Yorkshire Building Society Mortgages

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Last updated on 09 November 2020.

Yorkshire Building Society Mortgages FAQ

What is Yorkshire Building Society?

Yorkshire Building Society is the third-largest building society in the UK, with over 140 branches. It offers a range of financial products and services including savings accounts, mortgages and financial planning.

Can I get a mortgage with Yorkshire Building Society?

Yes, Yorkshire Building Society offers mortgages to a range of customers including first-time buyers and those looking to move house or borrow more on their existing mortgage.

What types of mortgages does Yorkshire Building Society offer?

Yorkshire Building Society offers a number of different types of mortgages:

  • Fixed-rate mortgages: Fixed-rate mortgages offer borrowers the option of setting their mortgage interest rate at a fixed rate for a specific period of time – usually 2, 3, 5 or 10 years. This means a greater level of consistency for borrowers, which can enable them to plan their finances more easily for a while. Following the fixed-rate period, the interest rate reverts back to the lender’s standard variable rate, which fluctuates.
  • Tracker mortgages: The interest rate for tracker mortgages literally ‘tracks’ the Bank of England Base Rate. This means that interest rates can fluctuate in line with the Base Rate and will be lower when the Base Rate is low and higher when the Base Rate is high.
  • Offset mortgages: People with savings accounts held with Yorkshire Building Society can take out an offset mortgage, which is linked to their account balance. With offset mortgages, interest is only paid on the difference between the outstanding mortgage amount and the balance held in the savings account.

I already have a mortgage with Yorkshire Building Society but my deal is coming to an end, can I switch?

Yes, Yorkshire Building Society offers its existing mortgage holders a range of mortgage deals to choose from when their initial deal comes to an end. Usual lending criteria apply.

I’m struggling to save for a deposit, does Yorkshire Building Society offer high LTV mortgages?

Yes, Yorkshire Building Society offers mortgages with higher loan-to-value limits to certain borrowers who are buying their first home.

Can I research mortgages on the Yorkshire Building Society website?

The Yorkshire Building Society website has a selection of mortgage calculators designed to help you find out how much you could borrow, how much your repayments might be and how much you could potentially save by offsetting your mortgage against your savings.

How do I apply for a Yorkshire Building Society mortgage?

It’s a good idea to establish whether you are eligible for a Yorkshire Building Society mortgage using the online application to get a lending decision in principle. Once you have obtained a decision in principle, you can go on to complete a full mortgage application online within 30 days.

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

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Koodoo is the trading name of Mortgage Power Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 845978), and is a registered company in England and Wales (company registration number 10978680), with a registered address at Scale Space, 58 Wood Lane, London, W12 7RZ

Fluent Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FRN 458914), and is a registered company in England and Wales (company registration number 10978680), with a registered address at 102 Rivington House, Chorley, New Road, Horwich, Bolton, BL6 5UE