There are two ways you can apply for a mortgage with YBS
If you apply for a lending decision online, this is known as an 'execution only' application, meaning that you won't be eligible to receive advice on your lending decision application. However, if at any time after you start your application you wish to receive advice you can elect to do your lending decision in one of our branches or over the phone. Our online lending decisions are also 'portable' which means once you've obtained a lending decision you can go into branch or call us to apply for your full mortgage application with the benefit of advice.
Our online mortgage application is also 'execution only' and is designed for those customers who have a good understanding of the mortgage application process and that have identified the product they wish to apply for. Before applying for a mortgage online you must be aware of the following:
If you choose to proceed down the 'execution only' route without receiving any advice, we will not be able to provide guidance on any of the above throughout the application. However, you will be able to move the application to our branch or call centre channels where you can access full mortgage advice.
If you are unsure on any of the above a mortgage application with advice may be more suitable for you.
A mortgage is likely to be the largest financial commitment you make in life, therefore you may benefit from speaking to one of our mortgage advisers in branch or over the phone.
A mortgage adviser will be able to review your incomings and outgoings and make a suitable mortgage term and product recommendation to suit your individual needs.
An adviser will be able to provide guidance on the following, amongst other points depending on your circumstances and needs: