Mortgages
  •  

Fresh Start stepped fixed rate until 30 November 2014

The details of this mortgage product should be read in conjunction with Additional Mortgage Information.

Interest rate:

0.00% fixed for 6 months from completion, then
7.29% fixed until 30/11/14, then
4.99% variable (our Standard Variable Rate) for the remaining term of the mortgage

The overall cost for comparison is:

5.9% APR

Maximum Loan to Value:

85%

Product Fee:

None

Minimum Loan:

£25,001

Maximum Loan:

£250,000

Mortgage Fee:

£90 (payable on redemption of your mortgage)

Higher Lending Charge:

None

Early repayment charge:
  • 5% before 30/11/12, then
  • 4% before 30/11/13, then 
  • 3% before 30/11/14
  • If the product is repaid in full or in part, or transferred (in full or in part), an early repayment charge is payable as described above. However, overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur a charge of the percentage specified on the excess amount.
Product Availability:
  • For First time buyers
  • For customers remortgaging from another lender
  • For new customers moving home.
  • For existing YBS borrowers moving home.


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Yorkshire Building Society is one of the largest building societies in the UK. We offer a range of financial products and services including: savings & investment accounts, insurance products, loans, mortgages and more.

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Yorkshire Building Society is authorised and regulated by the Financial Services Authority (FSA).