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Yorkshire Building Society mortgage review and rates

We've combined expert analysis with customer reviews to help you decide whether you should get a mortgage with Yorkshire Building Society
Sam Wilson

Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.

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If 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.

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 51 Yorkshire Building Society mortgage customers about their experiences with the lender.

Expert mortgage rate analysis

We've analysed Yorkshire Building Society's mortgage rates to work out if it's a lender that offers competitive deals.

Is Yorkshire Building Society a good mortgage lender?

To see how Yorkshire Building Society compares with other mortgage providers, see our guide to the best mortgage lenders.

Does Yorkshire Building Society offer the best mortgage deals?

Which? analysed thousands of mortgages, using Moneyfacts data, over eight weeks in the summer/autumn of 2025. We compiled a series of top 10 cheapest deals tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average was five table appearances per week. Yorkshire Building Society averaged 7.5 per week, meaning it offered market-leading deals on a wide range of mortgages during our analysis.

You can see the mortgages Yorkshire Building Society is currently offering to first-time buyers, home movers and remortgagers in the tables below. 

To find out how Yorkshire Building Society compares with other mortgage providers, visit our guide to the best mortgage rates and deals, which is updated every day.

Yorkshire Building Society mortgage rates for first-time buyers

80%Yorkshire Building Society74%4.21%£9956.99%
80% fee freeYorkshire Building Society74%4.34%£06.99%
90%Yorkshire Building Society74%4.61%£9956.99%
90% fee freeYorkshire Building Society74%4.75%£06.99%
95%Yorkshire Building Society74%5.03%£9956.99%
95% fee freeYorkshire Building Society74%5.16%£06.99%

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 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Yorkshire Building Society had a sample size of 51.

Yorkshire Building Society mortgage rates for home movers

60%Yorkshire Building Society74%3.89%£9955.99%
60% fee freeYorkshire Building Society74%4.15%£05.99%
75%Yorkshire Building Society74%3.96%£9955.99%
75% fee freeYorkshire Building Society74%4.22%£05.99%
85%Yorkshire Building Society74%4.15%£9955.99%
85% fee freeYorkshire Building Society74%4.41%£05.99%

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 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Yorkshire Building Society had a sample size of 51.

Yorkshire Building Society mortgage rates for remortgaging 

60%Yorkshire Building Society74%3.93%£9955.99%
60% fee freeYorkshire Building Society74%4.18%£05.99%
75%Yorkshire Building Society74%4%£9955.99%
75% fee freeYorkshire Building Society74%4.25%£05.99%
85%Yorkshire Building Society74%4.33%£9955.99%
85% fee freeYorkshire Building Society74%4.58%£05.99%

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 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Yorkshire Building Society had a sample size of 51.

Ready to find your best mortgage rate?

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.

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If 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.

How did customers rate Yorkshire Building Society's mortgages?

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 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. The sample size for Yorkshire Building Society was 51.

What do customers think about Yorkshire Building Society 

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.

Many customers reported that the process of getting a Yorkshire Building Society mortgage was smooth.

For example, one said it was 'easy to set up a mortgage agreement and very helpful staff'. Another told us: 'I have never had any problems with it. It always contacts us quickly when there’s a rate change and give us the option of keeping our payments the same or changing them.'

Yorkshire Building Society mortgage lender FAQs

What types of mortgage does Yorkshire Building Society offer?

When we checked in September 2025, there were 133 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.

How much could I borrow from Yorkshire Building Society?

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.

Does Yorkshire Building Society offer green mortgages?

Currently, Yorkshire Building Society doesn’t offer preferential rates for energy-efficient homes or interest-free lending for green home improvements. 

How long can the mortgage term be?

All Yorkshire Building Society's mortgages have a maximum term length of 40 years.

Key Information

Why should you trust Which? research? 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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