4 steps to your new mortgage

Number 1

Get a Decision in Principle (DIP)

Get a Decision in Principle (DIP) to find out how much you could borrow.
Number 2

Apply for a mortgage

Complete a full application online or over the phone.
Number 3

Get your mortgage offer

We’ll value your home and check your credit history. Then we’ll be in touch within 15 working days.
Number 4


Once the legal work is complete, your mortgage will move to us.


Get a Decision in Principle

Apply over the phone if:
Your deposit is less than 10%.
You want to apply for an interest only mortgage.
You’ll still be paying your mortgage after you’ve retired.


Instant decision
Valid for 30 days
Doesn't affect your credit score
If you’re happy to continue without any advice, you can apply online.

Over the phone

Talk to our mortgage specialists.
9am to 5pm Monday to Friday
9am to 1pm Saturday
Calls to 03 numbers are charged at the same rate as 01 or 02 numbers from all phones.

Discover the benefits of being a YBS member

As a building society, we’re run differently from a bank. We don’t have shareholders to satisfy - we’re here for the benefit of our members.
Access to exclusive savings accounts for YBS members.
If you’re eligible, you can vote on key decisions at our Annual General Meeting. This includes electing the directors who run the Society on your behalf.
We’re committed to making a real change to the community. Our Small Change Big Difference scheme means you can choose to donate the pence interest on your account.
Family on sofa