Your home may be repossessed if you do not keep up repayments on your mortgage.

Our current range of mortgage products

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 great offset rate, fixed until 31 January 2017
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Offset Calculator

A clearer way to understand
the potential savings of Offset.

Borrowing Calculator

A quick estimate of how
much you could borrow.

Offset Wheel

Squeeze more out
of your savings.

Cost Calculator

See how much a Chelsea
mortgage could cost you.

Borrowing Calculator

A quick estimate of how
much you could borrow.

Loan to Value Calculator

Find out what your
mortgage LTV could be.

Please correct the following errors:

  • Select what type of buyer you are
  • Enter a Property Value
  • Enter a Deposit
  • Enter a Repayment Term
All fields required
Complete the mortgage finder, and we will search for the mortgages that best suit your requirements.
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Mortgage Search Results

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Please complete the mortgage finder form, and we will search for the mortgage products that best suit your requirements.

Mortgage product range

 

Mortgage product range

 

Mortgage Comparison

Select different products to compare

Please complete the mortgage finder form, and we will search for the mortgage products that best suit your requirements. You can then compare up to 3 different products at a time and they will appear here.

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You will be redirected to our mortgage homepage in 5 seconds to see our current range of products.

Back to mortgage home

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.

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Changing Deal

Is your current mortgage deal coming to an end?

When you come to the end of your current mortgage deal, 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. It's an easy and simple process with no credit search or affordability check.

We’ll write to you a few weeks before your current mortgage deal ends. 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.

If it's not the end of your mortgage deal

If your mortgage deal ended some time ago, or you want to switch to another product and pay any early repayment charges, our qualified Mortgage Advisers are here to help. Please either visit your local branch or call us on 0845 166 9301.

Why not take a look at our current range of exclusive existing customer deals and see what this could mean for you?

Mortgage Product Transfer factsheet

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.

Buy to let

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.



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

Online Calculator

This is suitable for you if you:

  • do not need any advice on any of our products.
  • do not need to make any other changes to your mortgage such as making a lump sum payment or amending your term.
  • do not want to transfer part or all of your mortgage if it is an interest only repayment type.
  • do not have a Buy to Let or Self Certified mortgage

To use our online calculator you will need to provide a few personal details and answer some security questions.

Please note: You can only use the calculator once we have written to you about your current deal coming to an end.

Before continuing, please read the Initial Disclosure Document carefully.

Launch Calculator

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.

Extra Information

  • We only offer our own products
  • You can obtain an illustration on any product by calling us on the number above
  • You will not be charged a fee for using our online service

Eligibility

It's worth taking a moment just to check you meet our standard eligibility criteria:

  • There must be no specific conditions on your current mortgage that prevent the balance being moved to a new product
  • Your mortgage account must have less than one month's arrears, up to a maximum amount of 100 at the time of transfer, and there must be no more than one missed payment in the past 12 months
  • If you have a Buy to Let mortgage type your mortgage account must not have had any missed payments in the last 24 months and have less than 100 arrears at time of transfer
  • Your mortgage account must have been open for at least one month
  • The part(s) of your mortgage account being moved to a new mortgage product must have a remaining term of at least the same as the new product
  • The total amount being moved to a new product must be at least 10,000
  • You must pay any early repayment charges on your existing mortgage product, as applicable
  • You must meet all our other normal lending criteria

What happens next?

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.

Additional Lending

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.

Mortgage Calculators

Check your Loan To Value, how much you
could borrow, and how much you might pay.

Choose Chelsea Offset

Chelsea Offset is the smart choice
for savers with a mortgage.

Please note

  • Chelsea Building Society’s Standard Variable Rate was reduced to 5.45% from 5.65% on 30 November 2014.
  • Chelsea Building Society's Standard Variable Rate is set independently of Yorkshire Building Society's Standard Variable Rate. This is because Chelsea Building Society is operated under its own brand and with its own products and services. As a result, Chelsea Building Society's Standard Variable Rate may be different from Yorkshire Building Society's Standard Variable Rate at any time and can vary upwards or downwards from time to time.
  • Our mortgages have limited availability and may be withdrawn at any time.
  • Applications subject to standard lending criteria and all loans subject to status.
  • All our mortgage products are available on a capital and interest (repayment) method only.

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 the Financial 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. Landline calls to 0800 numbers are free. Mobile phone providers may charge.

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.

Get in touch with us:

  • Call us:
    http://www.thechelsea.co.uk/contact/index.html
  • Find a branch:
    http://www.thechelsea.co.uk/contact/branch_finder.html
  • Manage your accounts online:
    http://www.thechelsea.co.uk/security/online_help.html