Chartwell review

Updated September 30, 2026 · BorrowCue Editorial Team · Facts checked September 30, 2026

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Our verdict

Chartwell suits borrowers with impaired credit histories who need secured, business or bridging finance arranged through a broker rather than a direct lender. Loans sit at £5,000 to £500,000 with terms at 12 to 72 months and funding at Same day, alongside broker support by phone and email.

Key facts

Best for
Borrowers seeking broker arranged secured, business or bridging finance with rapid payout
Loan amount
£5,000 to £500,000 (Source, checked September 30, 2026)
Term
12 to 72 months (Source, checked September 30, 2026)
Arrangement fee
Broker arrangement fee may apply (Source, checked September 30, 2026)
Credit check
Soft prequal (Source, checked September 30, 2026)
Funding time
Same day (Source, checked September 30, 2026)
Lender type
Broker (Source, checked September 30, 2026)
Loan types
Business, Secured, Bridging (Source, checked September 30, 2026)
Credit needed
Poor (Source, checked September 30, 2026)
Legal entity
Chartwell International Ltd (Source, checked September 30, 2026)
Headquarters
United Kingdom (Source, checked September 30, 2026)
Founded
2008 (Source, checked September 30, 2026)
Support channels
Email, Phone (Source, checked September 30, 2026)
Features
Same-day funding, Credit line
Official website
chartwellinternational.co.uk

Mortgages

Maximum loan to value
90% (Source, checked September 30, 2026)
Purpose
Purchase, First-time-buyer, Buy-to-let (Source, checked September 30, 2026)
Lender type
Broker (Source, checked September 30, 2026)
Legal entity
Chartwell International Ltd (Source, checked September 30, 2026)
Headquarters
United Kingdom (Source, checked September 30, 2026)
Founded
2008 (Source, checked September 30, 2026)
Support channels
Email, Phone (Source, checked September 30, 2026)

Pros and cons

Pros

  • Funding is stated at Same day, which suits borrowers comparing payout speed across brokered secured and business loans.
  • Loans at £5,000 to £500,000 with terms at 12 to 72 months give wide scope for larger secured, business and bridging needs.
  • Initial screening uses soft prequal, allowing early eligibility indication while formal lender checks follow later.
  • Mortgage choice covers varied buyer needs at purchase, first time buyer and buy to let with borrowing at 90%, wider than card limits at up to €1,500.

Cons

  • Broker arrangement fee may apply with costs described as Broker arrangement fee may apply, so total cost depends on the matched lender offer.
  • Chartwell operates as broker, so pricing and approval terms follow the matched lender offer selected for each application.
  • Support runs on email and phone only, without chat or help centre cover for borrowers who prefer those routes.
Chartwell

Ready to try Chartwell?

Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Borrowers with impaired histories seeking brokered secured or bridging options, where screening at soft prequal gives early direction unlike stricter direct lender routes.
  • Property investors and business borrowers needing larger advances at £5,000 to £500,000, where Cashspace at €100 to €5,000 would sit below the required level.
  • Mortgage seekers needing varied purchase routes at purchase, first time buyer and buy to let, where AXI Card Tarjeta y Credito offers card credit rather than property finance.

Who should look elsewhere

  • Borrowers seeking smaller euro denominated advances may prefer Ibancar Prestamos because its range at €600 to €8,000 sits below Chartwell loans at £5,000 to £500,000.
  • Borrowers seeking card based revolving credit may prefer AXI Card Tarjeta y Credito because its structure differs from broker arranged term finance.

Application and funding speed

Chartwell states funding availability at Same day, a point that carries weight for borrowers comparing brokered secured, business and bridging offers where valuation and legal stages can extend timelines. The headline loan range sits at £5,000 to £500,000, giving scope for substantial advances secured against property or business assets as well as mid sized borrowing needs. Repayment choice sits at 12 to 72 months, allowing structures that spread larger balances over extended schedules or keep obligations shorter where affordability allows. Together, funding at Same day, balances at £5,000 to £500,000 and durations at 12 to 72 months shape the core trade off between speed, advance size and monthly commitment. Borrowers should align the advance at £5,000 to £500,000 with the term at 12 to 72 months, since longer schedules lower monthly outlay while raising total interest, and shorter schedules do the reverse. Payout at Same day remains subject to lender underwriting, security valuation and document completeness, so early preparation of income evidence and property details helps keep the stated timeline realistic.

