You’ll need a Decision in Principle first 

Before you apply for a mortgage, you’ll need to get a Decision in Principle (DIP). 

A Decision in Principle lasts for 30 days. After this, you’ll need to renew it.

If you have a DIP, you can continue to your full mortgage application. Please read the important information on this page before you apply.
Already got a mortgage with YBS? Go to existing customers.
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Full mortgage application

Takes just 15 minutes online
Simply enter your details and you could complete your application in as little as 15 minutes.

You can save your application as you go and complete it later.
It reserves your mortgage deal
If you've found a deal you like, you can complete your application now to reserve it.

You will be able to get this deal if we make you an offer within 90 days, even if it's no longer available.
Your offer is valid for 6 months
Once we’ve assessed your application and a valuation has been carried out, we can make you a mortgage offer. 

Your offer will be valid for 6 months.

Important information

Application checklist
You’ll need the following to hand:
Property details
Current mortgage or tenancy agreement
Employment details
Bank details for setting up your payments.
Mortgage deal availability
We review and update our mortgage deals regularly. If you have a deal in mind, check that it's still available before you start your application. You can check what deals are available using our mortgage finder.
Fees and charges
Find out more about mortgage fees and charges that you may have to pay when you apply for a mortgage.
When you apply for a mortgage or a remortgage, you need to appoint a conveyancer. These are solicitors who can act on your behalf when you take out a mortgage. You can complete your application form without one. If you need help you can use our conveyancing service.
What happens next with your application
We’ll do what we can to get you a formal mortgage offer quickly. 

Here are a few ways you can help speed things up.
Pay any outstanding fees as soon as you can. The earlier we receive your valuation fee the quicker we can get started
We may ask for references or for you to verify your identity. We won’t be able to continue with your application until we hear from you.  
As part of your application, we’ll complete a credit search. This will leave a record on your credit file. 
You can find out more about credit checks by visiting Equifax.

Start your full mortgage application

Apply online

If you’d like to receive advice, apply over the phone.

If you’re happy to continue without any advice, you can apply online.

Speak to an expert

Get advice and apply over the phone with our mortgage specialists. 
9am to 5pm Monday to Friday
9am to 1pm Saturday
Or book an appointment and we’ll call you back.
Calls to 03 numbers are charged at the same rate as 01 or 02 numbers from all phones.