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Yorkshire Building Society mortgages
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Mortgages with Yorkshire Building Society
Yorkshire Building Society (YBS) offers mortgages for first-time buyers, home movers and remortgagers, as well as borrowing options for new build properties.
Yorkshire Building Society also offers savings products, home and life insurance and investment products.
Yorkshire Building Society is authorised by Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA) and Prudential Regulation Authority.
Yorkshire Building Society is part of the YBS/Yorkshire Group, and is one of the UK’s biggest building societies.
Why get a mortgage through Yorkshire Building Society?
In general, building societies offer more competitive rates. So, if you’re a first-time buyer with a small deposit, you’ll benefit from these better interest rates.
Not to mention, Yorkshire Building Society offers some incentives to first-time buyers. For example, first-time buyers can get up to £2,000 cashback on selected 5% and 10% deposit mortgages
If you’re worried about your chances of being accepted for a mortgage, you’ll normally have better luck with a building society than a bank. This is helpful if you have a small deposit, are self-employed, work in the gig economy/have irregular income, or are a first-time buyer.
As Yorkshire Building Society is structured as a cooperative, there is more emphasis on member needs – which is advantageous to customers.
What types of mortgage does Yorkshire Building Society offer?
Find fixed-rate, offset and variable-rate (tracker) mortgage deals with Yorkshire Building Society, designed for first-time buyers, home movers and remortgagers.
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First-time buyers
First-time buyers can find a mortgage with Yorkshire Building Society. They offer a Help to Buy ISA and 95% mortgages to help first-time buyers get on the property ladder. £2,000 cashback is available on selected 5% and 10% deposit mortgages.
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Home movers
New and existing Yorkshire Building Society mortgage customers can find a mortgage for their new home. If you’re an existing mortgage customer, you may be able to port your existing mortgage deal to a new property, borrow more or borrow less.
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Remortgaging
Existing mortgage customers can remortgage to borrow more on a current mortgage (where possible), move to a new deal or transfer equity. New customers can move their existing mortgage to a new deal with Yorkshire Building Society.
How do you apply for a Yorkshire Building Society mortgage?
Before applying for a mortgage, you’ll need to get a Decision in Principle. This tells you how much you’re able to borrow, and it’s quick and easy to get one. You can apply online via Yorkshire Building Society’s website, or by speaking with one of their mortgage advisers on the phone.
Once you have your Decision in Principle, and you’ve either had an offer accepted on a property or you’re remortgaging, you can then make a full mortgage application.
You can apply for your Yorkshire Building Society mortgage either online or by phone (where you can get advice from one of their mortgage specialists).
What’s the difference between a bank and a building society?
A bank is a financial institution that’s normally listed on the stock market. As a result, they’re usually owned by shareholders.
A building society is also a financial organisation that offers largely the same products and services as banks. However, they’re owned and run by their members rather than external shareholders. All customers of a building society are its members – so, if you bank, save or borrow with a building society, you also partly own and run it.
Building societies are sometimes called ‘mutuals’, as they’re run for the mutual benefit of their members and communities.
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How do I compare Yorkshire Building Society mortgages?
With MoneySuperMarket, you can find and compare mortgage deals by type of mortgage, initial monthly cost, initial interest rate, the maximum loan-to-value each provider offers, and whether there are any mortgage fees.
How do I get a decision in principle with Yorkshire Building Society?
You can apply for a free mortgage in principle on Yorkshire Building Society’s website. If you want help from one of their mortgage advisers, you can call them.
A mortgage in principle gives you a better idea of whether Yorkshire Building Society will lend to you, as well as how much you can get. Plus, you can use it to show you’re a serious buyer when it comes to putting in an offer for a house.
A Yorkshire Building Society agreement in principle will be valid for 30 days. You’re not committed to applying for a mortgage with Yorkshire Building Society and your credit rating won’t be affected.
If you’ve got an agreement in principle you want to proceed with, you’ll need to speak to a Yorkshire Building Society mortgage adviser.
How do I contact Yorkshire Building Society?
You can get in touch with Yorkshire Building Society by:
Phone – Call 0345 1200 822 to speak to one of their mortgage advisers, or complete an online form on their website to arrange a telephone appointment. Lines are open 9am-5pm Monday to Friday, and 9am-1pm Saturdays
Email – Fill out an online form on Yorkshire Building Society’s website if you have a general question about their products and services
What happens if Yorkshire Building Society go bust and I have a mortgage with them?
If your bank or building society goes bust and you have a mortgage with them, it won’t be cancelled. You’ll still owe money to the lender, and its charge over your home will still stand.
Your existing debt would be sold on to another bank or building society in an administration process. You’d then owe money to the new financial institution you’re with.
In the event that your bank goes bust, you should continue to make your monthly payments as normal. You should also be given advice on your situation and what you can do.
However, things are slightly different if you have a particular type of offset mortgage. If the amount held in savings exceeds the mortgage debt, the balance would be protected by the Financial Services Compensation Scheme (FSCS): up to £85,000 or £170,000 for a joint account.
How hard is it to get a mortgage with Yorkshire Building Society?
As with banks, whether you qualify for a mortgage with Yorkshire Building Society depends on many factors, such as your finances, credit history, income, expenditure, deposit, and any debts.
That said, you might have more luck with getting a mortgage approved. That’s because building societies usually operate a more manual underwriting process, looking at customers’ financial situations on a detailed, case-by-case basis.
As a result, they’re more likely to accept borrowers that banks might deem to be too risky – for example, if you’re older, self-employed, or planning to live in a self-built property.
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Reviewed on 11 Dec 2025 by
