6.74% Tracker for 5 Years

7.24% Tracker

cash back £300

6.74% Tracker for 5 Years

7.24% Tracker

cash back £300

Up to £500,000 85% LTV

Mortgage is Portable

Mortgage is portable, please refer to lender for details. The borrower

may move home within the early repayment charge term (if applicable) without

charge.

Self Cert Accepted

- Mortgage is NOT for First time buyers

LTV bandings as per Valuation of property:

Valuation LTV

Up to £600k 85%

£600001- £800000 80%

£800001-£1000000 75%

£1000000-£2000000 65%

Over £2000000 60%

Self Cert Accepted

Mortgage is NOT for first time buyers

All products are available to employed and self employed.

Product only available to packaged business where val is provided by introducer

Product is not CAT standard.

Payment Holidays Allowed. You may take up to two month's payment holiday in each calendar year if the following conditions are satisfied: you have paid in full the first six monthly payments which fall due after the completion of the mortgage; none of the payment due under the mortgage are in arrears and you are not in breach of any of your obligations under the mortgage and the Total Debt does not exceed 95% of the current value of the property. For details of the full conditions that apply, please refer to the special mortgage offer conditions.

£300 cashback

If you make an overpayment or a lump sum payment then the amount you owe, and so the amount of interest you pay, is reduced from the day after the lump sum or overpayment is made.

The applicant can withdraw or 'draw down' all or part of any overpayments made to the mortgage, be they regular or lump sum. The minimum 'draw down' is £250.

You may make underpayments on your mortgage account up to a maximum of the equivalent of two monthly payments in each calendar year. For details of the full conditions please the lenders product literature.

This mortgage includes a facility for additional secured borrowing. The applicant may apply for additional secured borrowing subject to terms and conditions.

THIS WILL INCREASE THE AMOUNT OF BORROWING SECURED ON YOUR HOME.

Let to Buy : Accepted

Capital Rest Period : Daily

Repayment Yes

Endowment Yes

PEP Yes

Pension Yes

Interest only (no RV) Yes

With Profits Yes

Unit Linked Yes

ISA Yes

Split Repayment Yes

Arrangement : 2.00% of loan Can be Added

Booking : None

None

None

Basic:

upto £60,000 - £215

upto £100,000 - £255

upto £150,000 - £285

upto £200,000 - £315

upto £300,000 - £375

upto £400,000 - £435

upto £500,000 - £495

upto £600,000 - £555

upto £700,000 - £615

upto £800,000 - £675

upto £900,000 - £735

upto £1,000,000 - £795

upto £1,100,000 - £855

upto £1,200,000 - £915

upto £1,300,000 - £975

upto £1,400,000 - £1035

upto £1,500,000 - £1095

upto £1,750,000 - £1275

upto £2,000,000 - £1425

Lenders Conveyancing Fee - £180.00 is payable on completion. It is payable to your solicitor for acting on behalf of Chelsea Building Society, usually payable at the time your mortgage starts (non-refundable). The figure quoted is an estimate and is only part of the cost of conveyancing work. You should ask your solicitors for details.

Current fee payable on full repayment - £175.00 Payable on redemption.

No Valuation fees payable for Scottish properties when the valuation report is provided by the applicant.

A valuation fee may be charged and will include all costs incurred in obtaining the valuation. This fee is payable when the mortgage application is submitted. The cost is based on the average cost to the Society of obtaining a valuation and is set out in a sliding scale below. The valuation fee will include VAT.

The valuation fee includes a non-refundable administration fee of £125. The valuation is for mortgage purposes and not intended for customer use. A copy of the valuation report is not provided. We may visit the property to carry out the valuation. In some cases we may be able to carry out an external appraisal because of our knowledge of the property type and area along with the information provided at application stage.

Higher Lending Charges are calculated on the difference between 75% of the value of your home and the amount you wish to borrow. Added fees will not be included in this calculation.

Lenders Conveyancing Fee - £180.00 Payable on completion. Payable to your solicitor for acting on behalf of Chelsea Building Society, usually payable at the time your mortgage starts (non refundable). The figure quoted is an estimate and is only part of the cost of conveyancing work. You should ask your solicitor

Current fee payable on full repayment - £175.00 Payable on redemption.

Freehold Flat No

Purpose Built Flat Yes

Converted Flat Yes

Flat Over Shop Refer

Maisonette Yes

Studio Flat No

Flying Freehold Refer

Thatched Refer

Timber Framed Refer

Concrete Refer

Agricultural Tie No

Flat Over 4 Storeys Refer

Listed Building Yes

Not Accepted

New Build acceptable. Right to Buy - up to 80% open market value, including extra for home improvements (for those products that allow Right to Buy).

If the mortgage term is 24 - 40 years the minimum excess lease is 30 years.

Accepted Locations : England, Scotland, Wales, N Ireland

Bank Statements No

At Least 3 Months Pay Slips No

P60 No

Proof Of Residency Yes

Life Policy To Be Assigned No

Previous Lender References No

Buildings Conditional

Min Loan £35,000

Max Loan £500,000

Max Portfolio of BTL Loans £600,000

Min Age 21 years

Max Age 67 years

Min Term 5 years

Max Term 40 years

Foreign Citizens Not Accepted

Ex-Patriates Not Accepted

Based on Income > 1

3.75 + 3.75 or 3.75 joint

Based on Income > 35000

4 + 4 or 4 joint

Min months in current position none

Min months in continuous service 3

Min no. of years accounts none

Average years taken to calculate income 1

Will consider declining profit Refer

Principle income must be from self-employment or investment sources.

There is a minimum 1 year trading period for this product.

One applicant must earn more than £35,000 to apply for the higher income multiple.

Maximum age considered with personal pension is 75, for self employed it is 70.

Hire Purchase Taken into account

Personal Loans Taken into account

Overdraft Taken into account

Credit/Store Cards Taken into account

Child Maintenance Taken into account

Child Education Taken into account

Extra Income:-

Other Income - Guaranteed Add 100% to income before multiply

Other Income - Regular Add 50% to income before multiply

Other Income - Irregular No

Investment Income No

Mortgage Subsidy Add 100% to income before multiply

Large Town Allowance Refer to Lender

Maintenance Payments Add 25% to income before multiply

Non Contributory Pension No

Car Allowance Add 100% to income before multiply

Remortgage Not Available

CCJs : Not Acceptable

Defaults : Not Acceptable

Arrears : Not Acceptable

Bankrupt : Not Acceptable

Current IVA : Not Acceptable

Repossession : Not Acceptable

No adverse credit accepted on this product

If a borrower goes into arrears by 3 months or more the Lender may withdraw the discount/fixed rate concessions or reclaim the cashback. In the event of the property being used for anything other than sole owner occupation the discount/fixed rate concession will be withdrawn.

- The Lender will judge customers with previous or existing adverse credit in a flexible manner and every case will be judged on its individual merits, along with the customer's ability to keep up repayments on the mortgage, taking into account his/her existing liabilities.

- The Lender will consider cases of financial difficulty and mortgage arrears sympathetically.

Satisfied defaults up to £10,000 accepted