Your home may be repossessed if you do not keep up repayments on your mortgage.

First-Time Buyers

Buying your first home can be an expensive time.  That's why we have created a range of mortgages specifically for first time buyers that will help you with some of the costs, such as Stamp Duty Land Tax.

Our first time buyer mortgages have benefits such as cashback and different fee options.  Another key feature is that you can take an Offset option at no additional cost to your mortgage.

First Time Buyers are not restricted to our First Time Buyer Mortgage products: View all current mortgages

Some of our mortgages have product fees or early repayment charges - details are shown on the individual mortgage product pages.

Worried about the costs?   Don't be …

If you have a deposit of more than 10% for a First Time Buyer mortgage product, we offer 1% cashback (of the loan amount) which will be a real help as you start out. You could put it towards:

  • Paying your Stamp Duty Land Tax
  • Making an essential purchase for your new home
  • Removal fees

You’ll need the help of a solicitor to buy your new home. Our Conveyancing Service can help you with that too. Get a competitive quote quickly and easily – you’ll be able to choose from over 160 solicitors across the country.

Need more help?

Request a Mortgage
appointment in branch.

Cost Calculator

See how much a Chelsea
mortgage could cost you.

Borrowing Calculator

A quick estimate of how
much you could borrow.

Offset Wheel

Squeeze more out
of your savings.

Mortgage Advice

Our qualified Mortgage Advisers can support and advise you on all the mortgages in our range that best suit your individual needs. Request a face to face meeting at your local branch using our online form.

Useful links:



How to apply for a First Time Buyer mortgage

You can apply for a Chelsea First Time Buyer mortgage online* or in branch.

If you would like to talk to someone first, call us on 0345 1200 842.

Lines open Monday to Friday 8am to 8pm
Saturdays 9am to 1pm

* Excludes mortgages with a 90% maximum Loan to Value; these can only be applied for in branch.

Wide range of mortgages available

As a First Time Buyer you’re not restricted to our First Time Buyer Mortgage products. We’ve a wide range of mortgages you can choose from.

Chelsea Building Society and the Chelsea are trading names of Yorkshire Building Society. Yorkshire Building Society is a member of the Building Societies Association and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Yorkshire Building Society is entered in the Financial Services Register and its registration number is 106085. Principal Office: Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ.

References to 'YBS Group' or 'Yorkshire Group' refer to Yorkshire Building Society, the trading names under which it operates (Barnsley Building Society, the Barnsley, Chelsea Building Society, the Chelsea, Norwich & Peterborough Building Society, N&P and Egg) and its subsidiary companies.

Buy to Let mortgages are not regulated by the Financial Conduct Authority.

This site is intended for UK Residents unless otherwise stated. All communications with us may be monitored/recorded to improve the quality of our service and for your protection and security.

*Calls to 0800 numbers are free of charge from a landline or mobile. Calls to 03 numbers are charged at the same standard network rate as 01 or 02 landline numbers, even when calling from a mobile.

Chelsea Building Society and the Chelsea are trading names of Yorkshire Building Society. Yorkshire Building Society is a member of the Building Societies Association and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Yorkshire Building Society is entered in theFinancial Services Register and its registration number is 106085. Principal Office: Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ.

References to 'YBS Group' or 'Yorkshire Group' refer to Yorkshire Building Society, the trading names under which it operates (Barnsley Building Society, the Barnsley, Chelsea Building Society, the Chelsea, Norwich & Peterborough Building Society, N&P and Egg) and its subsidiary companies.

Buy to Let mortgages are not regulated by the Financial Conduct Authority

This site is intended for UK Residents unless otherwise stated. All communications with us may be monitored/recorded to improve the quality of our service and for your protection and security.

*Calls to 0800 numbers are free of charge from a landline or mobile. Calls to 03 numbers are charged at the same standard network rate as 01 or 02 landline numbers, even when calling from a mobile.

Get in touch with us:

  • Call us:
    http://www.thechelsea.co.uk/contact/index.html
  • Find a branch:
    http://www.thechelsea.co.uk/contact/branch_finder.html
  • Manage your accounts online:
    http://www.thechelsea.co.uk/security/online_help.html