Chetwood Lloyd Mortgages Ltd

03/11/2026

🛡 We help you choose life cover, critical illness, or income protection that fits your family’s needs, giving peace of mind that your loved ones are financially secure no matter what life brings. ⠀
Safeguard your family’s future with protection that covers what matters most. ⠀

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02/11/2026

🏡 A new First Time Buyer ISA has been announced – but there’s an important catch.

The new account will offer a 25% Government bonus towards a first home, with savers able to put away up to £4,000 a year.

It sounds like good news for future buyers, but the new ISA is not due to launch until April 2029.

So if you’re hoping to buy before then, waiting may not be the best option.

There are already mortgage options available for many first-time buyers with relatively small deposits, and getting advice early can help you understand exactly what is possible.

We’ve broken down:

• How the new First Time Buyer ISA will work
• The 25% Government bonus
• The £450,000 property limit
• What happens to existing Lifetime ISAs
• Why you may not need to wait until 2029

Read the full article here:

https://chetwood-lloyd.co.uk/news-opinion/new-first-time-buyer-isa-what-you-need-to-know

At Chetwood Lloyd Mortgages, we provide independent, fee-free mortgage advice and can help you understand how much you could borrow, what deposit you may need and what your next step should be.

A new First Time Buyer ISA will offer a 25% Government bonus towards a first home. Find out how it works, when it launches and what it means for buyers.

01/11/2026

Buying your first home is exciting, but small mistakes can cost big. 🏡 From skipping mortgage
advice to underestimating fees, We help first-time buyers avoid pitfalls and move
forward prepared, informed, and confident about every decision they make.

28/10/2026

🏠 BUDGET 2026: Could mortgage rates now start to fall?

There may finally be a small glimmer of hope for mortgage borrowers following today’s Autumn Budget.

Government borrowing costs fell immediately after the Chancellor’s announcement, with the 10-year gilt yield dropping from around 5.52% earlier this month to approximately 5.32%.

Why does that matter?

Because gilt yields and swap rates have a major influence on the cost of fixed-rate mortgages.

If markets remain calmer and funding costs continue to fall, lenders could eventually have room to start reducing fixed mortgage rates.

But we’re not there yet.

With the Bank of England’s next interest rate decision also approaching, there is still plenty of uncertainty ahead.

If your mortgage deal is coming to an end, our advice remains simple: don’t wait and try to guess where rates will go.

Get your options reviewed early, secure a deal if appropriate, and we can keep monitoring the market before your new mortgage starts.

👇 Read our full breakdown of what today’s Budget could mean for mortgage rates:

https://chetwood-lloyd.co.uk/news-opinion/budget-gives-mortgage-market-a-glimmer-of-hope-as-gilt-yields-fall

Chetwood Lloyd Mortgages Independent, fee-free mortgage advice.

UK gilt yields fell following the Autumn Budget, raising hopes that mortgage rates could eventually ease. We look at what the Budget means for borrowers.

27/10/2026

Being self-employed shouldn’t make getting a mortgage harder. 💼 We understand variable income and offers tailored advice to match your financial reality. They work with lenders who value flexibility, helping contractors and business owners secure fair, competitive deals. ⠀

Find a mortgage that understands your income and rewards your independence. ⠀

24/10/2026

Great advice shouldn’t come with a price tag. 💬 Chetwood Lloyd offers completely fee-free,
independent mortgage guidance.

23/10/2026

Could buying with a friend be your way onto the property ladder? 🏡 Discover the possibilities—and the pitfalls—in our latest blog:

Could buying with a friend help you onto the property ladder? Explore your options with independent, fee-free mortgage advice from Chetwood Lloyd.

22/10/2026

“Need more room for the dog? 🐶🏡 Whatever your mortgage needs, we’ll do our best to help.”

21/10/2026

🏠 Mortgage costs are rising. What should the Government do in the Budget?

For homeowners approaching the end of a fixed deal, the worry is simple: “How much will my next monthly payment be?”

With next week’s Budget approaching, we would like to see attention given to:

✅ Market confidence — clear, properly funded tax and spending plans.

✅ Household bills — targeted help to ease pressure on family finances.

✅ Existing homeowners — practical support for borrowers struggling with higher repayments.

✅ Housing affordability — sustained investment in homes and the infrastructure communities need.

The Bank of England sets Bank Rate independently, and lenders set their mortgage rates. However, the Government’s decisions can influence the conditions behind borrowing costs.

📖 We explore what the Budget could realistically do in our latest article:
👉 https://chetwood-lloyd.co.uk/news-opinion/mortgage-costs-are-rising.-what-should-the-government-do-in-the-budget

💬 If you could ask the Chancellor for one change to help homeowners and buyers, what would it be?

If your mortgage deal is ending soon, contact Chetwood Lloyd Mortgages for independent, fee-free advice and a review of your options.

Your home may be repossessed if you do not keep up repayments on your mortgage.

What can the Government do in the Budget to ease rising mortgage costs? We explore market confidence, household bills and support for homeowners.

20/10/2026

Equity release lets homeowners aged 55+ unlock the value of their home without selling it. 🏠 We provide honest, regulated advice to help you understand how lifetime mortgages or RIOs work so you can enjoy later life with freedom and financial peace of mind. ⠀

Discover how your home can support your retirement goals safely and responsibly. ⠀
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