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Our Mortgage Broker Guide to getting a mortgage in Chelsea

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Chelsea Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Check your scores with all 3 credit reference agencies

The 3 companies – CallCredit, Experian and Equifax – all use different methods to derive your score: you should therefore check all 3 to find out what points they've given you because you don't know which agencies a lender will check with.

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The additional benefit is that credit reference agencies occasionally do make mistakes, for example keeping an address on file which has become obsolete. You should always work quickly to make mistakes as you may end up being unfairly penalised and this can spiral, with resolution becoming a complicated matter!

Standard Variable Rate Mortgage

A standard variable rate mortgage is one where the interest you pay on your mortgage loan to your lender is normally a few percentage points above the Bank of England base rate. The rate can vary, not only along with movements in the base rate but also because the lender decides to vary it.

If you have a standard variable rate mortgage, you'll have to ensure that you can make your repayments even if the rate changes against your favour and thus there Is an inherent uncertainty about this. You can, however, leave this kind of mortgage at any time without penalty and opt to take on, for example, a fixed rate mortgage or a discount mortgage.


Chelsea is a very affluent area in London, within Kensington & Chelsea borough, 3 miles south-west of the capital's centre. It has the River Thames to its south and it includes the famous King's Road and Sloane Square.

Chelsea Physic Garden in Royal Hospital Road boasts a living collection of around 5,000 plants regarded as either edible, useful, medicinal or historic or which fall into more than one of these categories! The Saatchi Gallery in the King's Road offers some excellent displays of contemporary art.

SW3 5EX

Property Price Stats for Chelsea


Average property price in Chelsea £1,482,210
% Change compared to last year - 8%
Population of Chelsea 158,649


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

Mortgage Broker Chelsea - Recently Completed

  • 28-29 Ormonde Gate, Chelsea, London. SW3 4HA
  • 177 WIltshire Close, Chelsea, London, SW3 2NY
  • 71 Parkview Court, Fulham, London, SW6 3LL
  • 43d Crabtree Lane, Fulham, London SW6 6LP
  • 34 Kimbell Gardens, Fulham, London SW6 6QQ

Local High Street Banks in Chelsea

Mortgage Broker in and around Chelsea

Our Chelsea mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Fulham, Kensington, Knightsbridge, Earls Court, Belgravia, Sundridge and Walham Green.

Which banks are local to you?


  • Barclays Bank Plc - 348 King's Rd, Chelsea, London SW3 5UT
  • Natwest Bank Plc - 183b King's Rd, Chelsea, London SW3 5EB
  • Lloyds Bank Plc - 33-33a King's Rd, Chelsea, London SW3 4LX

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Mortgage Brokers Chelsea offering free first consultation (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Chelsea Mortgage Broker Insider Tips

If a family member or friend is providing you with any of the finance towards your home purchase in Chelsea, make sure your solicitor has all the information in good time.

If there is a loan or a gift, your solicitor may need proof of funds, relevant documentation and a proof of ID. If they do not have this, you may find yourself ready to exchange but not able to go ahead. Furthermore, your mortgage lender may not be happy to lend where there is an unregistered interest (i.e. the financial interest of your relative or friend) over the property. 

They will want to know if this is going to be a gift or a second registered charge. As you can see this is prone to getting complicated and can affect whether or not you decide to proceed. If you can get everything underway and sorted out as soon as possible, you will be in a better position to make an informed decision from the outset.

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