Look out for a change in the appearance of your YBS website soon. We are redesigning the site and will be launching the new website in the next few weeks.
Whether you're applying in branch, online or by phone, simply make sure you fully complete your application form and send us any relevant fees and documentary proof. This will make sure everything gets off to a smooth start.
Tip: see Our Lending Criteria for a full list of everything we need from you.
Once we receive your application, we will let you know as soon as possible if we can lend to you. Please note, we'll need to check your credit history and this will leave a footprint on your credit file.
If you applied in branch, your mortgage adviser will have explained the process in more detail.
If you applied online or by phone, we'll let you know if we need any more information. If we do, it would help speed up your application if you send all the documents together as we can't start processing until we have everything we need.
Tip: see our Privacy section for more information on credit checking.
Your property will need to be valued to ensure that it provides adequate security for the loan. If you have paid for a valuer to visit then we'll send you a copy of the valuation report.
We'll give you regular updates on the progress of your application so you always know what's going on.
Check the details of your offer carefully and let us know as soon as possible if we need to make any corrections or amends.
It's important for us both that you're able to repay your mortgage. So when we assess your application, we use the following two systems:
You have a legal right to know whether the information held about you by credit reference agencies is correct (we use Equifax Europe (UK) Limited). Details may be obtained by writing to Equifax Europe (UK) Ltd, Dept E1, PO Box 300, Glasgow, G81 2DT. You must include a fee of £2, and the addresses you have lived at for the past six years.
Check our Privacy and Security sections for more information.
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.
Enter a town, city or postcode to find your nearest branch.