Chelsea Building Society offers mortgages for home buyers, home movers, re-mortgage and home-owners looking to switch mortgage deals.

What are the mortgage products Chelsea Building Society offers? 

Chelsea Building Society offers a range of mortgage deals to suit everyone from first time buyers to people looking to remortgage to get a better deal.

How can I apply for a Chelsea Building Society product?

To apply for any of Chelsea Building Society's products, you can either do so online or visit a branch in person. The process includes providing personal details and, in some cases, speaking directly with their staff for mortgages that require more detailed assessments or when the mortgage term extends beyond retirement age​.

Can Chelsea Building Society help residential mortgage customers?

Chelsea Building Society have a range of competitive residential Fixed Rate mortgage deals.

Can Chelsea Building Society help Self-employed mortgage customers?

Chelsea Building Society will accept mortgage applications from the self-employed and will use the average income as evidenced by the last 2 years accounts.

Can Chelsea Building Society help first time buyer mortgage customers?

Chelsea Building Society offers first time buyer mortgages including Deposit Lite which allows parents equity charge as a deposit.

Can Chelsea Building Society help adverse mortgage customers? Or customers with poor credit rating?

Chelsea Building Society is also able to assist customers facing adverse credit situations, but specific details would depend on individual circumstances and the society’s current lending criteria. They offer support for those struggling with their mortgages, including advice and potential restructuring options​.

Can Chelsea Building Society help later life or retired mortgage customers?

Chelsea Building Society does offer mortgages to retired applicants subject to conditions. The maximum age limit for a mortgage is dependent on your personal circumstances.

Can Chelsea Building Society help with second charge mortgages, secured loan or homeowner customers? 

Chelsea Building Society does not offer other loans or second charge mortgages.  

Can Chelsea Building Society help buy to let mortgage customers?

Chelsea Building Society offer buy to let mortgages for both individual landlords and limited companies with a maximum of three Buy-to-Let mortgaged properties.

Can Chelsea Building Society help limited companies buy to let mortgage customers?

Chelsea Building Society do offer limited companies with a maximum of three Buy-to-Let mortgaged properties. 

Can Chelsea Building Society help with commercial or short-term mortgage customers?

Chelsea Building Society do not allow commercial properties to be mortgaged under their terms. 

What Credit scoring agency does Chelsea Building Society use?

Chelsea Building Society uses Experian and TransUnion credit reference agencies.