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Chartwell Funding

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Chartwell Funding

Truly independent, whole of market mortgage & protection brokerage. National coverage 7 days a week

An independent mortgage and protection brokerage based in Yate, near Bristol.

03/09/2026

🚨 Mortgage rates could be heading higher

UK government borrowing costs have risen to their highest levels since the 2008 financial crisis, with 10-year gilt yields around 5.25% and 30-year yields approaching 5.9%.
Experts are warning that this could soon feed through to higher mainstream mortgage rates and we have already seen some specialist lenders increasing their pricing

If you're planning to buy, remortgage or refinance, now could be a good time to review your options and reserve a rate – Just in case!
It doesn't mean you should rush in to anything, but being prepared will give you more choices.

🏠 Thinking about your next move? Get in touch and let's discuss your options.

Source: Sky News. Market conditions can change.

‘Your home or property may be repossessed if you do not keep up repayments on your mortgage’

01/09/2026

Just two weeks to go until the Mortgage Strategy Specialist Lending Awards! 🏆

We’re incredibly grateful to have been nominated for an award in the Best Specialist Broker category, and it’s a real privilege to be recognised alongside so many fantastic businesses and individuals across the industry.

We’re looking forward to seeing everyone on the night and celebrating the achievements of the specialist lending community.

Fingers firmly crossed! 🤞
See you all there! 🥂

25/08/2026

🏃‍♀️🏃‍♂️ Less than 6 weeks to go! 🏃‍♂️🏃‍♀️

The countdown to the Cardiff Half Marathon is well and truly ON! ⏰🔥
Team Chartwell (Emily, Harry, Morgan and James) are putting in the miles, training hard and getting ready for the big day to raise vital funds for Cots for Tots. ❤️
Every donation helps motivate the team to do that training run and brings us one step closer to our financial goal and help make a real difference to babies and families when they need it most.

Want to support Team Chartwell? 🙌
Every donation (big or small)means so much to us and motivates us to go above to smash our fundraising target.

👉 Donate here: https://www.justgiving.com/page/chartwell-funding-ltd-2?newPage=true

The finish line is getting closer… let’s do this! 💪🔥

20/08/2026

🏠 Why are UK homeowners turning to second charge mortgages in 2026? 📈

The second-charge market continues to grow, with £2.237bn of new business recorded in the 12 months to February 2026, up 25% year-on-year.

So, what’s driving demand? 👇
🔒 Keeping existing mortgages: Homeowners can raise additional funds without replacing their current mortgage.
💰 Debt consolidation: Consolidating existing borrowing to reduce monthly expenditure remains a major use of second-charge mortgages.
🛠️ Home improvements: More homeowners are using property equity to fund renovations and extensions rather than moving.
⬆️Evolution, new lenders with better technology have entered the market and make it a slick competitive option

📊 The bottom line: Second charges provide options for homeowners looking to access equity – whatever the circumstances!

Considering one? On of our independent mortgage advisers can help you understand what may be suitable for your circumstances.

‘Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage”

17/08/2026

📉 Are mortgage rates finally heading in the right direction?

After more than a month of increases, average UK mortgage rates have fallen - according to Moneyfacts.

It’s a small but welcome shift for borrowers after a period of significant market volatility. With rates changing quickly, the key question is whether this marks the start of a sustained downward trend or is simply a temporary reprieve.

For anyone considering a purchase or remortgage, now is a good time to review your options and understand what’s available.

💡 The mortgage market moves fast and so using us to keep an eye on rates for you could make a great difference to your borrowing costs.

‘Your home or property may be repossessed if you do not keep up repayments on your mortgage’

Source: Mortgage Strategy

14/08/2026

Twenty weeks from today, Chartwell Funding turns 20 years old! 🎉

That means our story began back in 2007... and what a year that was.

📱 Apple introduced the very first iPhone, changing the way we live forever.
📺 Gavin & Stacey made its TV debut and quickly became a British favourite.
⚽ Manchester United reclaimed the Premier League title.
📚 Harry Potter fans queued around the world as the final book was released, selling an incredible 11 million copies in its first 24 hours.
🍺 The average pint cost just £2.64.

