry about their credit score — whether it’s a missed payment, a student overdraft, or simply never having borrowed before. Not all lenders treat credit history the same, so it's important to get advice before assuming the worst.
What If I Get it Wrong and Overpay?
Choosing the wrong mortgage deal could cost you thousands. But with so many products, rates, and small print to compare, how do you know which one’s right? A fee-free, whole-of-market broker like us avoids costly mistakes.
I’m Worried About Hidden Costs.
It’s not just your deposit — there’s stamp duty (sometimes), solicitor fees, surveys, insurance, and moving costs. Without someone to lay it all out clearly, unexpected expenses can catch you off guard.
We Make Buying Your First Home Less Stressful
At Chetwood Lloyd Mortgages, we take the stress out buying your First Home . Here’s how we help:
Get a Clear, Step-By-Step Plan
You don’t need to figure this out alone. We’ll guide you through every stage of the buying process, from sorting your documents to getting your keys — so you always know what’s coming next
Know Exactly What You Can Afford
We’ll help you work out your true budget — factoring in what lenders will offer you, not just what an online calculator says. No guesswork, no surprises — just clarity from the start.
We Find the Best Mortgage Deals
We're independent, whole-of-market advisors, so we'll compare lenders to find you the most affordable way to clear your loan.
Online Presentations
We offer clear, online presentations where we explain everything in real time. You’ll see exactly how we search the market and why we recommend a particular deal, so you can be confident you're getting the best mortgage for you.
Our Advice Is 100% Free
Like all mortgage advisors, we receive a commission from the lender — but unlike many, we don’t charge you any extra fees.
How It Works
It’s a clear, step-by-step process — and we’re here to guide you through it from start to finish, with no stress and no fees.
Get in touch for a quick chat
Call us, send a message, or book a time that suits you. We’ll call and ask a few questions to understand your situation and begin to put a robust plan together so you are ready to view properties with confidence.
We present your options clearly
We’ll walk you through everything in an online presentation, tailored to your needs. Then we’ll send you a full written summary to look through in your own time. If you’re happy, you just give us the go-ahead.
We handle the mortgage, paperwork, and process
We’ll arrange your mortgage, recommend a solicitor, deal with the lender, and guide you through every step — from your first viewing to getting the keys. No jargon, no chasing, just clear advice and support all the way.
Delaying Could Mean Missing Out on Your Dream Home
The housing market moves fast — and waiting too long could mean higher rates, tighter lending, or losing out to another buyer. The sooner you get your mortgage sorted, the stronger your position becomes.
Even if you’re just starting to look, getting expert advice now can save you time, money, and stress later. Book a free call today and take the first confident step towards owning your first home.
Book a free, no-obligation chat today.
Let’s find the best way for you to buy your first home so you can move forward with confidence.
From Us
Jamie
Mortgage Advisor
Gurpreet
Paraplanner
Jamie
Mortgage Advisor
Your Questions Answered
Most lenders require at least a 5% deposit, some only £5,000 and some with no deposit at all. (Extreme care needs to be taken with those mortgages). We’ll help you understand what’s realistic for your budget and which lenders are best suited to your situation.
Yes, but it can be trickier. Some lenders are more flexible than others when it comes to limited credit history. We know which ones to approach — and we’ll give you tips to boost your chances too.
There are a few extra costs: legal fees, a survey or valuation, possibly stamp duty, and moving costs. We’ll break everything down so there are no surprises — and help you plan for it all.
As early as possible — even before you start viewing properties. Knowing what you can borrow (and what it’ll cost) puts you in a stronger position and avoids delays later.
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