Chelsea Building Society Mortgage Rates - October 2026
The indicative rates below are based on Chelsea Building Society's published products for residential mortgages. Rates shown are for illustrative purposes - your actual rate will depend on your LTV, loan size, credit profile and property type.
| Product | 60% LTV | 75% LTV | 85% LTV |
|---|---|---|---|
| 2-year fixed rate | 3.92% | 4.12% | 4.37% |
| 5-year fixed rate | 4.12% | 4.32% | 4.57% |
| 2-year tracker | – | 3.96% | – |
| Standard Variable Rate (SVR) | 7.27% |
Rates are indicative only. Last updated October 2026. Subject to change without notice. Your home may be repossessed if you do not keep up repayments on your mortgage.
Already on Chelsea Building Society's SVR at 7.27%? On a £250,000 mortgage, moving from 7.27% to a 5-year fix at 4.32% could save approximately £614 per month. Contact us now to compare.
Is Chelsea Building Society's Rate the Best Available?
Chelsea Building Society's rates are competitive in many scenarios, but the best rate for you depends on your specific circumstances - your LTV, loan amount, credit history, property type, and whether you're purchasing or remortgaging.
Doulton Bridging Finance compares Chelsea Building Society's rates against 130+ lenders to ensure you get the best available deal. If Chelsea Building Society is the right choice, we'll tell you. If another lender can save you money, we'll show you the numbers.
Compare Chelsea Building Society Against the Market →
Existing Chelsea Building Society Customer? Compare Your Renewal Options
If you're an existing Chelsea Building Society mortgage customer coming to the end of your deal, you have two options: take Chelsea Building Society's product transfer offer, or remortgage to a potentially better rate with a different lender.
Since July 2026, the FCA no longer requires a full affordability check when you move to a cheaper deal with your existing lender - making product transfers faster than ever. But "faster" doesn't always mean "cheaper". Let us compare both options.
See our dedicated Chelsea Building Society product transfer page for a full comparison of renewal options.