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 5.79%).

We've developed a great range of products for you should you be looking to transfer your mortgage deal.

At the Chelsea, we are committed to offering our existing customers competitive mortgage deals.

Our Mortgage Product Transfer factsheet details all the deals currently available for existing mortgage customers.

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.

YOUR BUY TO LET PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Important Information

• Loan to value (or LTV) means your current mortgage debt compared to the current value of your property. It is expressed as a percentage (e.g. £80,000 debt on a £100,000 property is 80% LTV). If your LTV is greater than a product's maximum LTV, you will not be able to transfer to that product.
• The LTV limits on the existing borrower products only relate to transferring existing debt to a new product. Different LTV limits apply when we consider whether to make new or additional loans. We will not consider additional lending on our Buy to Let products.
• The current value of your property is calculated by reference to our House Price Index (or similar index).

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.

We offer rewards for loyalty

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

Responsible lending is as important as responsible borrowing, so how much you can borrow depends on a number of factors:

• We will assess your ability to repay the loan. We will take into consideration your level of income, your financial commitments and payment record with Chelsea, as well as information received from credit reference agencies.
• A higher lending charge, reflecting the increased risk to Chelsea, is payable if your total loan exceeds a specified percentage of your home's current value. Where a higher lending charge is made, it will vary depending on the product taken.

For more information about any of these, visit your local branch or contact us.