Thinking About Using a Remortgage to Repay Your Help to Buy Loan?


Let Us Guide You Every Step of the Way.

Thousands of UK homeowners are facing the challenge of repaying their Help to Buy 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 loan.
Book A Call With Us
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Trusted by 1000's of Homeowners.

100

%

Excellent Rating on Trustpilot

25

+Years

Industry experience

1

K

+

Satisfied clients

5

*

Read Our 5* Google Reviews
Young Parents smiling out side thei home holding their baby.
Young family with two children looking back happy at the camera

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:

a red cricle with a black cross indicating the problems

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.

a red cricle with a black cross indicating the problems

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.

a red cricle with a black cross indicating the problems

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.

a red cricle with a black cross indicating the problems

Dealing with Homes England Can Be Frustrating

The paperwork, the valuations, the back-and-forth—it all adds extra stress.

a red cricle with a black cross indicating the problems

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:

a green circles with a back tick indicating the solutions

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.

a green circles with a back tick indicating the solutions

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.

a green circles with a back tick indicating the solutions

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.

a green circles with a back tick indicating the solutions

We Save You Money

By acting now, you can avoid rising interest charges and secure a more affordable mortgage.

a green circles with a back tick indicating the solutions

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.

speech bubble to contact us

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.

a checklist icon

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.

an icon showing balancing scales

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.

a vector line a vector line

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.

  • image of a diary

    Book a free, no-obligation chat today.

  • hands with cards

    Let’s find the best way to repay your Help to Buy loan and move forward with confidence.

A happy family with boxes in their hands moving house
A couple holding up a young baby

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

A profile picture of Gurpreet - Paraplanner
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

Click Left
Click for Right
a vector wavy linea vector wavy line

Your Questions Has Been Answered

When do I need to repay my Help to Buy loan?

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.

Do I need a valuation to repay the loan?

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.

Can I remortgage to repay the loan?

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.

What if I don’t want to repay it all at once?

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.

Shape 04Shape 05
Book A Call With Us
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Phone number
Address
Dalton House, 35 Chester Street,
Wrexham. LL13 8AH