Helping you find an affordable solution

Chartwell Funding is your trusted partner for all your property finance needs. With access to over 90 different mortgage lenders, we secure over £300m per year in funds for our clients. We also provide a whole of market offering to give advice on buildings and contents insurance and protection against premature death, critical illness and loss of income caused by accident/illness.

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Experts in mortgages

We’re here to find the right solution to meet your needs

At Chartwell Funding, we offer expert mortgage advice tailored to your specific situation. Whether you're a first-time buyer, moving house, looking to remortgage, or need help getting a mortgage with bad credit, our team is here to help.

We have access to over 90 different mortgage lenders, including specialist lenders not available on the high street.

We’ve got over 200 5-star reviews on Trustpilot.

We have a combined in-house experience of over 185 years of delivering outstanding results for our customers.

Experts in insurance

Helping you protect what is most important to you

At Chartwell we provide a whole of market offering to give advice on protection for our clients against premature death, the suffering and survival of a critical illness and loss of income caused by accident/illness, alongside our buildings and contents cover.

We offer advice tailored to your specific life circumstances and goals.

We create bespoke solutions to help you protect what matters most to you.

We only recommend high-quality, 5-star Defaqto rated insurance cover, selected for you from across the entire market.

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See how much you could borrow on a mortgage

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You might be able to borrow roughly £0.00

Which means you could afford a property worth up to £0.00

Your loan to value (LTV) would be 0.00%

These results are based on a typical bank’s lending criteria. This can be affected by many factors such as credit score and employment history. It’s important to speak to a qualified mortgage broker who can advise you of the best option to match your situation and goals.

Our services

Tailored mortgage & protection solutions to suit your needs

At Chartwell Funding, we offer a comprehensive range of property finance and insurance services to meet your specific requirements. Whether you’re buying a new property, remortgaging, looking for buy-to-let options, or specialist lending, we’ve got you covered.

Buying a home

Buying a property is your biggest life expense and so you need experts like us to support you every step of the way.

Remortgaging

You may need to remortgage if your existing mortgage deal is coming to an end or you may be looking to borrow more money on your existing mortgage.

Buying to let

You may be looking to purchase your first investment property, increase your portfolio, borrow more or your existing deal may be coming to an end, if so we have the best solutions for you.

Bridging finance

Temporary finance is so much better than it used to be and so our bespoke service offers fast, flexible, and reliable bridging finance solutions for all your needs.

Bad credit

We understand that life’s challenges can sometimes impact your credit history. That’s why we’re dedicated to providing innovative mortgage solutions designed specifically for those with impaired credit.

Second charge

We are dedicated to helping homeowners like you unlock the potential of your property with flexible and tailored loan solutions. Whether you’re looking to renovate, consolidate debt, or access cash for new opportunities.

Financial protection

Our experts offer tailored mortgage protection plans that can provide support to you and your family; whatever life throws at you.

Home insurance

Your home is more than just a place to live, that’s why we offer robust home insurance solutions designed to safeguard your property, belongings, and provide peace of mind.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is £299.

Arrange a call back

Tell us a bit about what your goals and one of our advisors will be in touch

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In the meantime you can log into your account and get started by telling us a bit more about yourself. This really helps us get a better picture of your circumstances and makes the whole process much faster!

What our customers say

See what real customers have to say about their experiences with the Chartwell Funding team

Read all our testimonials on Trustpilot
5-stars on Trustpilot
Great remortgage experience
Duncan and his team worked extremely hard to ensure we could get the best fixed rate available for our remortgage. We felt that we as clients always came first and that Duncan and Chartwell were constantly scanning the horizon on our behalf. Very happy to recommend them to anyone looking for an expert broker to help them with any sort of mortgage need.

Chris

5-stars on Trustpilot
Great service by Jordan and Daniel
Jordan has been excelent in sorting out our insurance, not only we saved £10 each month, but we got an upgraded plan. Also worth mentioning Daniel, our mortgage advisor. Always proficient in securing the best rates and very patient ensuring that we understand everything.

Mr Gherman

5-stars on Trustpilot
Fantastic service
Fantastic service. Great communication. They made everything clear and simple. Great company - I wouldn’t go anywhere else now!

Joe Thurston

5-stars on Trustpilot
I had a great experience!
I had a great experience with Chartwell Funding, everyone one was so helpful and informative. I always had a lot of questions and everyone happily helped with no bother. A big thank you to Dan and Star who made the process easy for me and always went above and beyond to help me through it. Thank you so much, I really appreciate it.

Cheryl

5-stars on Trustpilot
Amazing experience with Chartwell
Amazing experience with Chartwell, Duncan and the team really helped me secure a good mortgage for my first home. They were all welcoming, quick with replying and even checked up on me after it went through. I can't thank them enough for making it all feel easy!

Jordan

5-stars on Trustpilot
Fantastic and trustworthy company
Fantastic and trustworthy company. Once again Matt and his team guided me through the mortgage process checking in throughout and answering any query with efficiency.

Mrs Murray

Articles

The latest from our blog

Read our latest articles and guides

The Bank of Mum and Dad
Guides

The Bank of Mum and Dad

Research conducted by Mortgage Strategy Magazine shows that one of the top ten lenders in the UK is Bank of Mum and Dad. Ironically, in a large amount of situations Bank of Mum and Dad do not have the liquid cash to lend/gift funds to their children to help them get on the property ladder and have to remortgage their own property to provide the funds.
Mortgages for the Self-Employed
Guides

Mortgages for the Self-Employed

Self-employment is on the rise in the UK as many people feel that being your own boss gives you the opportunity to create and grow a business as a source of primary or secondary income. Historically, obtaining a mortgage has been trickier for self-employed applicants as lenders exercised caution towards entrepreneurial young businesses.
How can I reduce the impact of higher interest rates?
Guides

How can I reduce the impact of higher interest rates?

With the Bank of England base rate at 5.25%, many homeowners needing to remortgage are understandably concerned about the affect higher interest rates will have on their monthly repayments and what they can do to reduce the impact. One way to lower your monthly payments is to extend the length of your mortgage term. Increasing your term by 5 or 10 years will spread the cost over a longer period and make your payments lower. This can provide welcome short-term help with your budgeting, however it does mean paying more interest over the longer term and reverting to your original term is encouraged when your budget allows. Switching some/all of your mortgage to an interest-only basis is a more drastic option and your payments will only cover the monthly interest due on this part and not repay any of the capital. This significantly reduces your monthly outgoings short term, but you will need a strategy of how to repay the mortgage at the end of the term. Investing in a separate repayment plan is one idea, but the most common is selling the mortgaged property and downsizing. Switching to interest only will increase the amount of interest you pay over the term and reverting to a repayment mortgage when your budget allows is recommended. Mortgages today are more flexible than ever and typically come with a free annual overpayment facility. This can be dovetailed with both increasing the term and switching to interest only, as when your finances allow, you can make a lump sum payment off of the loan to reduce your mortgage balance. Even small overpayments add up over time and say you overpay by £100.00 per month on a £150,000.00 mortgage, this could reduce your mortgage term by around 3 years and the amount of interest payable. Utilising overpayments is a good idea but should only be considered when you are 100% sure as recouping the overpayment can be tricky and laborious and is not guaranteed to be given back Consolidating debts (credit cards or loans) into your mortgage can simplify repayments and is typically a good short term answer to help your budgeting. However, you need to consider whether extending the term on your debts is prudent and often increases the total interest payable. Furthermore, if you are securing unsecured loans or credit cards to your property and you fail to make those repayments, you will be at risk of losing your home. In summary, there are a number of options you can potentially utilise to offset some of the impact of higher interest rates when remortgaging. Risks and costs apply with all of the options and we recommend you carefully consider your own financial situation and speak to a qualified adviser to help find one that best suits your needs and circumstances.

Find the perfect mortgage solution

Get in touch with Chartwell today for a free consultation and expert advice to help you find the best solution to your mortgages and insurance needs