Yorkshire Building Society
Building SocietyYorkshire Building Society is the UK's third-largest building society, serving members across England with a range of residential and buy-to-let mortgage products. It is known for competitive pricing driven by its mutual status, returning value to members rather than shareholders.
About Yorkshire Building Society
Yorkshire Building Society was founded in 1864 in Huddersfield and has grown to become the UK's third-largest building society. The society has expanded through mergers with Barnsley, Chelsea, and Norwich & Peterborough building societies, creating a mutual with a strong presence across England. Yorkshire has no shareholders and returns value to members through competitive mortgage rates.
The society offers residential and buy-to-let mortgages through branches, online, and via mortgage brokers. Yorkshire is known for competitive pricing and a straightforward product range. The society serves first-time buyers, home movers, remortgagers, and landlords across the UK.
Yorkshire Building Society maintains a branch network across the North of England and Midlands, with products also available nationally through intermediaries. The society is regulated by the FCA and PRA and is a member of the Building Societies Association.
Lending Focus
Yorkshire Building Society offers mortgage products across 2 categories including Residential, Buy-to-Let.
Key Features
- Third-largest UK building society with strong mutual values
- Competitive fixed-rate deals driven by mutual ownership model
- Buy-to-let mortgage range including individual and limited company borrowers
- Fee-free and fee-saver mortgage options available
- Dedicated broker support with consistent service level agreements
Pros & Cons
Pros
- Competitive rates driven by mutual ownership — no shareholders to pay
- Strong buy-to-let range including limited company lending
- Fee-free mortgage options available across many products
- Reliable broker service with consistent turnaround times
Cons
- –No shared ownership or Help to Buy products
- –Branch network limited primarily to Northern England
- –Online tools and digital experience less advanced than major banks
Fees & Charges
- Arrangement Fee
- £995 or fee-free options available
- Valuation Fee
- Free on selected products; otherwise £250–£1,500 depending on property value
- Early Repayment Charge
- 1–5% during the initial deal period
- Overpayment Allowance
- Up to 10% per year without charge
Mortgage Rates
Rate data coming soon. View rates on Yorkshire Building Society
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 2–4 weeks from application to offer
- Online DIP
- Yes — available online
- Offer Valid For
- 6 months
Lending Criteria
- Maximum LTV
- 95%
- Max Loan Amount
- £2m
- Min Loan Amount
- £25k
- Rate Types
- fixed, tracker, discount
Frequently Asked Questions
Does Yorkshire Building Society offer buy-to-let mortgages?
Yes, Yorkshire Building Society offers buy-to-let mortgages for both individual borrowers and limited company landlords. Their range includes fixed-rate and tracker products with competitive rates.
Is Yorkshire Building Society a mutual?
Yes, Yorkshire Building Society is a mutual organisation, meaning it is owned by its members rather than shareholders. This allows it to focus on offering competitive rates and good value products.
What is the maximum mortgage term with Yorkshire Building Society?
Yorkshire Building Society offers mortgage terms of up to 40 years, subject to the borrower being no older than 75 at the end of the term. This longer term option can help reduce monthly payments.
Can I apply for a Yorkshire Building Society mortgage online?
Yes, Yorkshire Building Society offers an online Decision in Principle service. Full applications can be made through a broker or by visiting a branch.
How to Apply
Direct & broker access. Apply directly or via a broker for whole-of-market access. Find a broker
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Cambridge Building Society | Residential, Buy-to-Let, Self Build+1 | Building Soc. | 95% |
| Chelsea Building Society | Residential, Buy-to-Let, Shared Ownership | Building Soc. | 95% |
| Harpenden Building Society | Residential, Buy-to-Let, Limited Company | Building Soc. | 80% |
| Nationwide Building Society | Residential, Buy-to-Let, Shared Ownership+1 | Building Soc. | 95% |
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