Chelsea Building Society

Chelsea Building Society

Chelsea Building Society has been established 125 years and is still a mutual organisation (owned by its members rather than shareholders). It has assets of over £13 billion and is the UK's fifth largest building society.

Its 34 branches are all in the south of England, but it offers mortgages across the whole of the UK.  Types of Chelsea mortgage include:

  • Fixed Rate and Tracker mortgages (from 5.95%)
  • Cashback mortgages (up to 6% cash back)
  • Adverse Credit mortgages (light adverse up to 65% LTV)

To get help and advice on Chelsea mortgages – and other UK lenders too, for comparison – use the form on the right to speak to an adviser today.

Chelsea Mortgage Deals

Chelsea's best introductory rates are available on fixed rate mortgages (& remortgages) up to 75%.  It offers a 5.95% fixed rate until the end of 2010, with a 1.5% fee.

There's also a 5-year fixed rate mortgage with no product fees.  This has a 6.59% interest rate.

It was one of the last lenders still to offer Loan-To-Value ratios of 95% on its mortgages.  It has now reduced this to 90%  This is available on their standard variable rate of 7.24%, with no arrangement fees.

Cashback mortgages are a Chelsea speciality. Either 4% or 6% cashback lump sum is available – the trade-off being 5-year fixed rates of either 7.69% or 7.44%.

Overall, Chelsea's range includes 15 different residential mortgage deals, with a wide range of different rates and conditions.To get help selecting the right deal, speak to an impartial adviser.

Remortgages & Self-Certification

All of Chelsea's mortgage packages are available as remortgages too.  Six of them are offered with no product fees.  Chelsea also offers a Self Certification remortgage through its subsidiaries, BCS.

Choosing a Chelsea Mortgage

With so many options available to you, we suggest that the best way to find out if Chelsea Building Society (or any other mortgage/lender for that matter) is right for you is to talk to an FSA-qualified mortgage adviser.

They can help you compare Chelsea Building Society mortgages with other lenders, and can give you qualified recommendations, with no obligation. In a study earlier this year, the average saving for people using an adviser was £962.

Use the 1-minute online enquiry form to get a free call back with a market-wide comparisons, quotes and advice.

Step 1 of 3 About your mortgage


 
 
 
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Step 2 of 3 About your mortgage

 

 
 
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Step 3 of 3 Your details
 
 
 
 
 
 
 
 
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Mortgage Matron

Using the enquiry form above you'll get a call back from a fully qualified adviser. It's free and no obligation.

They can give you quotes and comparisons from just about every lender. (Or you can call 0845 803 5502 to do this by phone)

Abbey Alliance & Leicester Bank of Ireland Bank of Scotland Barclays Bradford & Bingley Bristol & West Britannia Building Society Chelsea Building Society Cheltenham & Gloucester Co-operative Bank GMAC RFC Halifax HSBC Lloyds TSB Mortgage Express Nationwide NatWest Royal Bank of Scotland West Bromwich Woolwich Abbey Alliance & Leicester Bank of Ireland Bank of Scotland Barclays Bradford & Bingley

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT

Our service is free to you but to operate this service we receive fees from the lenders or brokers we refer you to.There may be a fee for mortgage advice. The adviser is obliged to disclose to you the fee before providing the advice and the precise amount will depend upon your circumstances. We estimate that a typical fee will be 1% of the sum you borrow.