Bank of England (BoE) Base Rate Change: The BoE base rate decreased from 5.00% to 4.75% on 7 November 2024. Find out how this could affect your mortgage or savings account.
Bank of England (BoE) Base Rate Change: The BoE base rate decreased from 4.25% to 4.00% on 7 August 2025. Find out how this could affect your mortgage or savings account.
Mortgages
Find our best deals, use our mortgage calculators and apply for a mortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Get a Decision in Principle
This 10-15 minute application tells you how much you could borrow.
Mortgage calculators
Looking to remortgage or buy a house? Find out how much we might be able to lend you.
Find out how much you can borrow
Just a handful of questions and you can find out how much we might lend to you.
Takes about 2 minutes to complete.
How much will you pay each month?
Use our repayment calculator to find out how much your monthly repayments might be.
Takes about 2 minutes to complete.
Mortgages help and support
Are you protected?
Find out more about home and life insurance through YBS.
Mortgage guides
Mortgage guides
What is porting a mortgage and how does it work?
Moving home and want to take your mortgage with you? Porting your mortgage is where you buy a new home, but keep the same deal or rate.
Mortgage guides
A guide to offset mortgages
Curious about offset mortgages? Find out how they work and if they could help to reduce your monthly repayments.
Mortgage guides
How you could reduce your mortgage payment
5 ways to reduce your monthly mortgage payments, from switching your deal to extending your mortgage term.