Who regulates the lender

Chartwell acts in the market as a broker, described as broker, rather than as a lender advancing funds from its own balance sheet. That distinction matters because credit decisions, pricing and contractual terms are set by the third party lender selected for each application, while Chartwell arranges the introduction and supports the enquiry. Oversight for such broking activity in its home market falls under the Financial Conduct Authority, which sets standards around advice, disclosure and fair treatment where regulated credit is involved. Borrowers should read lender documents with care, compare annual rates, fees and security requirements, and confirm which firm is the lender of record before signing. The broker position at broker can widen access to varied secured, business and bridging lenders, though it also means outcomes differ across providers and individual credit agreements govern rights, costs and repayment duties.

How your money is protected

Because Chartwell operates at broker, protection does not work in the manner associated with deposit taking institutions that hold client balances directly. Funds are provided by the matched third party lender under that lender contract, and Chartwell does not act as custodian of savings or as guarantor of lender performance. Borrowers should therefore focus safety checks on the lender of record, the clarity of the credit agreement, the treatment of security and the stated process for arrears, complaints and early settlement. Written offers, fee schedules and valuation reports deserve careful review, alongside confirmation of the firms involved and their regulatory status. Viewed through the broker model at broker, safety rests on transparent lender disclosure, accurate affordability assessment and enforceable contractual terms rather than on balance protection linked to deposits.

The company behind it

The business trades as Chartwell International Ltd, providing a clear corporate identity for agreements, correspondence and complaints. Its home base is recorded at GB, placing its primary operations within the domestic legal and supervisory framework that applies to credit broking and mortgage related activity. Incorporation is recorded at 2008, indicating a long standing presence through varied credit cycles rather than a newly formed intermediary. Day to day contact is handled through email and phone, giving borrowers voice contact for urgent progress queries and written contact for evidence, valuations and formal records. Borrowers may wish to keep copies of advice, illustrations and agreements issued under Chartwell International Ltd, note response times across email and phone, and confirm opening hours before relying on phone contact for time sensitive completion steps linked to property or business funding.

How Chartwell compares

Where Chartwell is available

Licence in United Kingdom
Financial Conduct Authority, checked September 30, 2026

Frequently asked questions

How much can be borrowed from Chartwell and over what period?+

Chartwell arranges loans at £5,000 to £500,000 with terms at 12 to 72 months. The exact advance, repayment period and pricing depend on the lender matched to the application, the security offered and affordability checks.

What fees and charges apply to Chartwell arranged loans?+

A broker arrangement fee may apply, described as Broker arrangement fee may apply. Interest, valuation charges and lender fees vary by matched offer, so borrowers should compare the full repayment total and read the credit agreement before signing.

How quickly does funding arrive after approval?+

Funding is stated as Same day. Timelines can still vary with valuation, legal work, lender underwriting and the speed of document return, while bridging and secured cases often take longer than unsecured payouts.

Is Chartwell a direct lender or a broker?+

Chartwell operates as a broker at broker, so it sources offers from third party lenders rather than lending from its own balance sheet. Final decisions, rates and contracts are set by the selected lender.

Can borrowers with poor credit histories apply?+

Applications accept impaired histories, with credit sought at poor and initial screening through soft prequal. Lenders still assess affordability and security, so acceptance and pricing reflect risk, income stability and collateral value.

What mortgage purposes does Chartwell support?+

Mortgage options cover purchase, market entry and rental investment needs at purchase, first time buyer and buy to let, with maximum borrowing at 90%. Eligibility, deposit size and pricing depend on property value, income evidence and the lender selected for the case.

Who operates Chartwell and how can borrowers get help?+

The business trades as Chartwell International Ltd and support is available through email and phone. Borrowers can use phone contact for time sensitive queries and email for documents, valuations and application updates.

Sources

Compiled from 6 source pages, checked September 30, 2026. We did not open an account.

Not confirmed yet: APR, Representative example.

Chartwell

Chartwell

Borrowers seeking broker arranged secured, business or bridging finance with rapid payout

8.9/10See alternatives

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