Yorkshire Building Society Deals & Sales for 2016 - HotUKDeals
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Yorkshire Building Society Deals & Discounts

3
253

3 year fixed Rate Mortgage 1.64% - 65% LTV fixed until 31/07/18 £845 product fee

22
Undecided whether to go for a 2 year or a 5 year - so decided to look for a 3 year mortgage and this seems like a good deal for those with right LTV. This has a good mix of low interest rate and slig…
PierremontQuaker Avatar1y, 5m agoFound 1 year, 5 months ago22 Comments
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ran123ran
Although its not fixed, Nationwide do a 3 year tracker at 1.69% with no fees for 60% LTV - slightly higher than above deal but there are no fees to pay - may suit those with a smaller mortgage?

Looks as though you have to be a nationwide current account holder for this deal - thanks for the suggestion though.
great deal!!
Although its not fixed, Nationwide do a 3 year tracker at 1.69% with no fees for 60% LTV - slightly higher than above deal but there are no fees to pay - may suit those with a smaller mortgage?
delusion
zack100zn
How do the banks work out your LTV, I'm remortgaging and when I purchased the property 4 years ago my LTV was 80%.

They do an independent valuation if they deem it required, based on your own valuation of the home. The valuation will include viewing your home, checking comparative homes and values,and also with local estate agents. Usually the lender will Cover the cost of this but not always!
Thank you
redarrowrules
We used them a couple of years ago when applying for our first mortgage, couldn’t have been happier with the service. Did it all in our local branch, was given a dedicated customer service rep who dealt with our entire case. All phone calls were answered quickly by the branch and passed through to our rep if she was available. If she wasn’t they noted our call and she always called back.
Same here I got a mortgage with them last year and we had one guy deal with the whole process. We didn't have a mortgage department at our local branch but he was in the next town over and was willing to travel to accommodate us if necessary. I thought they did an excellent job! I'm the kind of person that asks ALOT of questions too and he always replied swifty.
295

2 yr fixed rate mortgage @ 1.29% for 75% LTV @ Yorkshire building society £975.00

33
Available to first time buyers, moving home and those looking to remortgage.
ran123ran Avatar1y, 5m agoFound 1 year, 5 months ago33 Comments
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Lmaooo @ square root of car!! Loved it craigsville!! hahahaha

I got a 5 year fixed mortgage through YBS at 4.19% with no legal fees, homebuyers survey, £1k cashback which covered my solicitor fees last year. wish I had chosen 3 years fixed now though -_- So far they've not bothered me with anything and it was 90% LTV as some of us are poor :(
[/quote] Yes, this looks better ;) Admittedly your calc brought back all my school math fears. Too many formulas on a page leads to palpitations and wide eyes and when I saw the word 'breakeven' I almost broke into a cold sweat X)[/quote]
It really is quite simple Monaco !! :{
You multiply the value of mortgage by the derivative of the house value, subtract the square root of the car in your driveway, and voila! , you save yourself 5p over 24 months of your mortgage :p LOL



Edited By: craigsville on Jun 22, 2015 23:52
craigsville
Monaco Blue
craigsville
To make this deal cheaper than any other 2 yr fixed out there, the mortgage would have to be >£240K. Anything less, then Tesco 1.79% £195 booking , no other fees would be cheaper.
How many years are you calculating the original term at, as I'm not understanding this?
25 yrs, but I did over estimate the min mortgage value :-( It breaks even about £220K.
20 yrs dosnt make much of a difference to the break even figure, so 25 yrs calcs below
£220K / £310K 71% LTV
YBS 1.29% £858.32 x 24 + £975 fee + £400 approx legal / valuation fees = £21975
Tesco 1.79 % £910.15 x 24 + £195 fee - no legal / valuation fees = £22039
Accord 1.84% £915.44 x 24 - no fees at all = £21971
£200K / £280K LTV 71% LTV
YBS 1.29% £780.29 x 24 + £975 fee + £400 approx legal / valuation fees = £20372
Tesco 1.79 % £827.41 x 24 + £195 fee - no legal / valuation fees = £20053
Accord 1.84% £832.22 x 24 - no fees at all = £19973
£150K/ £200K LTV 75% LTV
YBS 1.29% £585.22 x 24 + £975 fee + £400 approx legal / valuation fees = £15625
Tesco 1.79 % £620.56 x 24 + £195 fee - no legal / valuation fees = £15088
Accord 1.84% £624.16 x 24 - no fees at all = £14980
Hope this helps somebody :-)
And obviously if you overpaid, it would benefit the higher rate mortgage
Also Tesco follow on APR rate is lower than the other 2 , if you ran over the 2 yrs
Clubcard points too !!!
- Did I tell you I worked for Tesco??? --- Nah , only joking . LOL :-)

