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Chelsea Building Society

Chelsea offers a number of different products and services, both via its branches and direct to the general public.

Compare mortgages

Reason for mortgage
£
£
years
How would you like to repay?
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Fixed 31/01/2019
Initial rate
1.17%then 4.9% (variable)
Fees
£2,185fees
Overall cost
4.3%APRC
Monthly cost
£615.39 for 24 months then £900.12 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Up to 65.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £265,386 includes: Loan amount (£160,000); Interest (£103,201); Booking fee (£130); Application fee (£1,695); Valuation fee (£270); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/01/2019
Initial rate
1.29%then 4.9% (variable)
Fees
£2,185fees
Overall cost
4.3%APRC
Monthly cost
£624.23 for 24 months then £901.09 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Up to 65.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £265,867 includes: Loan amount (£160,000); Interest (£103,682); Booking fee (£130); Application fee (£1,695); Valuation fee (£270); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/01/2019
Initial rate
1.29%then 4.9% (variable)
Fees
£2,185fees
Overall cost
4.3%APRC
Monthly cost
£624.23 for 24 months then £901.09 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Up to 75.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £265,867 includes: Loan amount (£160,000); Interest (£103,682); Booking fee (£130); Application fee (£1,695); Valuation fee (£270); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/01/2019
Initial rate
1.39%then 4.9% (variable)
Fees
£2,185fees
Overall cost
4.4%APRC
Monthly cost
£631.66 for 24 months then £901.89 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Up to 75.0% loan-to-value (LTV) available.
  • Eligible for home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £266,268 includes: Loan amount (£160,000); Interest (£104,083); Booking fee (£130); Application fee (£1,695); Valuation fee (£270); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/01/2019
Initial rate
1.45%then 4.9% (variable)
Fees
£2,185fees
Overall cost
4.4%APRC
Monthly cost
£636.15 for 24 months then £902.37 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Up to 85.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £266,508 includes: Loan amount (£160,000); Interest (£104,323); Booking fee (£130); Application fee (£1,695); Valuation fee (£270); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/03/2019
Initial rate
1.49%then 4.9% (variable)
Fees
£1,355fees
Overall cost
4.4%APRC
Monthly cost
£639.15 for 24 months then £902.69 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 65.0% loan-to-value (LTV) available.
  • Eligible for home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £265,837 includes: Loan amount (£160,000); Interest (£104,482); Application fee (£995); Valuation fee (£270); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/01/2020
Initial rate
1.54%then 4.9% (variable)
Fees
£1,485fees
Overall cost
4.1%APRC
Monthly cost
£642.91 for 36 months then £891.60 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Up to 65.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £260,012 includes: Loan amount (£160,000); Interest (£98,527); Booking fee (£130); Application fee (£995); Valuation fee (£270); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/03/2019
Initial rate
1.69%then 4.9% (variable)
Fees
£1,355fees
Overall cost
4.4%APRC
Monthly cost
£654.28 for 24 months then £904.27 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 75.0% loan-to-value (LTV) available.
  • Eligible for home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £266,636 includes: Loan amount (£160,000); Interest (£105,281); Application fee (£995); Valuation fee (£270); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/01/2020
Initial rate
1.74%then 4.9% (variable)
Fees
£1,485fees
Overall cost
4.2%APRC
Monthly cost
£658.10 for 36 months then £893.93 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Up to 75.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,175 includes: Loan amount (£160,000); Interest (£99,690); Booking fee (£130); Application fee (£995); Valuation fee (£270); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/03/2019
Initial rate
1.79%then 4.9% (variable)
Fees
£360fees
Overall cost
4.4%APRC
Monthly cost
£661.93 for 24 months then £905.05 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 65.0% loan-to-value (LTV) available.
  • Eligible for home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £266,039 includes: Loan amount (£160,000); Interest (£105,679); Valuation fee (£270); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Chelsea Building Society

The Chelsea Building Society can trace its roots back to 1878 when the Borough of Chelsea Permanent Building Society was formed. As the years passed, the society merged with smaller societies, growing stronger and more successful at every turn. In 1966, it merged with the Camberwell and South London Building Society, becoming known as the Chelsea and South London Building Society.

By 2009, the Chelsea Building Society was the fifth largest society in the UK, with many branches in southern England and a direct mortgage and savings facility. In 2010, the Chelsea merged with the Yorkshire Building Society, which was at the time the UK’s second biggest building society. Despite the merger, Chelsea Building Society retained its name and brand and today it continues to offer its products to customers all over the UK.

Chelsea BS mortgage applications can be made online using their paperless system. Progress updates are sent via SMS or email.

Chelsea BS mortgages are suitable for first time buyers or customers looking to re-mortgage, either as a result of moving home, or simply to secure a better deal. There are a number of different Chelsea BS mortgage products available at any given time, including tracker, fixed rate and offset accounts. There is a non-refundable application fee payable on all Chelsea BS mortgages.

First time buyers can get a foothold on the property ladder with a 95% low deposit mortgage from Chelsea Building Society. Other deals such as cashback and free valuations may also be available to first time buyers. Offset mortgages from Chelsea BS link a mortgage account with a savings account so customers only pay interest on the difference between the two.

Fixed rate Chelsea BS mortgages are useful for customers who want to plan their finances.

Tracker mortgages track the Bank of England base rate.

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