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.
Simply provide us with your details and in just 15 minutes you could be submitting your application.
If you would like to fill in a bit at a time then you can. Save your application as you go and complete it later.
A Full Mortgage Application is valid for 90 days from the time you submit it.
As soon as your application has been assessed, a valuation carried out, and any relevant documents received we can make you a formal mortgage offer. Once you have your offer, this is valid for 6 months.
If you've seen a product you like, complete your application now to reserve the one you want.
If your chosen mortgage product is no longer available at the time we make your mortgage offer, you will still get the product you wanted.
Have you got the following to hand?...
Have you also considered...
We review and update our products regularly and would hate you to miss out on a product that's no longer on offer.
If you have a product in mind, we would encourage you to check that it's still available before you proceed.
Here is a list of fees you should be aware of. Please note that there may be additional fees depending upon your circumstances.
Fees to pay now
Fees to pay later
Some of our mortgage products offer incentives such as; Free standard valuation, Cashback (paid on completion), and Fee Assisted Legal Service. Check the product details for more information.
In order for us to process your application you must appoint a solicitor to act on your behalf. You don't have to choose one right away and can still submit your application without one. However, we will be unable to provide a mortgage offer until you have provided this information. Remember, if you are remortgaging, you will still need to appoint a solicitor.
Read our information and guide to appointing a solicitor
I already have a solicitor...
Great! Make sure you have their details to hand. It's a good idea to check that they are on our approved list of solicitors before you apply.
I need to appoint a solicitor...
We can help. As part of your application we will offer you access to over 200 approved solicitors. Choose the one that's right for you.
This is a report issued after an inspection of a potential property. It ensures that you are aware of any faults with the property and any additional costs you may need to pay after you move in.
This provides a valuation of the property for the lender's benefit. It applies to mortgage applications for a new property purchase as well as a remortgage on an existing property.
What are my options?
We will endeavour to get your application to a formal mortgage offer as quickly as possible. Here are a couple of ways that you can help us to ensure things go smoothly:
Once you've submitted your application, if things change, contact us to make any changes.
I need more money or my loan amount has changed.
Get in touch to talk things through and we will provide a new lending decision based on a different loan amount, subject to affordability.
We understand things don't always go to plan.
If that happens, we will do our best to help you. Get in touch to talk things through.
As part of the full mortgage application we complete a credit search which will leave a record on your credit file. You can find out more about credit checks by visiting Equifax
You will need to Login with your Customer number and password to progress your application.
Forgotten your details?
Call us on 0345 1200 805*
Please be aware that when applying online, you won’t receive any advice on your application.You can find out more information about our online services by reading our Initial Disclosure Document (59 KB) .
If you would like to progress your application in person, why not visit us in branch and meet with one of our qualified mortgage advisers.
If you need further advice on the application process or you need additional support before proceeding with your application, please call us on our mortgage helpline number.