Chorley & District Building Society
Building SocietyChorley & District Building Society is a small, independent mutual based in Lancashire, offering residential mortgages with individual underwriting and a commitment to personal, community-based service.
About Chorley & District Building Society
Chorley & District Building Society was established in 1859 and has served the communities of Lancashire for over 160 years. The society operates from its office in Chorley and maintains a strong focus on personal service and local knowledge. As one of the smaller building societies in the UK, Chorley takes an individual approach to every mortgage application.
The society offers residential mortgage products with a focus on straightforward lending. Chorley Building Society individually underwrites each case, which means it can consider applicants whose circumstances may not fit the automated systems of larger lenders. This approach is particularly helpful for self-employed borrowers, those with irregular income, or people purchasing non-standard property types.
Chorley Building Society remains proudly independent and community-focused. As a mutual, it exists to serve its members rather than external shareholders. The society supports local community initiatives and charitable causes across Lancashire. It is regulated by the FCA and PRA and is a member of the Building Societies Association.
Lending Focus
Chorley & District Building Society offers mortgage products across 1 categories including Residential.
Key Features
- Individual underwriting on every mortgage application
- Personal service with direct access to decision makers
- Competitive residential rates from a community-focused mutual
Pros & Cons
Pros
- Individual manual underwriting provides flexibility for non-standard cases
- Direct access to underwriters and decision makers
- Strong community focus with personal, local service
Cons
- –Very limited product range with no buy-to-let or specialist products
- –Small lending area focused primarily on Lancashire
- –No online application or Decision in Principle facility
Fees & Charges
- Arrangement Fee
- Varies by product; typically £250–£500
- Valuation Fee
- Charged at cost depending on property value
- Early Repayment Charge
- 2–3% during the initial deal period
- Overpayment Allowance
- Contact the society for current overpayment terms
Mortgage Rates
Rate data coming soon. View rates on Chorley & District Building Society
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 2–4 weeks
- Online DIP
- No — via broker or branch
- Offer Valid For
- 3 months
Lending Criteria
- Maximum LTV
- 85%
Frequently Asked Questions
Where does Chorley Building Society lend?
Chorley Building Society primarily lends on properties in Lancashire and the surrounding North West region. Contact the society to confirm whether your property is within their lending area.
Does Chorley Building Society accept self-employed applicants?
Yes, Chorley Building Society individually assesses self-employed applicants and can be flexible in how income is evaluated. You will usually need at least two years of trading history.
What types of properties does Chorley Building Society lend on?
Chorley Building Society lends on standard residential properties. As applications are individually assessed, they may consider some non-standard construction types on a case-by-case basis.
How do I apply for a Chorley Building Society mortgage?
You can apply by visiting the society's office in Chorley or by contacting them by telephone. Chorley does not currently offer online mortgage applications.
How to Apply
Direct & broker access. Apply directly or via a broker for whole-of-market access. Find a broker
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Bath Building Society | Residential, Self Build | Building Soc. | 85% |
| Beverley Building Society | Residential | Building Soc. | 85% |
| Buckinghamshire Building Society | Residential, Buy-to-Let, Limited Company | Building Soc. | 90% |
| Cambridge Building Society | Residential, Buy-to-Let, Self Build+1 | Building Soc. | 95% |
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice.Always verify lender details directly and seek independent advice before making financial decisions.
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