Yorkshire Bank Mortgages

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Last updated on 09 November 2020.

Yorkshire Bank Mortgages FAQ

What is Yorkshire Bank?

Yorkshire Bank is an independent bank owned by the larger CYBG banking group, which also operates the Clydesdale Bank. Yorkshire Bank was originally formed in West Yorkshire in 1859 and now has a network of branches and offers a range of banking products and services to public, private and business customers.

Does Yorkshire Bank offer mortgages?

Yes, Yorkshire Bank offers mortgage deals to first-time buyers, people looking to move home, re-mortgage and those hoping to buy a house as a buy-to-let investment.

What types of mortgages does Yorkshire Bank offer?

  • Discounted Standard Variable Rate mortgages: These mortgage deals offer borrowers the chance to take out a mortgage at a discount on the Standard Variable Rate (SVR) of interest charged for a set period of time. If the SVR increases within that period, the interest rate you pay increases as well, but with the discount still applied.
  • Fixed-rate mortgages: Yorkshire Bank’s fixed-rate mortgages allow borrowers to fix the interest rate they pay for a set period of time. There are a number of different options available to borrowers who want to fix their mortgage interest rate with Yorkshire Bank and fees and terms will vary depending on the specific mortgage you choose.
  • Offset mortgages: Yorkshire Bank offers borrowers the chance to offset their mortgage against their Yorkshire Bank current account or savings accounts. There are a number of different types of mortgage-linked accounts available to offset mortgage customers, all of which allow you to use your cash balance to reduce the interest paid.

I’m a first-time buyer, can I take out a mortgage with Yorkshire Bank?

Yorkshire Bank does offer mortgages to first-time buyers, including fixed-rate mortgages. It also offers specialist advice and guidance to those who are new to buying a home. First-time buyer offers are available to those aged 18 and over and living in the UK.

Can I take out a buy-to-let mortgage with Yorkshire Bank?

Yes, Yorkshire Bank offers buy-to-let mortgages, providing you fulfil certain criteria. There are a number of mortgages options on offer to property investors.

Can I take a payment holiday?

Providing you have made sufficient overpayments on your Yorkshire Bank mortgage, and you fulfil some other criteria, you may be able to take a payment holiday. These are usually limited to just one per year.

How do I apply for a Yorkshire Bank mortgage?

You can research which mortgages you might be eligible for on the Yorkshire Bank website and can also get a decision in principle online. Mortgage appointments are required to make a full application, and an offer will be made providing all criteria are met and the valuation of the property in question is satisfactory.

Services offered by this provider may change over time. Always check Ts&Cs.

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