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Important notice: we are carrying out some maintenance on our computer systems on the evening of Friday 16th August.

Find out how our services are affected

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.


Mortgage Help

Need some help & support with your mortgage or want to know a bit more about mortgages? Our help pages will guide you through what you need to know.

How do mortgages work?

There’s a lot to consider if you’re thinking about applying for a mortgage or have a mortgage already, so we’ve created some mortgage help pages to provide some support. We have a number of help pages relating to mortgages and you can also browse our How to Apply guide pages for queries relating to mortgage applications or the Existing Mortgage Customers section for help if you already have a mortgage with Yorkshire Building Society.

The A to Z of mortgages


The A to Z of mortgages

How does a mortgage work? Take a look at our complete A to Z and discover the meaning of mortgage terminology From SVR and APRC
 to fixed, offset and remortgage. It’s easy to get lost in the jargon about mortgages and so our A to Z page will help you understand the definition of mortgage terms so you can arm yourself with the knowledge you need.

Our mortgage rules


Features & benefits

With so much choice in the mortgage market it can be difficult to find the right mortgage deal suitable for your needs. We’ve come up with a handy guide to the features and benefits across different mortgage types, making it easier to work out what’s on offer and make a better informed decision on the best deal for you.

Features & benefits


Our lending criteria

Find out how we decide who to lend to with this information and guidance on our mortgage lending criteria and read our guide on Understanding mortgage affordability for information on how your income and outgoings affect your application.



Mortgage valuations and surveys

A handy guide to what a mortgage valuation entails and why it's necessary for your application.
You may also want to opt for a survey of the property so we've included information on your options here too.

Fees and Costs


Mortgage fees, charges & other costs

We've broken down the various fees & charges for both mortgage applications and for making changes to an existing mortgage. We've also included information on administration fees and some costs associated with moving home.

Our mortgage rules


Your mortgage payments

Paying for a mortgage is a big financial commitment, so it's important to have all the information relating to any mortgage payments. You can use our guide to find out more about what makes up your mortgage payment as well as information on overpayments, taking a payment holiday and what to do if you find you are unable to pay your mortgage.


More useful information

Conveyancing & mortgages

Our guide how your legal representative will help with your mortgage.

Online mortgage applications

When applying for a mortgage online with us, you won’t receive advice on your application. Find out what this means with our guide.

Important mortgage information

Some key information on our mortgages – including mortgage end dates and mortgage interest.

Mortgage rules

The purposes for which the mortgage loan may be used and the form of security we require.

Need some help?

Visit us

You can visit us in branch to speak to a mortgage adviser.


Call us

Speak to one of our friendly mortgage advisers about your options

0345 166 9510*

  • 8.00am - 8.00pm, Mon-Fri
  • 9.00am - 1.00pm, Sat


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