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What do I need to hand?

We will ask for information about:

Your income

Including your salary, regular 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?

Due to Coronavirus and the Government Furlough Scheme we have made some changes to or lending policy which may impact your application, please read before proceeding with your application.

• 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.

Furlough income

• Currently, we don’t accept furlough income for mortgage applications.
  Furloughed applicants must be back at work on their full salary before we can consider their income for a mortgage application.
  For joint mortgage applications, where one applicant is on Furlough we will assess the affordability of the mortgage using only the salary of the applicant who is not on Furlough.

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.