Yes, this looks better ;) Admittedly your calc brought back all my school math fears. Too many formulas on a page leads to palpitations and wide eyes and when I saw the word 'breakeven' I almost broke into a cold sweat X)
Coventry Flexx for term products look pretty good if you think rates are going to stay low for while http://www.coventrybuildingsociety.co.uk/mortgages/AccountSummary.aspx?socseqno=1&prodCode=FFM30&Company=1
Monaco Blue
craigsville
To make this deal cheaper than any other 2 yr fixed out there, the mortgage would have to be >£240K. Anything less, then Tesco 1.79% £195 booking , no other fees would be cheaper.
How many years are you calculating the original term at, as I'm not understanding this?

25 yrs, but I did over estimate the min mortgage value :-( It breaks even about £220K.
20 yrs dosnt make much of a difference to the break even figure, so 25 yrs calcs below

£220K / £310K 71% LTV

YBS 1.29% £858.32 x 24 + £975 fee + £400 approx legal / valuation fees = £21975
Tesco 1.79 % £910.15 x 24 + £195 fee - no legal / valuation fees = £22039
Accord 1.84% £915.44 x 24 - no fees at all = £21971

£200K / £280K LTV 71% LTV

YBS 1.29% £780.29 x 24 + £975 fee + £400 approx legal / valuation fees = £20372
Tesco 1.79 % £827.41 x 24 + £195 fee - no legal / valuation fees = £20053
Accord 1.84% £832.22 x 24 - no fees at all = £19973


£150K/ £200K LTV 75% LTV

YBS 1.29% £585.22 x 24 + £975 fee + £400 approx legal / valuation fees = £15625
Tesco 1.79 % £620.56 x 24 + £195 fee - no legal / valuation fees = £15088
Accord 1.84% £624.16 x 24 - no fees at all = £14980

Hope this helps somebody :-)

And obviously if you overpaid, it would benefit the higher rate mortgage

Also Tesco follow on APR rate is lower than the other 2 , if you ran over the 2 yrs
Clubcard points too !!!
- Did I tell you I worked for Tesco??? --- Nah , only joking . LOL :-)










Edited By: craigsville on Jun 22, 2015 01:31: update
66

2yr Fixed Rate Mortgage - 65% LTV, 1.18% [YBS launches lowest mortgage rate in 150 year] @ Yorkshire Building Society

5
YBS launches lowest mortgage rate in 150 years. 2yr Fixed Rate Mortgage - 65% LTV Mortgages that let you rest easy, knowing that your interest rate will remain stable for a fixed length of time T…
snappyfish Avatar1y, 9m agoFound 1 year, 9 months ago5 Comments
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ghunj
It looks like they also have 1.29% with £845 fee (and prob £130 application fee) which works out to be cheaper than 1.18%


Depending on mortgage amount
It looks like they also have 1.29% with £845 fee (and prob £130 application fee) which works out to be cheaper than 1.18%
snappyfish
ChickenDinner2000
useless...... what happens after 2 years? 5%?


look for another deal! unless your useless!

"you're"

............
ChickenDinner2000
useless...... what happens after 2 years? 5%?



look for another deal! unless your useless!
useless...... what happens after 2 years? 5%?
102

1.64% 2-year fixed rate mortgage (max 65% LTV) with £345 product fee from Yorkshire Building Society

13
Yorkshire Building Society is now offering a 2 year fixed rate mortgage at 1.64% with a £345 product fee, for mortgages between £25,001 and £5,000,000. Maximum 65% LTV.
Genki Avatar1y, 10m agoFound 1 year, 10 months ago13 Comments
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joangreen50
johnnyboyuk
not sure if widespread but terrible service on our mortgage. So bad that we switched to another lender prior to exchange!
which one ?

We switched to Leeds who have been very quick and helpful with any queries. The "Case Manager" for Yorkshire couldn't have been more unhelpful, it was like we were asking for a Kidney any time we asked for an update.
Genki
humadoon
thats a good rate, barclays is offering 1.99% no fee
That's a difference of 0.34% a year, or approx. 0.68% over the 2 years of the fix. That means any mortgage over about £50,600 will be cheaper on the Yorkshire deal than on the Barclays one, if my math is straight.
MATHS. :p
£90 montage fee and £130 application processing fees are they separate?
johnnyboyuk
not sure if widespread but terrible service on our mortgage. So bad that we switched to another lender prior to exchange!
which one ?
not sure if widespread but terrible service on our mortgage. So bad that we switched to another lender prior to exchange!
853Expired

Best Bank Accounts

84
See Post 5 for details. This week's special: £47.25 TopCashBack on the Santander 123 Current Account. http://www.topcashback.co.uk/santander/ 16/11: Citibank Plus account added 17/11:…
ollie317701 Avatar3y, 3w agoFound 3 years, 3 weeks ago84 Comments
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You would be better checking this thread on MoneySavingExpert created by Special_Saver2

***Quoted below without hyperlinks - click on link above***

1. Introduction

Welcome to this thread. I continually edit the first few posts of this thread to keep it up-to-date. This thread is meant to complement Martin Lewis' article which you can read here: Regular Savings Accounts and the accompanying discussion thread Regularly Beat the Best Savings Account Rates Discussion Area

I am only including accounts where the interest rate is better than the third best standard savings account which is easily available to everybody from Martin's Savings Accounts page.

I have not included regular saver ISA accounts which you can find in Kazza242's thread here:Mini Cash ISAs: The Best ISAs Currently Available List

I have included children's regular savers but I would strongly recommend that you read the section about the tax implications for interest from children's accounts in Martin's article Best Child Savings.

You may also be interested in the following threads:
How can regular savings accounts offer such good interest rates?
Are Regular Savers still worth it? (Calculations and discussion regarding drip feeding lump sums into regular savings accounts)
Is there a best time of the month to deposit in Regular Savers?
Transfers from Barclays to regular savings accounts
Interest on BACS credits
Direct Debit Payments
A-Z of bank/building society sort codes/account nos
Account opening date and 13th payments

Websites with useful information include:
Moneyfacts.co.uk News Page
Moneyfacts.co.uk Regular Savings Accounts Page
Moneyfacts.co.uk Children's Savings Accounts Page
Moneysupermarket.com Regular Savings Accounts Page
Savings Champion Regular Savings Account Page
eMoneyfacts Daily News Bulletin (no longer free, now subscription only)

If you have information about a new regular saver account then please feel free to post a message on this thread or you can write a separate thread and then post a link here.

I have divided up the information here into several different sections. You can therefore easily skip any sections that you are not interested in.

Unless indicated otherwise, you can only open one of each account.

I have included a summary of the terms and conditions of each account as these can be complicated with regular savings accounts. I would advise you to look at these terms and conditions to check that the account is suitable for you.

2. No Time Limit / Account Maturity Date

The advantage of these accounts is that you can build up a large balance which all earns a high rate of interest. You also avoid the hassle of continually opening and closing accounts and setting up new standing orders for each new account. The terms and conditions are also generally good - they generally allow you to make a penalty-free withdrawal and miss a payment each year. The disadvantage of these accounts is that there is no guarantee that the rate will remain high and often these accounts have a balance limit. If the interest rate drops after 12 months then I include the account in post 4 instead.

