Chelsea offer a wide range of mortgage products including Offset Accounts, Fixed Rate and Tracker mortgages. Search our range of mortgage products to find the ones that are right for you. Compare different products to narrow your selections even further. Apply online using our paperless, online application. Some of our mortgages have product fees or early repayment charges - details are shown on the individual mortgage product pages. There is also a non-refundable mortgage application fee of £130 on all our mortgages. Other fees and charges may apply.
A clearer way to understand
the potential savings of Offset.
A quick estimate of how
much you could borrow.
See how much a Chelsea
mortgage could cost you.
A quick estimate of how
much you could borrow.
Find out what your
mortgage LTV could be.
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For those who prefer certainty, with protection against fluctuating interest rates. Your interest rate is fixed for 2 years. After that you pay Chelsea Building Society's Standard Variable Rate for the remaining term of your mortgage (currently 5.45%). Chelsea Building Society’s Standard Variable Rate was reduced to 5.45% from 5.65% on 30 November 2014.
When you come to the end of your current mortgage deal, or you want to switch to another product and pay any Early Repayment Charges, we're ready and waiting to help move your existing balance to a new product. All of our special deals for existing customers like you come with no product fee and we have fixed and tracker rates to choose from. Be aware however that Early Repayment Charges and other fees and charges may apply during the fixed/tracker rate period. It's an easy and simple process with no credit search or affordability check.
Depending on your circumstances we may need to speak to you before we can transfer your mortgage. However, where this is not the case, we have an online calculator that allows you to work out how much your new monthly payment would be on any of the transfer products available to you.
Once you have used our online calculator to model your new monthly payment, you can apply for your product transfer online, however by doing this you will not receive any advice from us on whether the mortgage product you choose is suitable for your needs and circumstances.
If you would like to discuss your options you can call us on 0845 166 9301. To receive advice from one of our qualified Mortgage Advisers you can visit your local branch or call us on the number above. Going through our advice process will take approximately 45 minutes.
Why not take a look at our current range of exclusive existing customer deals and see what this could mean for you?
For borrowers whose original mortgage was self certified, a separate range of Self Cert Mortgage Product Transfers is available. We can also now review your Self-Certification status if you are able to provide evidence of your income that meets our lending criteria. If you meet these requirements you could qualify for a product from our existing borrower transfer range instead. Please call us on 0845 166 9301 to find out more.
For borrowers whose original mortgage was Buy to Let, a separate range of Buy to Let Product Transfers is now available up to 75% LTV. If you want to discuss taking one of our exclusive existing borrower Buy to Let products, please call us on 0845 166 9503 to find out more.
This is suitable for you if you:
To use our online calculator you will need to provide a few personal details and answer some security questions.
Before continuing, please read the Initial Disclosure Document carefully.
Alternatively if you already view your mortgage statement online you can log in as usual and the calculator option will appear in the mortgage options menu.
Please note in some circumstances it is not possible for you to use the online calculator and you will need to speak to us if you want to transfer your mortgage.
It's worth taking a moment just to check you meet our standard eligibility criteria:
As long as you meet our eligibility criteria, we'll be happy to present you with a formal product transfer offer. All you need to do is sign the acceptance and send it back to us within 14 days of the offer date.
We'll change you over to your new mortgage deal as soon as we receive your acceptance and your existing mortgage deal ends. At that point, we'll then be in touch to confirm your new payment amount.
If you are still within the early repayment charge (ERC) period for any part of your mortgage (your mortgage statement will tell you this) then charges apply in the event of a Product Transfer. If the ERC period ends within the next 90 days, you can apply for your transfer now but it will not take place until after the ERC period has ended, unless you agree to pay the charge. Any early repayment charges applicable must be paid on completion of the transfer.
If you need extra funds to finance your dreams, why not take out an additional loan on your home to, for example, make improvements?
Once you have a mortgage with us, we may also be able to provide you with additional monies* for a wide variety of purposes.
You may want extra funds to build an extension for your growing family, for a new kitchen or to make repairs or improvements to your home. Our additional loan allows you to use some of the value in your home to help you do the things you want.
Our Additional Loan factsheet details the product currently available for existing mortgage customers.
* Loans are not available on Buy to Let, Self Certification and Prospect mortgages or for timeshare purchase or business purposes.
You've already enjoyed the flexibility of your Chelsea Building Society mortgage and now you may qualify for our exclusive loyalty rewards.
If you have had a continuous relationship with Chelsea Building Society for the last 2 years you may be able to benefit from a lower interest rate on your new Additional Loan, and a 20% discount off home insurance when you take out this loan. These features are designed to reward our loyal customers for remaining with us. To find out more about our loyalty rewards, download our Additional Loan factsheet.
Responsible lending is as important as responsible borrowing, so how much you can borrow depends on a number of factors:
Check your Loan To Value, how much you
could borrow, and how much you might pay.
Chelsea Offset is the smart choice
for savers with a mortgage.
Chelsea Building Society and the Chelsea are trading names of Yorkshire Building Society. Yorkshire Building Society is a member of the Building Societies Association and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Yorkshire Building Society is entered in theFinancial Services Register and its registration number is 106085. Principal Office: Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ.
References to 'YBS Group' or 'Yorkshire Group' refer to Yorkshire Building Society, the trading names under which it operates (Barnsley Building Society, the Barnsley, Chelsea Building Society, the Chelsea, Norwich & Peterborough Building Society, N&P and Egg) and its subsidiary companies.
Buy to Let mortgages are not regulated by the Financial Conduct Authority
This site is intended for UK Residents unless otherwise stated. All communications with us may be monitored/recorded to improve the quality of our service and for your protection and security.
*Charges to 0845 numbers may vary. Prices can be checked with your phone provider. Mobile calls usually cost more. Calls to 0800 numbers from landline phones are free. Mobile providers however may charge.
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