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Chelsea Building Society Mortgages

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I have recently remortgaged with the Chelsea building society. They are giving me a 6% cashback on the mortage and the standard rate is pretty similar to other lendors - some lendors are slightly cheaper, some more expensive. They offer free survey and legal fees, so it is costing me nothing ... Read review

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Community Level 2ordy

ordy

Go down the Chelsea

AdvantagesGood service, great cashback

DisadvantagesNOt always the lowest rate

"...have recently remortgaged with the Chelsea building society. They are giving me a 6% cashback on the mortage and the standard rate is pretty similar to other lendors - some lendors are slightly cheaper, some more expensive. They offer free survey and legal fees, so it is costing me nothing to remortage. The cashback will be used to clear all my credit cards and probably pay for a holdiay too, so it is very useful. The whole thing has been ..." Read review
17.10.2001

Ciao members have rated this review on average: helpful

Community Level 1afghan66

afghan66

Avoid if at all possible!

AdvantagesDon't have to reapply from scratch at end of product term

DisadvantagesPoor app. process, staff just want to sell insurance, dreadful SVR, hidden charges, no branch nearby

"...misfortune of being introduced to Chelsea by an independent mortage advisor in 2004, we had a small deposit and weren't earning much at the time, but they came up as cheapest best option for hard working youngsters like ourselves. After AIP stage they just dragged everything out, I knew we had a picture perfect credit score, but they kept coming up with nonsense requests for documentation, yet saying everything was fine, "we just need this..." it ..." Read review
29.01.2012

Ciao members have rated this review on average: helpful

Community Level 1twinmum2610

twinmum2610

Chelsea prospect Mortgage

AdvantagesGot us back on financial track

DisadvantagesNo local branch

"The Chelsea Prospect Mortgage is designed for customers who have had financial problems and want to move on. We had financial problems for quite a few years which we can pin point directly to three periods of unemployment in 12 months and an inability to ask for help of any kind. In 2001 we put our debts in the hands of a financial mediator recommended by our bank I hasten to add. At the end of 2001 I read a magazine article about moving to realise ..." Read review
24.01.2005

Ciao members have rated this review on average: helpful

Terrible, slow, unhelpful

AdvantagesGood rates

DisadvantagesEverything else

"1) Every single query takes days (if not weeks) for a response. Alleged 48 hour turnaround becomes a week, then they request more information with another 48 hour turnaround, which becomes another week. 2) Team seems to have absolutely no sense of urgency with anything, and seems completely unable to prioritise work. 3) Complete lack of consideration for specifics of a situation 4) Worrying lack of expertise from the call centre teams, struggle to ..." Read review
20.08.2013

Ciao members have rated this review on average: not helpful

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