3. Matures After More Than 12 Months

The interest rate drops significantly after the date specified.

4. Matures After 12 Months

These accounts usually offer higher interest rates and they often offer interest rates that are fixed for the full 12 months. The main disadvantage with these accounts is that after 12 months the interest rate usually drops significantly. The terms and conditions can also be quite restrictive, so read them carefully.

5. Matures After 12 Months, Requires Another Account

These accounts are similar to the above accounts but they require you to open another account (usually a current account, which often has a funding requirement). They are more hassle than the accounts in section 4 but usually have a higher interest rate in return.

6. Matures After 12 Months, Requires Another Product (Insurance or Investment)

These accounts usually also offer a short term, high interest rate but they require you to make a long term investment or take out an insurance product.

7. Matures After Less Than 12 Months

These accounts are usually Christmas Saver accounts designed to encourage saving in time for Christmas.

8. Homebuyer Accounts

Okay, these accounts will not be of much use to you unless you are going to buy a house but they may be of use to some of you out there.

9. Best Feeder Accounts

These are accounts where you can leave a large lump sum and drip feed the money into your regular savers each month. Certain accounts are not listed here as they cannot transfer money directly to regular savings accounts. The accounts listed can do BACS transfers to regular savings accounts directly. Alternatively, if you have an offset mortgage, you might be able to use that as a feeder account but it is only worth doing so if the interest paid (after tax) on the regular saver account is higher than the interest rate on your mortgage account.
moonglum
I'm going to keep it for that reason and also that you get cashback on everything, the Luma card only gives cashback on fuel and supermarkets, not dissimilar to the Santander 123 card {3% on fuel and trains, 2% on department stores and 1% in supermarkets} albeit a higher percentage cashback.

I've just realised that the Cap1 classic xtra has the same features as the Aqua card, and a little extra IF you're a new customer. Damn! I might have to give CApital one a ring and see what they can offer me :D
I'm going to keep it for that reason and also that you get cashback on everything, the Luma card only gives cashback on fuel and supermarkets, not dissimilar to the Santander 123 card {3% on fuel and trains, 2% on department stores and 1% in supermarkets} albeit a higher percentage cashback.
moonglum
Received confirmation that I have been accepted for the 4% cashback Luma credit card.
Also got a letter from Aqua telling me that the 3% cashback Aqua credit card will finish on 22/01/14, you can switch to another Aqua card but it is only 0.5% cash back.

I might keep it only for the fact that you get cashback on purchases made in other currencies :)
Received confirmation that I have been accepted for the 4% cashback Luma credit card.
Also got a letter from Aqua telling me that the 3% cashback Aqua credit card will finish on 22/01/14, you can switch to another Aqua card but it is only 0.5% cash back.
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Failed
-57Expired

2.64% 5+ Year Fixed Offset until 30/09/18 @ Yorkshire BS Mortgages £1,565.00

12
Available for: Moving Home Remortgaging from other lender First Time Buyers Interest rate: 2.64% fixed until 30/09/18 then our Standard Variable Rate, currently 4.99% variable, for the rema…
grom10 Avatar3y, 5m agoFound 3 years, 5 months ago12 Comments
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Monaco Blue
Blazing deal for an offset mortgage. Really not sure why this is cold. Do the maths, factor in the costs, esp if you are a 40% taxpayer. You could dump all your savings in here, reduce your payments, pay less tax and legitimately pretend your name is Amazon...

or Starbucks! ; )
Blazing deal for an offset mortgage. Really not sure why this is cold. Do the maths, factor in the costs, esp if you are a 40% taxpayer. You could dump all your savings in here, reduce your payments, pay less tax and legitimately pretend your name is Amazon...
grom10
reakt
grom10

Your "WTF" is not welcomed here.
Oh sorry I'm in your house am I?
I would prefer to discuss the deal rather than your stupidity.
You're just sour that your deal went cold.
reakt
grom10

