Yorkshire Building Society Mortgage

yorkshire building society mortgage

Yorkshire Building Society Mortgage

Yorkshire Building Society (YBS) is a UK-based mutual financial services provider that offers a range of mortgage products to customers. Some of the mortgage options available from YBS include:


  1. Fixed-rate mortgages: YBS offers fixed-rate mortgages with terms ranging from two to ten years. These mortgages provide a set interest rate for the duration of the fixed term, which can help borrowers budget their monthly payments.
  2. Tracker mortgages: YBS offers tracker mortgages, which have an interest rate that tracks the Bank of England base rate. This means that if the base rate goes up or down, the interest rate on the mortgage will adjust accordingly.
  3. Discount mortgages: YBS offers discount mortgages, which provide a discount off the lender’s standard variable rate for a set period of time. After the discount period ends, the interest rate will revert to the lender’s standard variable rate.
  4. Offset mortgages: YBS offers offset mortgages, which allow borrowers to offset their mortgage balance against savings held in a linked savings account. This can help to reduce the amount of interest paid on the mortgage.
  5. Buy-to-let mortgages: YBS offers buy-to-let mortgages for customers who want to purchase a property to rent out.


When considering a mortgage from YBS or any other lender, it’s important to compare rates, fees, and terms carefully to find the best option for your needs. It’s also a good idea to seek advice from an independent mortgage broker or financial advisor to ensure that you understand the risks and benefits of different mortgage products.


How long do Yorkshire Building Society mortgage offer last?

The length of time that a mortgage offer from Yorkshire Building Society (YBS) lasts can vary depending on the specific mortgage product and the terms and conditions of the offer. In general, mortgage offers from YBS are typically valid for between three and six months from the date of issue.

It’s important to note that during this period, interest rates and other terms may change, so it’s important to complete the mortgage application process and finalize the mortgage as soon as possible to secure the offer. If the offer expires before the mortgage is completed, the borrower may need to reapply and go through the application process again, which could result in a different offer with different terms and conditions.

It’s a good idea to check the specific terms and conditions of the mortgage offer with YBS or with a mortgage advisor to ensure that you understand the length of the offer and any other important details.


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