Yorkshire Building Society Mortgage Rates

53 mortgage products listed in our database and is currently offering remortgage fixed rates from 4.59% with a £1,495 set up fee for its 5 year products

Yorkshire Building Society Mortgage Rates

53 mortgage products listed in our database and is currently offering remortgage fixed rates from 4.59% with a £1,495 set up fee for its 5 year products.

Check back weekly or favourite this page to keep an eye on the ever-changing rates. The table below is updated as of July 16, 2024 and rates are subject to change.

Yorkshire Building Society Mortgage Rates: First Time Buyer

COMPANY TYPE TERM INITIAL RATE THE OVERALL COST FOR COMPARISON IS PRODUCT FEE LOAN TO VALUE (LTV)
YORKSHIRE BS First Time Buyer Fixed Rate 2 years 4.89% 7.47 APRC £1495.00 75%
YORKSHIRE BS First Time Buyer Fixed Rate Cashback 2 years 5.14% 7.52 APRC £495.00 75%
YORKSHIRE BS First Time Buyer Fixed Rate 2 years 5.24% 7.56 APRC £0.00 75%
YORKSHIRE BS First Time Buyer Fixed Rate Offset 2 years 5.54% 7.61 APRC £0.00 75%
YORKSHIRE BS First Time Buyer Tracker 2 years 5.69% 7.64 APRC £995.00 75%
YORKSHIRE BS First Time Buyer Fixed Rate 2 years 5.24% 7.54 APRC £0.00 75%
YORKSHIRE BS First Time Buyer Fixed Rate Offset 2 years 5.19% 7.53 APRC £1495.00 75%
YORKSHIRE BS First Time Buyer Fixed Rate 3 years 4.79% 7.24 APRC £1495.00 75%
YORKSHIRE BS First Time Buyer Fixed Rate 3 years 5.04% 7.32 APRC £0.00 75%
YORKSHIRE BS First Time Buyer Fixed Rate 5 years 4.59% 6.80 APRC £1495.00 75%
YORKSHIRE BS First Time Buyer Fixed Rate Cashback 5 years 4.69% 6.84 APRC £495.00 75%
YORKSHIRE BS First Time Buyer Fixed Rate 5 years 4.84% 6.91 APRC £0.00 75%
YORKSHIRE BS First Time Buyer Fixed Rate Offset 5 years 5.04% 7.00 APRC £0.00 75%
YORKSHIRE BS First Time Buyer Fixed Rate Cashback 5 years 4.74% 6.86 APRC £0.00 75%
YORKSHIRE BS First Time Buyer Fixed Rate Offset 5 years 4.89% 6.93 APRC £1495.00 75%
YORKSHIRE BS First Time Buyer Fixed Rate 10 years 5.39% 6.33 APRC £0.00 75%
YORKSHIRE BS First Time Buyer Fixed Rate Cashback 10 years 5.34% 6.29 APRC £1495.00 75%

 

Yorkshire Building Society Mortgage Rates: Moving Home

COMPANY TYPE TERM INITIAL RATE THE OVERALL COST FOR COMPARISON IS PRODUCT FEE LOAN TO VALUE (LTV)
YORKSHIRE BS Moving Home Fixed Rate 2 years 4.89% 7.47 APRC £1495.00 75%
YORKSHIRE BS Moving Home Fixed Rate Cashback 2 years 5.14% 7.52 APRC £495.00 75%
YORKSHIRE BS Moving Home Fixed Rate 2 years 5.24% 7.54 APRC £0.00 75%
YORKSHIRE BS Moving Home Fixed Rate Offset 2 years 5.54% 7.61 APRC £0.00 75%
YORKSHIRE BS Moving Home Tracker 2 years 5.69% 7.64 APRC £995.00 75%
YORKSHIRE BS Moving Home Fixed Rate Cashback 2 years 5.24% 7.54 APRC £0.00 75%
YORKSHIRE BS Moving Home Fixed Rate Offset 2 years 5.19% 7.53 APRC £1495.00 75%
YORKSHIRE BS Moving Home Fixed Rate 3 years 4.79% 7.24 APRC £1495.00 75%
YORKSHIRE BS Moving Home Fixed Rate 3 years 5.04% 7.32 APRC £0.00 75%
YORKSHIRE BS Moving Home Fixed Rate 5 years 4.59% 6.80 APRC £1495.00 75%
YORKSHIRE BS Moving Home Fixed Rate Cashback 5 years 4.69% 6.84 APRC £495.00 75%
YORKSHIRE BS Moving Home Fixed Rate 5 years 4.74% 6.86 APRC £0.00 75%
YORKSHIRE BS Moving Home Fixed Rate Offset 5 years 5.04% 7.00 APRC £0.00 75%
YORKSHIRE BS Moving Home Fixed Rate Cashback 5 years 4.74% 6.86 APRC £0.00 75%
YORKSHIRE BS Moving Home Fixed Rate Offset 5 years 4.89% 6.93 APRC £1495.00 75%
YORKSHIRE BS Moving Home Fixed Rate 10 years 5.39% 6.33 APRC £0.00 75%
YORKSHIRE BS Moving Home Fixed Rate Cashback 10 years 5.34% 6.30 APRC £1495.00 75%

 