Your "WTF" is not welcomed here.
Oh sorry I'm in your house am I?
No, but in your first comment you wrote to me personally as you said "You forgot to include". Therefore in the context of my reply "here" was not used to denote a physical or virtual location but was used metaphorically. Anyway, I would prefer to discuss the deal rather than your stupidity.
stedoc1
You can get lower % with much lower fees if you shop around.
Those are not 5 year ones.
8Expired

Fixed Rate Bond @ 4.05% gross pa/AER - Yorkshire Building Society

9
* Fixed rate of interest for duration of the bond - 31 May 2014 * You can save from as little as £1,000 * Make additional deposits whilst the bond is open to new investors† * Monthly…
dealer101 Avatar5y, 6m agoFound 5 years, 6 months ago9 Comments
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realblender
csiman
you'd have to be mad to tie up your cash at 4.2% for 3 years

what could you do with it instead - better rate and same risk?

Put it in a 3.2% account for a few months as interest rates are bound to go up soon

4.2% in a years time, let alone 3 will be crap!

My money is in a 5.03% 3 year account with birmingham midshires but I only took that out as I can withdraw it (with 3 months loss of interest).

If I was putting money away now I would stick it in this 5.05% 5 year account as you can withdraw it (with interest penalties)

http://www.bmsavings.co.uk/savings/fixed-term-savings/703/5-year-internet-fixed-rate-bond-yearly-interest.aspx?WT.ac=BMSAIFRB-703


Edited By: csiman on May 22, 2011 07:49
roundster
cold, nationwide is at 4.2% for 3 years :{

Where? For new customers? Not an ISA? I want some of that!
you'd have to be mad to tie up your cash at 4.2% for 3 years
CookinBat
why is it when I vote cold, the temp goes up instead of down! ...does this happen to you too?

Yes..I assume that a lot of people vote whilst you read the posts so when you vote and refresh everyone elses votes have been added in too.
cold, nationwide is at 4.2% for 3 years :{
-9Expired

3 year fixed E bond @ 4.65% gross.Yorkshire Building society £100.00

3
A 3 year fixed bond at a good rate.£100 min investment. open ONLY if you have spare cashlying around in your bank earning 0.01% as no withdrawals or closure before the term is allowed except in excep…
nhskbhatia003 Avatar7y, 2w agoFound 7 years, 2 weeks ago3 Comments
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nhskbhatia003;7000302
Mate barnsley bs is part of Yorkshire building society.So its the same.


I thought you were posting about a HOT UK DEAL on savings for 3 years, not trying to reveal the ultimate ownership of brands and protection under Financial Services Compensation Scheme. Good point though if you were trying to alert investors to watch out for whether Barnsley does/doesn't have separate registration for one's FSCS cover for your £50,000 with one/either brand.
http://www.moneymadeclear.fsa.gov.uk/news/product/bs_merger_compensation.html

Meanwhile on HUKD basis : 4.65 from Yorkshire v 4.80 from Barnsley = which is HOT ? :whistling:

Here's the link for those chasing the 4.80 though as I said probably best to do research on specialist sites to be sure of best offer for your hard earned £££ with any "financial institution":
http://www.barnsley-bs.co.uk/savings/online_accounts/online_bond.html

PS:
I rest by my "Do research..." statement - just seen another HUKD for 5.0 for 3yrs (albeit for 5K+)
http://www.hotukdeals.com/item/538221/britannia-bs-3-year-fixed-rate-bond
And they aren't a trading name of Yorkshire Building Society, but of "The Co-operative Bank p.l.c., part of The Co-operative Financial Services". :)
mk-donald;7000266
Probably best to search on specialist money/finance/savings sites - eg you can get 4.8% on an Internet 3yr fixed with Barnsley BS.

MKD

Mate barnsley bs is part of Yorkshire building society.So its the same.
Probably best to search on specialist money/finance/savings sites - eg you can get 4.8% on an Internet 3yr fixed with Barnsley BS.

With your 4.65% Yorkshire the REAL edge is that apparently you can do in branch if you'd prefer that route.

MKD
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