Looking For A Lifetime Mortgage? We're Here to Help.
Simple, straightforward advice from a team you can trust. Discover how a Lifetime Mortgage works – and whether it’s right for your future.
Trusted by 1000's of Homeowners.
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%
Excellent Rating On Trustpilot
25
+Years
Industry experience
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K
+
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
Is a Lifetime Mortgage Right for You? Let’s Talk About the Common Concerns
It’s natural to have questions or worries. Here are some of the most common problems we hear from our clients:
I’m worried I’ll lose ownership of my home
A lot of people assume equity release means giving up control – but with a Lifetime Mortgage, your home stays 100% yours.
I don’t want to leave my family with debt.
It’s important to protect your loved ones. We’ll help you understand how Lifetime Mortgages work, including inheritance protection and no negative equity guarantees
I’m not sure if I’ll still be able to move house in future
Flexibility matters. Many Lifetime Mortgage products now allow you to move home or repay early without penalties under certain conditions.
I don’t know how it will affect my benefits
Releasing equity can affect means-tested benefits – but we’ll guide you through what it means for your situation, so there are no surprises.
It all sounds too complicated.
You're not alone. We make everything easy to understand and take the time to explain your options in plain English – with no pressure at all.
We Make Lifetime Mortgages Simple
Making financial decisions later in life can feel daunting. Here’s how we help you feel confident every step of the way
We Find the Best Lifetime Mortgages
We are whole-of-market advisors, so compare lenders to find you the best solution.
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.
We Help You Plan for the Future
From inheritance protection to flexible repayment options, we’ll help you choose a product that fits your long-term goals and your family's needs.
Our Advice Is 100% Free
Like other advisors, we’re paid a commission by the lender – but unlike many, we don’t charge you any additional fees.
How It Works
We make it a clear, stress-free process — and we’re with you every step of the way to explain, guide, and take care of everything.
Get in touch for a free chat
Call us, send a message, or book a time that suits you — there’s no pressure or obligation. We’ll ask a few simple questions to understand your situation and explain how a lifetime mortgage could work for you.
We guide you through your options
We’ll go through everything in a clear, online presentation — tailored to your needs. Afterwards, we’ll send a full written summary for you to read at your leisure or share with family. If you're happy to go ahead, you simply instruct us to proceed.
We take care of everything
We’ll arrange the mortgage with the lender, handle all the legal work, and can also help you set up a Will or Power of Attorney if needed. We’ll keep you informed every step of the way — it’s all part of our fee-free, fully independent service.
Unlock the Possibilities in Your Home – Start with a Free Chat
Whether you're looking to release cash, repay an existing mortgage, or simply understand how it all works, we’re here to help you make the right decision—calmly, clearly, and without any pressure.
Book a free, no-obligation chat today.
Let’s us find the best Lifetime Mortgage so you can move forward with confidence.
From Us
Jamie
Mortgage Advisor
Gurpreet
Paraplanner
Jamie
Mortgage Advisor
Your Questions Has Been Answered
Yes, absolutely. With a lifetime mortgage, you remain the full legal owner of your home. The loan is secured against your property, but you continue living in it for as long as you choose — for life or until you move into long-term care.
No, not unless you want to. Most lifetime mortgages don’t require monthly repayments — the interest is added to the loan and paid off when the house is sold later on. However, if you'd prefer to make voluntary payments to reduce the interest, we can arrange a plan that allows that.
Yes, you can. Many lifetime mortgages come with inheritance protection options, allowing you to ring-fence a portion of your home’s value for your loved ones. We’ll help you explore all the options and decide what’s right for your family.
You’re under no obligation to go ahead. Even after our advice and recommendation, the final decision is always yours. And if you choose not to proceed — that’s completely fine. We’re here to guide you, not to pressure you.
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