This is for illustration purposes only. The actual amount you can borrow will vary depending upon your personal circumstances.
For a more accurate estimate, which takes into account affordability, deposit and other details, use our full borrowing calculator.
This estimate assumes that interest rate will remain the same throughout the term of the mortgage, and mortgage type is repayment (rather than interest-only).
For illustration purposes only. This information does not contain all of the details you need to choose a mortgage. Make sure you read the separate Key Facts Illustration before you make a decision.
For a more accurate estimate based on your chosen mortgage product please use our full cost calculator.
e-ISA - Issue 3 is a tax-free Cash ISA available to you online. From checking your balance to tracking interest returns, you're in complete control 24 hours a day.
|Balance (£)||Tax-free rate
Tax-free means that interest is not subject to income tax.
AER stands for Annual Equivalent Rate and shows you what the interest rate would be if interest was paid and added each year. This will enable you to compare more easily the return you can expect from your savings over time.
|£10 and above||1.40%||1.40 %|
Interest rates are variable, paid annually.
Gross rate p.a.
Interest rate payable before any income tax is deducted. It can only be paid subject to the required registration.
Net rate p.a.
Interest rate payable after the deduction of income tax, at the lower rate of 20%.
AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added each year. This will enable you to compare more easily the return you can expect from your savings over time.
The Financial Conduct Authority is an independent financial services regulator. They require us, Yorkshire Building Society, to give you this important information to help you decide whether our e-ISA - Issue 3 account is right for you. You should read this document carefully so that you understand what you are buying, and then keep it safe for future reference.
The product terms should be read with the Online General Terms and Conditions booklet (General Terms). Together the Product Terms and General Terms explain how your account works.
It is important that you read all the terms applicable before you decide whether to open this account. Terms 10, 11 & 14 of the General Terms explain the circumstances in which we may change the interest rates, terms and conditions and charges relating to your account, and how we will tell you about the changes. Section 2 of the General Terms also sets out additional terms for Cash ISA savers.
Please note that for security reasons, online withdrawals are not allowed for the first 14 days after your account has been opened.
Interest is calculated daily based on the balance in your account, and will be added to your balance on 31 March each year and on closure. Interest will be paid free from tax unless you have breached HM Revenue & Customs rules.
The HM Revenue & Customs rules allow you to transfer from one ISA provider to another. If you wish to transfer savings held in a Cash ISA elsewhere to an e-ISA - Issue 3, you will need to apply for an account first.
Once your e-ISA - Issue 3 has been opened, login to download a Transfer Request Form.
Please note: If you have already subscribed to another Cash ISA in the current tax year, please do not send an initial deposit with your completed application form.
You will be able to check your balance and interest rate and view statements showing transactions on your account whenever you wish. Whenever we change the rate of interest applying to e-ISA - Issue 3, we will inform you by e-mail within 30 days of the change. It is important that you let us know if your e-mail address changes.
You can change your contact details (postal address, email and telephone) when you are logged in. To change your name you will need to write, enclosing proof of the change, to Savings Service, Yorkshire Building Society, Yorkshire House, Bradford, West Yorkshire, BD5 8LJ.
Whilst e-ISA - Issue 3 offers many attractive features it is not based on the stakeholder minimum standards.
If you open an e-ISA - Issue 3 account and subsequently change your mind up to 14 days after the date the account is opened, we will close your account and repay your deposit, plus any interest you have earned. You will then be able to save in another Cash ISA in that tax year.
Call us on 0845 1200 100 for more details about closing your account. Alternatively, you can write to Savings Service, Yorkshire Building Society, Yorkshire Drive, Bradford, BD5 8LJ.
If at any time you're not satisfied with the service you've received, please let us know. We have a simple process enabling you to do this, the details of which are in our leaflet 'We're here to help you - our complaints process', which can be downloaded from this site, obtained at any of our branches or requested by calling us on 0845 1200 300.
If we cannot come to a resolution to your satisfaction, you may have the right to refer the matter to the Financial Ombudsman Service, of which we are a member.
Yorkshire Building Society is a participant in the Financial Services Compensation Scheme. Read more on how this affects you.
Read and download the General Terms and Conditions for this account
|Account Name||e-ISA - Issue 3|
|Interest rates (AERs)||Variable rate paid annually, view interest rate|
AER guaranteed to be no more than 1% below Bank of England base rate
|Conditions for bonus payment||N/A|
|Withdrawal arrangements||Unlimited withdrawals, subject to daily withdrawal limits|
Whether you can benefit from gross, net or tax free interest is dependent on your own personal circumstances and tax status and so may be subject to change in the future.
Our e-ISA - Issue 3 account offers you easy online access 24 hours a day. e-ISA - Issue 3 is an Internet-only account and can only be opened and managed online.
Please note that for security reasons, online withdrawals are not available for the first 14 days after your account has been opened.
If you already have an online account (either savings or mortgage)
If you do not have an online account
First complete an online application, once this has been completed you will be given the option to transfer an existing cash ISA.
Your current provider has 15 days from receiving the request to send your funds by cheque to us. On receiving the cheque we will add the funds to your new e-ISA - Issue 3 account and will write to you to confirm the transfer has taken place.
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 a member of the Building Societies Association and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered in the Financial Services Register under registration number 106085.
Any reference on this website or in our literature to the Financial Services Authority (FSA) should be deemed to mean the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA).