Thinking About Using a Remortgage to Repay Your Help to Buy Loan?
Let Us Guide You Every Step of the Way.
At Chetwood Lloyd Mortgages, we simplify the remortgage process and help you choose the most cost-effective way to clear your loan.
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
Help to Buy Repayments Can Be Costly and Confusing
Your Help to Buy loan may have seemed like a great deal when you first bought your home, but now the reality is setting in:
Interest Charges Are Rising
After five years, you start paying interest, and it increases every April. The longer you wait, the more expensive it becomes.
Your Repayment Amount Has Changed
Because your loan is based on a percentage of your home’s value, if your property price has risen, so has your repayment amount.
Remortgaging Isn’t Always Straightforward
You need to find a lender that will allow you to borrow enough to repay the loan while still offering a competitive mortgage rate.
Dealing with Homes England Can Be Frustrating
The paperwork, the valuations, the back-and-forth—it all adds extra stress.
Making the Wrong Move Could Cost You More
Whether you repay in full, remortgage, or make partial payments, you need a strategy that ensures you’re not overpaying.
We Make Repaying Your Help to Buy Loan Simple
At Chetwood Lloyd Mortgages, we take the stress out of your Help to Buy repayment. Here’s how we help:
We Find the Best Remortgage Deals
We're independent, whole-of-market advisors, so we'll compare lenders to find you the most affordable way to clear your loan.
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 Homes England Process for You
From paperwork to valuations, we support you in dealing with the administrative side, saving you time and hassle.
We Save You Money
By acting now, you can avoid rising interest charges and secure a more affordable mortgage.
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
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 ask a few questions to understand your Help to Buy situation and explain your options clearly — including whether you’re repaying, remortgaging, or selling.
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 sort the mortgage, valuation, and legal work
We’ll arrange the remortgage, help with the RICS valuation, deal with the Help to Buy administrators, and handle all the legal paperwork.
The Longer You Wait, the More It Could Cost You
Many homeowners leave it too late and end up paying far more than they should. Don't let that be you.
Whether you want to remortgage, repay in full, or explore your options, we’re here to help you make the best financial decision—without the stress.
Book a free, no-obligation chat today.
Let’s find the best way to repay your Help to Buy loan and move forward with confidence.
From Us
Jamie
Mortgage Advisor
Gurpreet
Paraplanner
Jamie
Mortgage Advisor
Your Questions Has Been Answered
You can repay your Help to Buy equity loan at any time, but it must be repaid in full when you sell your home or reach the end of your mortgage term. Many people choose to repay it when remortgaging or after the interest-free period ends in year 6.
Yes — you’ll need a RICS-approved valuation to determine how much your property is worth. This figure is used to calculate how much you owe, since the loan is based on a percentage of your home’s current value, not the original price.
Absolutely. Many people choose to repay the Help to Buy loan using funds from a new mortgage. We’ll search the whole market to find the best deal for you — and take care of the application, paperwork, and legal steps along the way.
You don’t have to — you can repay part of the loan in stages, known as staircasing. The minimum repayment is 10% of your home’s current market value. We’ll guide you through how this works and whether it’s the right option for 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