Important notice: we are carrying out some maintenance on our computer systems on the evening of Friday 16th August.
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.
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.
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.
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.
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.
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.
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.
Our guide how your legal representative will help with your mortgage.
When applying for a mortgage online with us, you won’t receive advice on your application. Find out what this means with our guide.
Some key information on our mortgages – including mortgage end dates and mortgage interest.
The purposes for which the mortgage loan may be used and the form of security we require.
Speak to one of our friendly mortgage advisers about your options