Yorkshire Building Society Mortgage Rates: Remortgage

COMPANY TYPE TERM INITIAL RATE THE OVERALL COST FOR COMPARISON IS PRODUCT FEE LOAN TO VALUE (LTV)
YORKSHIRE BS Remortgage Fixed Rate 2 years 4.94% 7.32 APRC £1495.00 75%
YORKSHIRE BS Remortgage Fixed Rate Cashback 2 years 5.19% 7.38 APRC £495.00 75%
YORKSHIRE BS Remortgage Fixed Rate 2 years 5.34% 7.42 APRC £0.00 75%
YORKSHIRE BS Remortgage Fixed Tracker 2 years 5.69% 7.51 APRC £995.00 75%
YORKSHIRE BS Remortgage Fixed Rate Cashback 2 years 5.24% 7.54 APRC £0.00 75%
YORKSHIRE BS Remortgage Fixed Rate 2 years 5.34% 7.42 APRC £0.00 75%
YORKSHIRE BS Remortgage Fixed Rate Offset 2 years 5.64% 7.49 APRC £0.00 75%
YORKSHIRE BS Remortgage Fixed Rate Offset 2 years 5.24% 7.39 APRC £1495.00 75%
YORKSHIRE BS Remortgage Fixed Rate 3 years 4.84% 7.06 APRC £1495.00 75%
YORKSHIRE BS Remortgage Fixed Rate 3 years 5.04% 7.32 APRC £0.00 75%
YORKSHIRE BS Remortgage Fixed Rate 5 years 4.59% 6.54 APRC £1495.00 75%
YORKSHIRE BS Remortgage Fixed Rate 5 years 4.69% 6.59 APRC £495.00 75%
YORKSHIRE BS Remortgage Fixed Rate 5 years 4.79% 6.64 APRC £0.00 75%
YORKSHIRE BS Remortgage Fixed Rate Cashback 5 years 4.74% 6.86 APRC £0.00 75%
YORKSHIRE BS Remortgage Fixed Rate 5 years 4.94% 6.72 APRC £0.00 75%
YORKSHIRE BS Remortgage Fixed Rate Offset 5 years 5.24% 6.88 APRC £0.00 75%
YORKSHIRE BS Remortgage Fixed Rate Offset 5 years 4.89% 6.70 APRC £1495.00 75%
YORKSHIRE BS Remortgage Fixed Rate 10 years 5.39% 6.33 APRC £0.00 75%
YORKSHIRE BS Remortgage Fixed Rate Cashback 10 years 5.34% 6.29 APRC £1495.00 75%

 

Yorkshire Building Society Mortgage Rates FAQs

Is it better to get a mortgage from a bank or building society?

Both banks and building societies like Yorkshire offer mortgages in the UK, and each has its own advantages and disadvantages. Ultimately, whether it's better to get a mortgage from a bank or building society will depend on your individual needs and preferences. Here are some factors to consider:

Advantages of getting a mortgage from a bank:

Banks may have a wider range of financial products and services, such as credit cards, personal loans, and investment options.

Banks may offer cashback or other incentives for taking out a mortgage with them.

Banks may be more flexible in terms of lending criteria and eligibility requirements, as they typically have more resources and a larger customer base.

 

Advantages of getting a mortgage from a building society:

Building societies are owned by their members, which means that they are often more customer-focused and may offer better customer service than banks.

Building societies may offer more competitive rates and fees for mortgages, as they are not-for-profit organizations and do not have shareholders to satisfy.

Building societies may be more locally-focused and may have a better understanding of the property market in your area.

The key is to shop around and compare different mortgage products from both banks and building societies to find the one that best meets your needs. You may also want to consider working with a mortgage broker, who can help you navigate the mortgage market and find the best deal for you.

Are the mortgage loans from building societies like Yorkshire good?

Building societies in the UK offer mortgage loans and are known for offering competitive rates and customer-focused services. As not-for-profit organisations, building societies are owned by their members rather than shareholders, meaning they tend to focus on providing value to their customers. Building societies in the UK are also regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA) which oversee financial institutions to ensure they meet certain standards of conduct, capital and liquidity requirements to remain financially stable.

In terms of their mortgage products, building societies often have a range of options available to suit different needs, including fixed-rate, tracker, and offset mortgages. Some building societies may also have more flexible lending criteria and eligibility requirements than banks, which can be beneficial for borrowers who may not meet the strict lending criteria of some banks.

Mortgage loans from building societies can be a good option for many borrowers in the UK. However, it's important to compare rates and terms from multiple lenders, including banks and building societies, to ensure you find the best mortgage product for your individual needs and circumstances.

What are the disadvantages of a building society like Yorkshire?

While building societies in the UK offer a range of advantages, such as customer-focused services and competitive rates, there are also some potential disadvantages to consider. Here are some factors to consider when evaluating the potential disadvantages of a building society:

  • Limited product range: While building societies offer a range of financial products, such as savings accounts, mortgages, and insurance, their product range may be more limited than that of a large bank. This may be a disadvantage for customers who want access to a wider range of financial products and services.
  • Fewer branches and ATMs: Building societies may have fewer branches and ATMs than larger banks, which can be a disadvantage for customers who prefer to do their banking in person or need access to cash.
  • Smaller geographic coverage: Some building societies may only operate in certain regions or areas of the UK, which can be a disadvantage for customers who move or travel frequently and need access to banking services in different locations.
  • Limited digital capabilities: While building societies have made efforts to improve their online and mobile banking capabilities, some may still lag behind larger banks in terms of digital offerings and functionality.
  • Potential for mergers or acquisitions: Building societies may be more vulnerable to mergers or acquisitions than larger banks, which can disrupt customer services and may result in changes to interest rates, fees, and other terms.

Which bank owns Yorkshire Building Society?

Yorkshire Building Society (YBS) is a UK-based building society that is owned by its members and operates independently as a mutual organisation. Unlike banks, building societies are not owned by shareholders, but by their members who have a say in how the organisation is run.

While YBS is not owned by a bank, it does have a separate division called YBS Commercial Mortgages Limited, which is a wholly owned subsidiary of YBS. This division provides commercial mortgages to businesses and is regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA).

Overall, YBS operates as a mutual building society and is owned by its members rather than a bank or other external entity