Chelsea Building Society Mortgages

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Last updated on 09 March 2021.

Chelsea Building Society Mortgages FAQ

What is Chelsea Building Society?

Following a merger in 2010, Chelsea Building Society, or the Chelsea as it is affectionately known, is a member of the YBS Group, one of the UK’s biggest building society organisations. Unlike banks, which are listed on the stock exchange and owned by shareholders, building societies such as Chelsea Building Society are owned by their own members.

What kind of mortgages do Chelsea Building Society provide?

The typical Chelsea Building Society mortgage you use will depend on your own unique requirements. For example, if you’re a homebuyer, a residential mortgage would suit you, whereas landlords wishing to buy a home to generate rental income may seek a buy-to-let mortgage.

Can I remortgage with Chelsea Building Society?

If you’re wishing to switch lenders, or you’re an existing customer with an expiring deal, you may wish to remortgage. In addition, you may wish to call on additional cashflow - remortgaging allows you to release capital from the value of your own home, to finance expenditure for new purposes. Chelsea Building Society offers extensive remortgaging facilities for precisely these situations.

What are typical Chelsea Building Society mortgage rates?

The rate of interest you pay on a Chelsea Building Society mortgage will depend on a number of factors. The size of the loan you wish to pay is one, while the intended term length is another. In addition, your credit score will have an impact on how the society views you. That’s because better credit scores denote less risk to the lender, who is more likely to be inclined to charge lower rates of interest.

How can I determine Chelsea Building Society mortgage affordability?

Nerdwallet has its own mortgage calculator to help do this. Rather than spending precious time scouring the web for the best deals from disparate sources, our mortgage calculator just needs property values and down payments in order to calculate your expected monthly payment on any given type of mortgage.

Where can I find Chelsea Building Society mortgage criteria?

For borrowers new to Chelsea Building Society, it makes sense to read up on the specific lending criteria they may have. A quick Google search will allow you to find their official lending criteria page. Once you land upon it, the official criteria page provides you with the answers to all of your questions - whether you’re curious about minimum term lengths, the maximum LTVs on loans and plenty of other key criteria.

Where can I find the best Chelsea Building Society mortgage reviews?

Due diligence is one of the smartest things you can do, while looking for mortgages. Sites including Which? And Trustpilot provide easily-accessible reviews from previous customers for various Chelsea Building Society mortgage products. Their commentary and ratings can help you determine whether this lender is well-suited to your needs, or whether they are found to be lacking in any way.

Services offered by this provider may change over time. Always check Ts&Cs.

NerdWallet has selected Koodoo to provide you with this information-only online comparison service on a non-advised basis. NerdWallet will receive a share of the commission that Koodoo earns from the lender or from our partnered broker, Fluent Mortgages.

Koodoo is the trading name of Mortgage Power Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 845978), and is a registered company in England and Wales (company registration number 10978680), with a registered address at Scale Space, 58 Wood Lane, London, W12 7RZ

Fluent Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FRN 458914), and is a registered company in England and Wales (company registration number 10978680), with a registered address at 102 Rivington House, Chorley, New Road, Horwich, Bolton, BL6 5UE