All our panel mortgage brokers are registered with and regulated by the Financial Conduct Authority.
Your home may be repossessed if you do not keep up repayments on your mortgage.
FREE Online Conveyancing Process for Buyers
Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.
Whole Market Access
Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.
FREE mortgage consultations for Chelsea
Mortgage Brokers Chelsea offering free first consultation (terms apply).
Fast mortgage appointments
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
Impartial Mortgage Advice
You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.
How to get a mortgage - or remortgage - in Chelsea
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.
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.
The mortgage application process has 4 stages regardless of which mortgage lender you use:
- Approval in principal (AIP)
- Mortgage in principal (MIP)
- Mortgage valuation
- Mortgage Offer
Read about the full mortgage process here - What is the mortgage process?
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.
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 >>
RECENTLY COMPLETED MOVES IN Chelsea
- Flat 3, 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
Find a mortgage lender near you:
Our mortgage broker specialises in the local area and have completed house surveys in Fulham, Kensington, Knightsbridge, Earls Court, Belgravia, Sundridge and Walham Green.
- 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
Access to the whole of the mortgage market
Appointments available today
Get a mortgage quote tailored to your own requirements
Best first time buyer mortgage brokers
Information about Mortgages
Watch our video to find out how to organise your mortgage and funding for your purchase.
Click to access our online mortgage payment/repayment calculator (UK).
Mortgage Broker Tips for the Conveyancing Process
If you're buying, getting a structural assessment (Building Survey) of your property in Chelsea from a RICS Surveyor is key and can save you £1,000s by highlighting defects that can be shared or negotiated with the seller.
All too often buyers choose to not get a Building Survey thinking that their Mortgage Valuation will cover them for this. Sadly the mortgage valuation doesn't highlight structural defects or risks.
Once you realise this and then choose to get a Building Survey you may find that you are pushed to get this done in time for exchange of contracts because you have waited so long. This is especially annoying as your conveyancing solicitor needs some of the information from the survey to complete your legal work.
The best advice for fast conveyancing in Chelsea is to book your Building Survey at the same time as you instruct your conveyancing solicitor.
Surveyors are in high demand at the moment and bookings can often take 7 to 10 days and then the report 3 to 5 days after that so the sooner you book, the quicker you'll know if there are any defects with you property - plus you'll be set for a fast conveyancing completion!
*RICS Surveyors – Local Knowledge – Same Week Availability
Copyright 2014-19. All Rights Reserved.
SAM Conveyancing is a trading name of Share a Mortgage Ltd registration No. 08798475. We are an Introducer Approved Representative with the Financial Conduct Authority registration No. 618350. SAM Conveyancing complies with the Solicitors' Code of Conduct 2011 published by the Solicitors Regulation Authority (SRA). Your home may be repossessed if you do not keep up repayments on your mortgage.