Guides

As life unfolds and memories are made, Yorkshire Building Society are here to support you


 

Guidance and support to help you through life

For over 150 years we’ve been helping people find a home, save for the future and plan for those special moments in life. Today, millions of our members trust us to provide real help in managing their finances.

To make things a bit easier and provide some guidance for our members, we’ve produced a series of guides to help you manage your way around your finances. You can use our Homebuyers guides to find out more about mortgages and the best way forward when buying a home. Or, if you already have a home, read our Homeowners section for practical advice on increasing your property's value, keeping on top of home improvements and how to protect the things that matter to you.

For savers and investors, we’ve got a number of My Money guides to help with making your money work for you and our Life Moments articles for advice on saving for those important moments and some of the smaller ones too!

Homeowners

Living greener and saving money

How can you make savings and still have a greener home? Read our guide on tips to reduce your carbon footprint while helping you save money.

My Money

5 money chats to have with kids

According to the Money Advice Service, habits with money are formed by the age of seven.

Life Moments

Figuring out funeral plans

You’ve likely heard of funeral plans and maybe even thought about getting one. But you probably have a lot of questions too.

Trimming a hedge
Homeowners

Garden renovations to help sell your home

If you’re looking to sell your home it’s unlikely you’re going to want to spend money on renovating your garden however an unkempt garden can, of course, be a deterrent to a sale and a well-kept garden can even add some value.

Lady putting a vase of flowers onto a bedside table
Homeowners

Getting your home ready to sell

You’ve made the decision to move house, you’ve decided the area you want to move to and you may have even found a house you’ve set your heart on. Now all you have to do is sell your home!

Digging over a garden
Homeowners

Budgeting for garden renovations

Whether you’ve just moved in to your home and want to make it your own or you’ve been in your home a while and fancy a change of scenery the garden is a great place to start.

Life Moments

Sharedealing in a digital age

It’s not surprising that, in the current low savings rate climate, many people are investing in shares rather than saving in more traditional ways...

Homeowners

Remortgaging - What you need to know

Whether it's the first time you're remortgaging or you're an experienced mortgage switcher, we know it can still be difficult to know how the process works for different mortgage providers.

Homeowners

Fixed rate mortgages

Emma Lunn, a freelance personal finance journalist, tell us her views on fixed rate mortgages.

My Money

Don't need life insurance? Are you sure?

Should you think about buying life insurance? A life insurance policy is there to provide peace of mind for you and your loved ones should the worst happen. Our guide can help you work out if life insurance is something you could consider.

Family sat inside looking out a window
Homeowners

Wrap-up your home this winter

The long hot summer is just a distant memory now as the cold weather approaches. You’ll soon find yourself reaching for a chunky knit jumper and scarf - but don’t forget to wrap-up your home too.

My Money

Money saving tips this christmas

With Christmas just around the corner, you may be worrying about one of the most expensive times of the year. In fact, according to the Money Advice Service the average UK family was planning to spend over £800 on Christmas last year!

Family sat inside looking out a window
Homeowners

A guide to selling your house

It can be an exciting time when you decide it’s time to up sticks and find your next home! Even if you’ve sold a home before, chances are it’s been a while since you moved in and it might be a surprise how much you’ve forgotten about the process.

My Money

Our guide to online security and fraud

Advances in security and verification mean you can now sign into your personal accounts on your mobiles and tablets by simply using just your fingerprint or a short handy security code.

My Money

Getting into the savings habit

Start a good habit and find ways to save money, build up your reserves and make sure you have something put away for a rainy day.

My Money

Ideas to have fun this Summer without breaking the bank

We all know that the sun might not shine that often, so it’s important to make the most of it when it does (or even when it doesn’t)!

My Money

Plan ahead this summer

It’s never too late to start saving for a summer holiday. Beat those winter blues and start saving for something to look forward to in the summer.

Couple sat down in a room
Homeowners

Portability (move home with your mortgage)

The word portability in the dictionary is defined as ‘the ability to be easily carried or moved’. When referring to your mortgage (and often also called ‘porting’), it is simply where you are able to take your mortgage deal/rate with you when you move home.

home security this winter
Homeowners

Home security this winter

Being victim to a home burglary can be a traumatic experience, let alone the inconvenience of having to involve the police and your insurance company and the expense of having to replace personal items or broken windows and locks.

Life Moments

Student insurance

You might be tempted to overlook getting insurance; after all, you have so many other expenses to think about at the beginning of term. Is it worth it?

Homebuyers

UK Home Affordability

Our new affordability map shows some major differences in housing affordability across Britain since the start of the economic downturn.

Completing a mortgage application
Homebuyers

Our mortgage application tips

We all know that buying yourself a home will probably be the biggest purchase you will ever make. Just like any big decision, it pays to put some preparation in before making your first move.

My Money

Alternative investment ideas

If you’re considering investments as an alternative to a savings account, then you may not think your options extend beyond the traditional stocks, bonds and cash.

My Money

Paying off a mortgage with savings

If you’re paying off a mortgage each month but have some savings earning a low rate of interest, you might think that using this money to pay off your mortgage sooner is the right thing to do.

Life Moments

Top 10 unexpected wedding costs

Planning for your big day? You've probably started thinking about how much you'll need to save, but weddings are notoriously...

10 Ways to keep your home safe while you're away
Homeowners

10 Ways to keep your home safe while you're away

There's no place like home – and home insurance is there to help keep the things you love safe. But who doesn't love a getaway? From a weekend city break to a month long backpacking adventure – however you're holidaying, take a minute to think about what you're leaving behind.

Life Moments

Later life planning

Thinking about what may happen in the event of your own death isn’t a topic most of us like to dwell on.

Happy couple at a building site
Homeowners

How to make your home grow with you

Life changes all the time, including the space you need at home. You might have realised that you love your home but you’re outgrowing it, and need more space. You’ve thought about moving, but there’s a lot of hassle and cost involved. You might also have kids who are settled in the local school, or have friends or family nearby, and you’re reluctant to give this up.

Our guide to your first mortgage
Homebuyers

Our guide to your first mortgage

Buying your first home is often the biggest financial commitment you make and can also be the most difficult.

Life Moments

Our top tips for saving money on holiday

You might be tempted to overlook getting insurance; after all, you have so many other expenses to think about at the beginning of term. Is it worth it?

My Money

Budgeting made simple

If you’re struggling to save any money at the moment and you could use a little budgeting advice then you’re definitely not alone.

Understanding interest rates
Homebuyers

Understanding interest rates

When you’ve made the decision that you’d like to buy a new home, one of the trickiest aspects of the process to understand is interest rates and how these affect how much you have to pay for a mortgage.

Making an offer
Homebuyers

Making an offer

So you’ve found a property you’d like to buy, hooray! Now comes the potentially tricky part – making an offer and getting it accepted.

Family sat down in living room relaxing
Homeowners

Time to think about remortgaging

According to data from CACI Ltd (their Mortgage Market Database (MMDB) comparison of annual projected mortgage maturities from February 2013, February 2014, February 2015, February 2016, and February 2017), over £35 billion worth of mortgages in the UK are due to mature this autumn in the biggest two-month maturity period since 2012. If your current deal is coming to an end soon, perhaps it’s time to think about remortgaging.

Child playing with a tape measure
Homeowners

Home Maintenance Tips

It’s unlikely that home maintenance is top of your priority list of must do things this weekend. But along with the daily and weekly essentials like cooking, laundry and cleaning, regular home maintenance is just as important to keep your home in order and even prevent future problems.