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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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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

Find a Home Mortgage

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.

Best Mortgage Advisors

FREE mortgage consultations for Chelsea

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

Access Mortgage Providers Quickly

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

Independent Mortgage Broker

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.

Book a Free Mortgage Broker Consultation

Chelsea Mortgage Broker Insider Tips

Be wary of going on holiday

You should consider avoiding going on holiday until your conveyancing is finished, even if you instruct your solicitor to progress things in your absence.

You may have to take a particular decision, find out some information or carry out some other action resulting from your conveyancing. This may become very complicated if you are abroad. All of this can lead to delays.

At the very least, you should ensure that you've already provided your solicitor with your proof of ID & proof of funds and that they know you are away, when you are coming back and how to contact you.
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