What is a lending decision?

Before a full application, you'll need to get a quick lending decision - where we'll tell you if we can offer you a mortgage and exactly how much you’re able to borrow.
 

It takes as little as 10 minutes

With some details from you we’ll tell you whether we can lend to you and how much.

It won't affect your credit rating

Our checks will not appear on your credit file at this stage of the application.

It lasts for 30 days

If you need more time, you can easily retrieve your details and resubmit your lending decision for reapproval.


How much could I borrow?

It helps at this stage to have an idea of how much you would be able to borrow for your mortgage.

Can I afford it?

We also have a repayment calculator which will give an estimated monthly repayment figure for the amount you want to borrow.
 

I'm ready to get started!

Ok, you just need to read the following first:

What do I need to hand?

We will ask for information about:

Your income

Including your salaryregular bonuses, and overtime. Also include any benefits received such as child maintenance.

Your outgoings

Your regular outgoings such as loan payments (including student loans), credit cards and overdraft usage. It also includes payments towards childcare and child maintenance or existing mortgages.

Am I eligible?

  • You need to be at least 18.
  • Be sure to check that you are on the electoral register at your current property.
  • You must reside in the UK at the time of application and either be a UK citizen or hold a European passport.
  • The mortgage property must be in the UK and where you intend to live.
  • We cannot take into consideration any income that is paid in or converted from a currency other than UK sterling.

Anything else?

  • To help things go smoothly, please read our lending criteria.
  • We only offer Yorkshire Building Society mortgages.
  • If you want to apply for an interest only mortgage, or your mortgage term will extend beyond your expected retirement you will need to speak with one of our mortgage advisers by telephone.
  • If you are remortgaging and intend to use any funds for the purpose of debt consolidation, we cannot accept this type of application and you will need to seek independent mortgage advice.
  • When you request a lending decision we will obtain details from a credit reference agency. To find out more about how your credit score affects your lending decision, why not take a look at our guide to income expenditure.

All set!

Now, how would you like to get a decision?

Online

By clicking 'Get started' you are confirming you have read and agree to the above.

Will I receive advice?

No

By phone

Talk to one of our mortgage advisers over the phone.

Will I receive advice?
Yes

0345 166 9510

9am - 5pm Mon-Fri
9am - 1pm Sat