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Yorkshire Building Society mortgage review

We've combined expert analysis with customer feedback to help you decide whether to get a mortgage with Yorkshire Building Society.

In this article
 Yorkshire Building Society mortgage customer ratings What kinds of mortgages does YBS offer? Does YBS offer the best mortgage deals? Interest rates on YBS mortgages
How much could I borrow from YBS? Can I make overpayments? How can I contact YBS?

 Yorkshire Building Society mortgage customer ratings

Mortgages
Yorkshire BS review
Which? Customer Score
4th out of 23 mortgage lenders
76%
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Yorkshire Building Society (YBS) is based in Bradford. It is one of the country's biggest building societies, and offers mortgages right across the UK.

The table below shows how YBS performed in our latest mortgage satisfaction survey, from application process to value for money.

Customer rating for: Star rating
Customer service

4 out of 5

Application process -
Value for money

4 out of 5

Keeping you well informed

5 out of 5

Clarity of statements

5 out of 5

Transparency of charges

5 out of 5

Query and complaint handling

4 out of 5

Ability to overpay or underpay mortgage

5 out of 5

Online access

5 out of 5

 

Star ratings based on a June/July 2020 Which? survey of 3625 members of the general public in which 45 people told us they had their mortgage with Yorkshire Building Society.

What kinds of mortgages does YBS offer?

Many mortgage lenders have significantly cut their offerings this year due to the coronavirus outbreak.

When we checked in September 2020, there were 105 mortgages available from YBS. All were fixed-rate deals - meaning your interest rate will stay the same for a set initial period.

YBS's mortgages came with a initial periods of two, three, five, seven, 10 and 15 years.

 

Does YBS offer the best mortgage deals?

Our experts analysed hundreds of mortgages over a four-week period in July 2020. They compiled a total of 208 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average number of times a lender made it into a table was 16, but YBS didn't feature at all - meaning it rarely offers the most competitive rates. (Data source: Moneyfacts.)

Interest rates on YBS mortgages

In September 2020, the average rate on a two-year fixed-rate mortgage from YBS was 2.33%, exactly the same as the overall market average.

How much could I borrow from YBS?

YBS will lend to first-time buyers, home movers at 75%, 80%  and 85% loan-to-value. Remortgagers can borrow at 65%-95% loan-to-value.

YBS doesn't publish its borrowing caps and doesn't deal with mortgage brokers, so you'll need to speak to the lender directly about how much you might be able to borrow in relation to your annual salary.

Can I make overpayments?

YBS's deals allow you to overpay up to 10% of the mortgage balance each year. 

How can I contact YBS?

Mortgages from YBS are only available directly, so you won't be able to access them though a mortgage broker

Existing mortgage customers can call 0345 1200 200.

New customers can contact 0345 166 9510.

Its website is ybs.co.uk.

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