YBS Mortgages Our Mortgage Products including Fixed Rate, Offset, Tracker and more.

Current Mortgage Range

All our mortgages offer a range of flexible features as standard:

Some of our mortgages have product fees or early repayment charges - please refer to individual mortgage products for more information.

Please note that products have limited availability and may be withdrawn at any time.

Some products may not be available for application via the web. Details of our products and how you can apply for them are shown below.

Click on the panels below to view our current Mortgages

Fixed Rate

Fix the interest you pay for extra peace of mind

2 year Fixed Rate Mortgages
Minimum Deposit	Loan Size	Interest rate	The overall cost for comparison:

25%	Minimum loan £25,001	Choose from: 6.09% until 30/06/10, or 6.19% until 30/06/10 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.1% APR
10%	Minimum loan £25,001	Choose from: 6.39% until 30/06/10 or 6.49% until 30/06/10 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.2% APR
10%	Minimum loan £25,001	Choose from: 6.69% until 30/06/10 or 6.79% until 30/06/10 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.1% APR

3 year Fixed Rate Mortgages
Minimum Deposit	Loan Size	Interest rate	The overall cost for comparison:

25%	Minimum loan £25,001	Choose from: 6.09% until 30/06/11 or 6.19% until 30/06/11 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.0% APR
10%	Minimum loan £25,001	Choose from: 6.39% until 30/06/11 or 6.49% until 30/06/11 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.1% APR
10%	Minimum loan £25,001	Choose from: 6.69% until 30/06/11 or 6.79% until 30/06/11 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.1% APR

5 year Fixed Rate Mortgages
Minimum Deposit	Loan Size	Interest rate	The overall cost for comparison:

25%	Minimum loan £25,001	Choose from: 6.19% until 30/06/13 or 6.29% until 30/06/13 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	6.9% APR
10%	Minimum loan £25,001	Choose from: 6.49% until 30/06/13 or 6.59% until 30/06/13 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.1% APR
10%	Minimum loan £25,001	Choose from: 6.69% until 30/06/13 or 6.79% until 30/06/13 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.1% APR

10 year Fixed Rate Mortgages
Minimum Deposit	Loan Size	Interest rate	The overall cost for comparison:

25%	Minimum loan £25,001	Choose from: 6.19% until 30/06/18 or 6.29% until 30/06/18 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	6.7% APR
10%	Minimum loan £25,001	Choose from: 6.49% until 30/06/18 or 6.59% until 30/06/18 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.0% APR
10%	Minimum loan £25,001	Choose from: 6.69% until 30/06/18 or 6.79% until 30/06/18 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.0% APR

Offset Fixed & Variable

Combine your mortgage and your savings to make your money work harder.

2 Year Fixed Rate Offset Mortgages
Minimum Deposit	Loan Size	Interest rate	The overall cost for comparison:

25%	Minimum loan £25,001	Choose from: 6.44% until 30/06/10 or 6.54% until 30/06/10 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.1% APR
10%	Minimum loan £25,001	Choose from: 6.74% until 30/06/10 or 6.84% until 30/06/10 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.2% APR
10%	Minimum loan £25,001	Choose from: 7.04% until 30/06/10 or 7.14% until 30/06/10 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.2% APR

3 Year Fixed Rate Offset Mortgages
Minimum Deposit	Loan Size	Interest rate	The overall cost for comparison:

25%	Minimum loan £25,001	Choose from: 6.44% until 30/06/11 or 6.54% until 30/06/11 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.1% APR
10%	Minimum loan £25,001	Choose from: 6.74% until 30/06/11 or 6.84% until 30/06/11 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.2% APR
10%	Minimum loan £25,001	Choose from: 7.04% until 30/06/11 or 7.14% until 30/06/11 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.2% APR

5 Year Fixed Rate Offset Mortgages
Minimum Deposit	Loan Size	Interest rate	The overall cost for comparison:

25%	Minimum loan £25,001	Choose from: 6.54% until 30/06/13 or 6.64% until 30/06/13 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.1% APR
10%	Minimum loan £25,001	Choose from: 6.84% until 30/06/13 or 6.94% until 30/06/13 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.2% APR
10%	Minimum loan £25,001	Choose from: 7.04% until 30/06/13 or 7.14% until 30/06/13 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.3% APR

Full Term Offset Mortgages
Minimum Deposit	Loan Size	Interest rate	The overall cost for comparison:

10%	Minimum loan £25,001	Choose from: 6.69% variable (BoE base rate + 1.69%) or 6.79% variable (BoE base rate + 1.79%) For the term of the mortgage.	7.0% APR
10%	Minimum loan £25,001	Choose from: 6.99% variable (BoE base rate + 1.99%) or 7.09% variable (BoE base rate + 2.09%) For the term of the mortgage.	7.3% APR

First Time Buyers

Products designed for the first time buyer - help with legal fees.

First Time Buyers
Mortgage	Loan Size	Interest rate	The overall cost for comparison:

5 year fixed Offset	Minimum loan £25,001	7.04% until 30/06/13, then 6.90% variable (our SVR) for the remaining term of the mortgage	7.2% APR
2 year tracker	Minimum loan £25,001	6.79% variable (BoE + 1.79%) until 30/06/10, then 6.90% variable (our SVR) for the remaining term of the mortgage	7.1% APR

Bank of England Trackers

Track the Bank of England's base rate for a set period.

2 Year Tracker Mortgages
Minimum Deposit	Loan Size	Interest rate	The overall cost for comparison:

25%	Minimum loan £25,001	Choose from: 6.19% variable (BoE + 1.19%) until 30/06/10 or 6.29% variable (BoE + 1.29%) until 30/06/10 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.1% APR
10%	Minimum loan £25,001	Choose from: 6.59% variable (BoE + 1.59%) until 30/06/10 or 6.69% variable (BoE + 1.69%) until 30/06/10 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.2% APR
10%	minimum loan £25,001	Choose from: 6.79% variable (BoE + 1.79%) until 30/06/10 or 6.89% variable (BoE + 1.89%) until 30/06/10 Then 6.90% variable (our SVR) for the remaining term of the mortgage.	7.1% APR

Fresh Start

Mortgages tailored for people starting again after the end of their relationship.

Fresh Start Mortgages
Mortgage	Loan Size	Interest rate	The overall cost for comparison:

5 year Stepped fixed rate	Minimum loan £25,001	0.00% fixed for 6 months, then 6.99% fixed until 31/08/13, then 6.90% variable (our SVR) for the remaining term of the mortgage	6.8% APR
5 year stepped rate tracker	Minimum loan £25,001	0.00% for 6 months, then 6.75% variable (BoE+ 1.75%) for 6 months, then 7.00% variable (BoE+ 2.00%) until 31/08/13, then 6.90% variable (our SVR) for the remaining term of the mortgage	6.8% APR

Our Standard Variable Rate (SVR) is 6.90%.
The Bank of England's (BoE) Base Rate is variable and is currently 5.00%.

*Interest will continue being charged during any payment holiday or break in payments.