A smaller deposit puts your perfect home within reach. You could be buying a home sooner than you think as our fixed rate 95% mortgages come with an attractive low deposit of 5%.

• Available to home movers and first time buyers
• Product fees of £0 or £1,545
• Borrow from £50,000 to £500,000
• You have a choice of 2 or 5 year fixed rate products

A low deposit and money saving benefits

Whether you’re buying your first home or moving on to your next, our 95% mortgages could get you moving sooner rather than later. The difference is you only need to pay a 5% deposit, which takes the sting out of having to save longer for a larger amount. Depending on the mortgage you choose, we could also help you out with benefits like £500 cashback on completion, no product fees and a free standard valuation. And you’ll have a dedicated mortgage adviser with you every step of the way.

Here's some things worth noting

• A non-refundable mortgage application processing fee of £130 is payable upfront
• Early repayment charges will apply during the fixed rate period
• Other fees and charges will also apply

Want to know more?

Take a closer look at our 95% mortgages and find one that’s right for you.

95% mortgages

If you're interested in one of our 95% mortgages our qualified Mortgage Advisers can support and advise you on a mortgage product that best suits your individual needs. Request a face to face meeting at your local branch using our online form.

Please note

• Chelsea Building Society’s Standard Variable Rate was reduced to 5.45% from 5.65% on 30 November 2014.
• Chelsea Building Society's Standard Variable Rate is set independently of Yorkshire Building Society's Standard Variable Rate. This is because Chelsea Building Society is operated under its own brand and with its own products and services. As a result, Chelsea Building Society's Standard Variable Rate may be different from Yorkshire Building Society's Standard Variable Rate at any time and can vary upwards or downwards from time to time.
• Our mortgages have limited availability and may be withdrawn at any time.
• Applications subject to standard lending criteria and all loans subject to status.
• We cannot accept applications online if the mortgage term you are requesting extends beyond your intended retirement date. If you wish to continue with your chosen term, you would need to contact your local branch.
• We cannot accept applications online if you are married or in a civil partnership and are wanting to apply in a sole name.
• All our mortgage products are available on a capital and interest (repayment) method only.