We like to look after our existing customers
If you already have a YBS mortgage and want to make a change, we're here to help.
We've brought together everything you need to manage your YBS mortgage - from information to help and support. And if you have questions, our mortgage specialists are on hand - just call us.
We've also signed the Mortgage Charter. It's our commitment to help our customers affected by rising mortgage payments.
We've brought together everything you need to manage your YBS mortgage - from information to help and support. And if you have questions, our mortgage specialists are on hand - just call us.
We've also signed the Mortgage Charter. It's our commitment to help our customers affected by rising mortgage payments.
Switch your mortgage rate
If you’re coming to the end of your rate, or you’re on SVR, it’s easy to switch.
Borrow more
You may be able to borrow more on your mortgage. Find out how it works and how to apply.
Move with your mortgage
When you move home, you can take your YBS mortgage with you. We call this 'porting'.
Change borrowers
Find out how to remove or add someone to a mortgage. We also call this 'transfer of equity'.
Your mortgage payments
Everything you need to know about paying your mortgage. From direct debits to payment breaks.
Interest only mortgages
Find out more about repaying your interest only mortgage.
Request a change to your mortgage payment
For customers on our Standard Variable Rate (SVR) or a Bank of England (BoE) Base Rate Tracker.
When our SVR or the BoE rate changes, you can ask for your mortgage payment to change too. This is a payment recalculation. A payment recalculation helps you stay on track for your planned mortgage end date.
When our SVR or the BoE rate changes, you can ask for your mortgage payment to change too. This is a payment recalculation. A payment recalculation helps you stay on track for your planned mortgage end date.
Help and support
We're here to support you. Find information, advice, and phone numbers on our mortgage help pages.
Call us
Chat to our mortgage specialists about your options.
0345 1200 100
Calls to 03 numbers are charged at the same rate as 01 or 02 numbers from all phones.
Book an appointment
Book an appointment and we'll call you back.