Yorkshire Building Society Mortgage
Yorkshire Building Society provides mortgages from £25,000 to £1 million with fixed and tracker rates, terms up to 35 years, and LTV up to 95%. Specialist products include shared ownership and new-build mortgages.
Last checked on September 4, 2026. We may earn a commission when you click through.
Yorkshire Building Society Mortgage
Yorkshire Building Society
Updated 1 month agoAPR
4.29–6.69%
Amount
£25k–£1M
Term
60–420 months
Type
mortgage
Study Note
A strong mutual alternative to the big banks with competitive rates and specialist products that larger lenders often overlook. Shared ownership and new-build mortgages are particular strengths.
Best for
Shared ownership buyers and those purchasing new-build properties who want a mutual lender with specialist expertise.
Pros & Cons
Pros
- Competitive member rates from a trusted mutual
- Specialist shared ownership mortgages
- New-build property expertise
- Profits returned to members not shareholders
- Flexible overpayment options
Cons
- Maximum borrowing capped at £1 million
- Smaller branch network than major banks
- 35-year maximum term
- Fewer digital tools than some high street banks
Requirements checklist
- 18+
- UK resident
- Proof of income
- Minimum deposit 5%
- Decision in Principle
- Credit check
Honest take
YBS punches above its weight on rates and is particularly strong for shared ownership and new builds — areas where bigger banks often fall short. The £1 million cap and 35-year max term limit its appeal for London buyers, but for most of the UK it is a genuinely competitive option.
Yorkshire Building Society provides mortgages from £25,000 to £1 million with fixed and tracker rates, terms up to 35 years, and LTV up to 95%. Specialist products include shared ownership and new-build mortgages.
You'll be redirected to ybs.co.uk
