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If you're happy with your existing YBS mortgage then talk to us about taking it with you when you go, keep your current rate and avoid early repayment charges.

Moving with your mortgage

We’ll help you move your mortgage deal to your new home

If you're happy with your existing mortgage deal, you can take your current rate with you - without having to pay any Early Repayment Charges.

What type of mortgage would you like?

Buying a new home with us

Mortgages that move with you

We love having you as a member and things don't have to change just because you're taking that exciting next step and moving to a new place. When you pack up for your new address, you can move your current interest rate deal as well.

First things first

Whether you'd like to borrow the same amount, borrow more or borrow less, you'll first need to pay off your existing mortgage. Depending on your terms, this may include paying Early Repayment Charges, but if so some or all of these charges can be refunded to you when your new mortgage completes.

Please note, you'll need to borrow at least the existing (or portable) amount with the same product terms and you and your property will need to satisfy the current lending criteria. You'll also need to complete within six months of paying off your existing mortgage, pay any relevant fees (eg. valuation fees) and move to a property in England, Wales, Scotland or Northern Ireland.

Example of product terms: If your existing mortgage is a 5 year fixed rate and you move after 2 years, the product terms will apply to the portable amount for the remaining 3 years.

  • Need to borrow more?

    You can apply to top up the difference between your existing mortgage and your new loan with one of our current mortgage products. Bear in mind this is also subject to our current lending criteria.
  • Need to borrow less?

    We can refund part of any Early Repayment Charges you may have paid on a pro-rata basis.
    Example: If the portable amount of your existing mortgage is £50,000 and you only want to borrow £40,000, we'll refund you 80% of the Early Repayment Charges.
  • Ending a joint mortgage?

    If you have a joint mortgage with someone and you're now going your separate ways, you'll each be entitled to apply to borrow up to 50% of the amount of your previous mortgage on a new mortgage in your own name. You'll each also be entitled to 50% of any refund of Early Repayment Charges paid.

Guide to moving

We're here to help make life easier, so we thought you might be interested in these helpful links for buying, selling and planning your move:

Buying your new home

Selling your existing home

Planning your move

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Expert Service

If you're not sure which type of mortgage is right for you, our qualified Mortgage Advisers will be more than happy to help. They know our mortgage range inside and out and will take the time to understand you and your circumstances.

By getting to know more about your personal situation, they can recommend the mortgages in our range that will suit you best. And they'll be sure to explain things clearly so you're comfortable with all the details. It's one of the reasons why 94% of our customers who responded to a survey agreed that we are someone they can trust.*

*Nunwood Survey Nov 13- Jan 14, 3,778 customers responded

Face-to-face or over the phone

We know you're busy so we like to make life easy. You can browse our products, research and apply in one of our branches or over the phone - whichever suits you best.

A real person, not a machine

You'll be given the name and number of a dedicated adviser who is there to help you all the way through the application process right up until you get the keys in your hand. They will keep you up-to-date at each step but you're still bound to have questions. And when you do, you'll know exactly who to call.

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3 ways to apply

Visit a branch

Enter a town, city or postcode to find your nearest branch.

Call us

If you’re not sure which mortgage is right for you, why not speak to one of our mortgage advisers?

0345 166 9243*

  • 8am - 8pm: Mon to Fri
  • 9am - 1pm: Sat


We have a wide range of mortgages to choose from. Visit the following sections to help you decide which one is right for you.

Need more Information?

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Help & support

Your questions answered

You might also be interested in

Key Facts Illustration (KFI)

Our online tool will provide you with a comprehensive summary of any product available to you, including the amount of the monthly payments and any fees which you must pay.


Why choose the Yorkshire?


We believe in trust

It's what our Society was built on, and what we continue to build on today. That's why 3.5 million members trust us with their money, and why we go out of our way to offer good honest products that give good honest returns.

We believe in financial security and we are here for the long term. Right in the heart of the communities we serve. Solid. Dependable. Trustworthy.

We speak your language

SVR. APR. LTV. We'll spell everything out for you. It's not mortgages that are confusing. Often it's the jargon that comes with them. So at the Yorkshire we explain everything in plain English. Simply. Clearly. In language you can understand.

If there's anything on here you don't understand about mortgages just ask. Alternatively, our mortgage advisers are here to help.

Our customers aren't just customers

When you join us, you become a member. You'll be part of our society - a mutual Society with no external shareholders to satisfy. Our only focus is to serve your needs and help to make your money work hard for you. So it's second nature to us to put you at the heart of everything we do.

From genuine staff who deliver exceptional customer service, to good honest rates. It's always been about our customers. And always will be. That's why our Society is one that we are proud to be part of. One that is built on trust.