For us, though, 2007 marked the beginning of an incredible journey. We launched with a simple goal: helping people achieve their homeownership dreams with honest, expert mortgage advice.

Not long after, the global financial and mortgage crisis changed the industry forever. It was one of the toughest periods the market has ever seen, bringing uncertainty for homeowners, buyers and businesses alike.

But we adapted. We stayed true to our values, supported our clients through challenging times, and continued to grow by putting people first. Those years shaped who we are today and taught us the importance of resilience, trust and always being there when our clients need us most.

Now, almost 20 years later, we're proud to have helped thousands of people move home, remortgage and secure their future.

Over the next 20 weeks, we'll be taking a trip down memory lane, looking back at the moments that shaped our business, celebrating our amazing clients, employees and partners, and sharing some of our favourite memories along the way.

Here's to where it all began in 2007... and to the next chapter. 🏡❤️

10/08/2026

🚫 Second Charge Mortgage Myths – Busted! 🏡

There are plenty of misconceptions about second charge mortgages. Let's clear up a few of the most common ones...

❌ Myth: You have to remortgage your home.
✅ Fact: A second charge mortgage allows you to keep your existing mortgage while borrowing against the equity in your property.
❌ Myth: They're only for people with bad credit.
✅ Fact: Second charge mortgages can be a suitable option for many homeowners, depending on their circumstances and financial goals.
❌ Myth: They're always more expensive than remortgaging.
✅ Fact: Whilst the interest rates are higher on second charge loans, in most cases a second charge loan can be more cost-effective than replacing your current mortgage, especially if you're tied into a competitive rate, face early repayment charges or risk losing interest only terms.

Every homeowner's situation is different, so it's important to get advice on the options available.

‘Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage”

06/08/2026

🚪 Need extra funds but don't want to remortgage your entire mortgage?

A second charge mortgage could be the solution. Whether you're planning home improvements, consolidating debt, or funding a major expense, it allows you to borrow against the equity in your home while keeping your existing mortgage in place.
Our latest blog explains:
✔️ What a second charge mortgage is
✔️ How it works
✔️ The key benefits
✔️ Whether it could be the right option for you

Read the full blog here: www.chartwellfunding.co.uk/blog-posts/second-charge-mortgages-when-can-they-help

‘Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage’

03/08/2026

It's Second Charge Month here at Chartwell Funding! 📣

Throughout August we will be shining a spotlight on second charge mortgages, what they are, how they work, and who they benefit.

Whether you're looking to fund home improvements or consolidate debt without changing your existing mortgage, a second charge mortgage is worth exploring.

Follow us this month as we answer your questions, bust common myths, and explain everything you need to know in straightforward terms.

Got a question about second charge mortgages? Drop it in the comments or get in touch with one of our specialist advisers, we're here to help.

‘Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage’

30/07/2026

👀 In Case You Missed It…

It's been a busy couple of months, and we're proud to share some of our recent highlights! 🎉

🏡 June Blog: We explored how auction bridging finance can help buyers move quickly and confidently when purchasing at auction - click the link to read more https://www.chartwellfunding.co.uk/blog-posts/case-study---going-once-going-twice-funded-an-auction-purchase-case-study
🏏 Giving Back: Our fundraising so far has already raised over £6,000 for Cots for Tots, a huge thank you to everyone who took part and supported such a fantastic cause. ❤️
⭐ A Milestone Worth Celebrating: We've reached 600 client reviews with an incredible 4.9⭐ average rating.
🏆 Award Recognition: We were delighted to be announced as a finalist in the Mortgage Strategy Specialist Lending Awards for Best Specialist Broker.

A big thank you to our clients, introducers, partners and supporters, we couldn't achieve these milestones without you. Here's to the rest of the year! 🚀

Address

5 Badminton Court, Station Road
Yate
BS375HZ

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 5:30pm

Telephone

+441454540500

Website

http://www.chartwellfunding.co.uk/

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