Looking for your first home? We can offer you our Help to Buy


At YBS we know that buying your first home can be a challenge. Against all the odds – rent, bills, food, travel, and your mum’s birthday present – you’re managing to put a bit aside every month. But getting your foot on the housing ladder can still feel impossible.

We can lend a hand. We have a savings product that is supported by the Government's Help to Buy scheme and mortgage deals specifically designed for people buying their first home.

When you've saved enough for a deposit for your first home, you will naturally start to look at properties you want to buy. Completing a mortgage for the first time can be confusing. That's why at YBS we provide you with useful guidance on the ins and outs of getting a mortgage.

Help To Buy ISA

And as a first time buyer you can save for your first property tax-free.

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Our Help to Buy deals

So you've saved enough for a deposit on your first home. Now you’ll want to start thinking about getting a mortgage. There are two ways in which we can help you at YBS. Either with our Help to Buy ISA mortgages or our Next Step remortgaging deals.

If you hold a Help to Buy ISA with us or any other provider, you'll be eligible to apply for our Help to Buy ISA exclusive products, all of which have a preferential mortgage rate.

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Mortgage Finder

Alternatively you can always choose a mortgage product from our standard range of house purchase products which include First Time Buyer deals.

Next step H2B

Or if you already have a Help to Buy Equity Loan Mortgage with another lender and want to pay off the government's equity loan in full, we have Next Step deals that’ll help you on your way to

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