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Sam covers personal finance topics, from the most affordable places to live to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
Anna covers personal finance, helping readers make sense of savings, credit cards and insurance. Her insights are informed by experience in the financial services industry.
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In this article
Yorkshire Building Society is a large UK lender, with a branch network across Britain.
Here, you can find out what real Yorkshire Building Society mortgage customers thought about its service, what our expert analysis uncovered about its range of deals, and the best Yorkshire Building Society mortgage rates on the market right now.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our Yorkshire Building Society mortgage review
Real Yorkshire Building Society customer views
We've asked 82 Yorkshire Building Society mortgage customers about their experiences with the lender.
Expert mortgage rate analysis
We've analysed Yorkshire Building Society's mortgages to work out if it's a lender that offers competitive deals.
Yorkshire Building Society achieved a great customer score in our latest survey. The lender also achieved four star for customer service. It missed out on WRP status because it didn't perform as strongly as others in our mortgage deals analysis.
75%
out of 21 mortgage lenders ranked on customer score (joint-4th)
Anna McClean, Market Analyst, says: 'We analysed thousands of mortgages, using Moneyfacts data, over three months in the summer/autumn of 2026. We created 28 mortgage scenarios, based on typical loan amounts, term lengths and mortgage products, to reveal the lenders that consistently offer the best deals. Ranking first means the provider offered on average the cheapest mortgage deals during our analysis period. Yorkshire Building Society was joint 13th cheapest lender overall in our analysis, and did particularly well for home mover deals.'
Here's how Yorkshire Building Society did in our analysis:
Find out more: check which lenders came ahead of Yorkshire Building Society in our cheapest lender interest rate analysis
You can find the two-year fixed-rate mortgages Yorkshire Building Society is currently offering first-time buyers with an 80%, 90% or 95% LTV using the table.
To find out how Yorkshire Building Society compares with other mortgage providers, visit our guide to the best mortgage rates, which is updated every day.
| 80% | Yorkshire Building Society | 75% | 5.05% | £1,495 | 5.99% |
| 80% fee free | Yorkshire Building Society | 75% | 5.41% | £0 | 5.99% |
| 90% | Yorkshire Building Society | 75% | 5.4% | £1,495 | 5.99% |
| 90% fee free | Yorkshire Building Society | 75% | 5.76% | £0 | 5.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. Yorkshire Building Society had a sample size of 82.
Use the table to find the two-year fixed-rate mortgages Yorkshire Building Society is currently offering to home movers with a 60%, 75%, or 85% LTV.
To see how Yorkshire Building Society compares with other mortgage providers, visit our guide to the best mortgage rates, updated daily.
| 60% | Yorkshire Building Society | 75% | 4.9% | £1,495 | 5.99% |
| 60% fee free | Yorkshire Building Society | 75% | 5.26% | £0 | 5.99% |
| 75% | Yorkshire Building Society | 75% | 5% | £1,495 | 5.99% |
| 75% fee free | Yorkshire Building Society | 75% | 5.36% | £0 | 5.99% |
| 85% | Yorkshire Building Society | 75% | 5.1% | £1,495 | 5.99% |
| 85% fee free | Yorkshire Building Society | 75% | 5.46% | £0 | 5.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. Yorkshire Building Society had a sample size of 82.
Use the table to find the two-year fixed-rate mortgages Yorkshire Building Society is currently offering to remortgagers with a 60%, 75%, or 85% LTV.
To see how Yorkshire Building Society compares with other mortgage providers, visit our guide to the best mortgage rates, updated daily.
| 60% | Yorkshire Building Society | 75% | 5.03% | £1,495 | 5.99% |
| 60% fee free | Yorkshire Building Society | 75% | 5.41% | £0 | 5.99% |
| 75% | Yorkshire Building Society | 75% | 5.13% | £1,495 | 5.99% |
| 75% fee free | Yorkshire Building Society | 75% | 5.51% | £0 | 5.99% |
| 85% | Yorkshire Building Society | 75% | 5.37% | £1,495 | 5.99% |
| 85% fee free | Yorkshire Building Society | 75% | 5.75% | £0 | 5.99% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. Yorkshire Building Society had a sample size of 82.
L&C Mortgages can search through 1000s of deals to find your best mortgage rate. Plus, they won't charge you any fees for their advice.
Find your best mortgage rateIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked Yorkshire Building Society mortgage customers about their experience with the lender.
Here's how customers rated it on various aspects of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. The sample size for Yorkshire Building Society was 82.
'After 9 plus years, have had no issues at all.'
At Which? we don't just produce customer scores and star ratings, we also collect feedback from real Yorkshire Building Society customers. The vast majority of comments were positive.
A common theme from responses was that many customers had never had any issues or problems with the lender.
Respondents also praised the building society's customer service as 'great' and 'very helpful'.
When we checked in September 2026, there were 118 mortgages available from Yorkshire Building Society. Most were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
Yorkshire Building Society mortgages had initial periods of two, three, five or 10 years.
A smaller number of mortgages offered by Yorkshire Building Society were tracker deals, with initial terms lasting two years before reverting to the Yorkshire Building Society standard variable rate.
Yorkshire Building Society doesn't publish its borrowing caps, but you can use its affordability calculator to check the size of a mortgage you qualify for.
Currently, Yorkshire Building Society doesn’t offer preferential rates for energy-efficient homes or interest-free lending for green home improvements.
All Yorkshire Building Society's mortgages have a maximum term length of 40 years.
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence
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