Yorkshire Building Society mortgage review

Is Yorkshire Building Society a good mortgage lender?

This year, Yorkshire Building Society has been named a Which? Recommended Provider, meaning we think it's one of the best mortgage lenders in the country.

As well as offering more competitive deals than the average lender, our survey of its current customers found it to be the third most popular lender based on its customer score.

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Yorkshire Building Society Mortgages review

	Score	Overall ranking
Which? Customer Score	75%	3rd out of 22 mortgage lenders

Our Scores

Which? Customer Score

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.

Yorkshire Building Society customer satisfaction scores

The table below shows how Yorkshire Building Society performed in our latest mortgage satisfaction survey, which gathered feedback from homeowners with existing Yorkshire BS mortgages about everything from the application process to value for money.

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What types of mortgages does Yorkshire Building Society offer?

Yorkshire BS is the third-largest building society in the country, and the ninth-largest mortgage provider in the UK, according to UK Finance. 

When we checked in September 2023, there were 98 mortgages available from Yorkshire BS. Most were fixed-rate deals, meaning your interest rate stays the same for a set initial period.

Yorkshire BS mortgages had initial periods of two, three, five or 10 years.

A smaller number of mortgages offered by Yorkshire BS were tracker deals, with initial terms lasting two years before reverting to Yorkshire's standard variable rate.

Does Yorkshire Building Society offer the best mortgage deals?

Which? analysed thousands of mortgages over a four-week period in August 2023. 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 BS featured nine times a week, meaning its deals are regularly market-leading. (Data source: Moneyfacts.)

How much could I borrow from Yorkshire Building Society?

Yorkshire BS will lend to first-time buyers, home movers and remortgagers at 75%, 80%, 85%, 90% and 95% loan to value (LTV). 

You can borrow anywhere from 4.49 to 5.5 times your annual household income, depending on the mortgage deal itself and your financial situation.

How long can the mortgage term be?

All of Yorkshire's mortgages allow customers to pay back the loan over up to 40 years.

Can I make overpayments?

Yorkshire BS allows you to overpay up to 10% of the mortgage balance each year before an early repayment charge (ERC) is triggered.

How can I contact Yorkshire Building Society?

Mortgages from Yorkshire BS are only available directly through the building society, meaning you'd need to apply yourself rather than using a broker. If you'd rather use a mortgage broker, Accord Mortgages is Yorkshire's intermediary arm that only deals with brokers.

Existing mortgage customers can call 0345 120 0200; the general enquiries number is 0345 166 9510.

Its website is Ybs.co.uk. You can also visit a branch or use the building society's online chat function.