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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.

Mortgage calculators & tools

Use our mortgage calculators to work out how much you could borrow and get an estimate on your mortgage repayments.

Mortgage calculators & tools designed to help

Our calculators can help you work out how much you might pay for a mortgage each month and how much you would be able to borrow.

Borrowing calculator

Find out how much we may be able to lend you by answering a few questions about your income and outgoings.

Takes approximately 2 minutes to complete


Repayment calculator

Use our mortgage repayment calculator to get a quick estimate of what your monthly repayments could be by entering how much you'd like to borrow and for how long.

Takes approximately 2 minutes to complete


Offset calculator

You should also refer to our Offset calculator to see how an Offset mortgage could benefit you.

You’ll need to enter some details about your savings and mortgage requirements and we’ll show how an Offset mortgage could save you money.

Takes approximately 2 minutes to complete

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Find out how much you could borrow and what you might pay each month for a mortgage

We’ve created a series of mortgage calculators so that before you even start a mortgage application with us, you’ll know how much a mortgage is likely to cost you. If you want to find out how much you might be able to borrow for buying a new home or remortgaging – that’s where our borrowing calculator can help. Maybe you’re wondering how much the monthly repayments might be and how much you would be able to afford for a mortgage. If so we have a mortgage repayment calculator just for that. Our repayment calculator can provide you with an estimate of your monthly repayments, based on the size of mortgage you need.

Alongside the borrowing and mortgage affordability calculators we also provide an offset calculator to explain how an Offset Mortgage could benefit you by combining your mortgage with your savings to reduce the interest you pay. You’ll need to provide details of your savings plus your mortgage requirements and we’ll be able to demonstrate whether an Offset mortgage can save you money – either by reducing your mortgage term or reducing the amount you pay for your mortgage, now or in the future.

What next?

Once you’ve assessed your borrowing amount and had a look at affordability, it’s a good idea to obtain a lending decision. We’ll just need to take a few details from you and we’ll be able to tell you whether or not we’d be able to lend to you and if so, how much. You can obtain a lending decision online in just 10 minutes and it’s absolutely free to apply.

If you are interested in jumping straight to our current mortgage deals, you can start by using our mortgage finder tool.


Try our other mortgage-related tools

Mortgage Illustration

Our online tool will generate a mortgage illustration for you, providing you with a comprehensive summary of any product available to you, including the amount of the monthly repayments and any fees which you must pay.


Need a solicitor?

Find a legal representative in just 2 minutes with our conveyancing service.



Book an appointment

If you need any advice on your mortgage you can arrange to speak to one of our friendly mortgage advisors at nearest branch with our online appointment booking service

Book an appointment


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Need some help?

Visit us

You can visit us in branch to speak to a mortgage adviser.


Call us

Speak to one of our friendly mortgage advisers about your options

0345 166 9510*

  • 8.00am - 8.00pm, Mon-Fri
  • 9.00am - 1.00pm, Sat


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