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.
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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?
Is Yorkshire Building Society a mutual?
What is the maximum mortgage term with Yorkshire Building Society?
Can I apply for a Yorkshire Building Society mortgage online?
How to Apply
Direct & broker access. Apply directly or via a broker for whole-of-market access. Find a broker
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.