0.99% two-year fixed mortgage from Yorkshire building society
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0.99% two-year fixed mortgage from Yorkshire building society

Editor 10
Editor
Found 28th Sep
Cheap mortgage alert!

Yorkshire building society is offering a two-year fix at 0.99%.

The deal is available up to 75% loan-to-value (LTV) – i.e. if you have a 25% deposit.

According to Moneyfacts this is the lowest two-year fixed deal at 75% LTV mortgage on the market.

However, you need to factor in an arrangement fee of £1,495.

To work out of this is the best deal for you, you need to add up the monthly payments over two years (i.e. 24 x your monthly payment) plus the £1,495 fee. Then compare it to other deals using the same calculation.

As a general rule, the bigger your mortgage the more important the rate and the less important the fee, and vice versa.

The deal comes with a free valuation. It’s available to both house purchase and remortgage borrowers.

10 Comments

75%? Wow. I assumed this would be 60% LTV. Very good deal, thanks OP.

Hotttt!

Wow what a deal! Unfortunately for me the exit fees from my mortgage make this not worth my while

Tied up and paid off my (small) morgage off in March after 25 years, without incident to YBS, and was then charged £160 to get my deeds back. Took about 2 or 3 months, and they arrived without even a 'Thank You' for my business - ie their interest - for the last 25 years. Not impressed.
Edited by: "airdsuk" 28th Sep

airdsuk1 h, 12 m ago

Tied up and paid off my (small) morgage off in March after 25 years, …Tied up and paid off my (small) morgage off in March after 25 years, without incident to YBS, and was then charged £160 to get my deeds back. Took about 2 or 3 months, and they arrived without even a 'Thank You' for my business - ie their interest - for the last 25 years. Not impressed.



Thank you from a Bank , what do you think they are , they are certainly not a charity. You have seen Mary Poppins .

airdsuk6 h, 13 m ago

Tied up and paid off my (small) morgage off in March after 25 years, …Tied up and paid off my (small) morgage off in March after 25 years, without incident to YBS, and was then charged £160 to get my deeds back. Took about 2 or 3 months, and they arrived without even a 'Thank You' for my business - ie their interest - for the last 25 years. Not impressed.

Have you thanked them for allowing you the means to buy your house? It's a mutual relationship where both parties benefit after all.

He would have thanked them with all the interest he paid! It wouldnt cost the bank a penny to say Thank You

BenLoco7 h, 56 m ago

Have you thanked them for allowing you the means to buy your house? It's a …Have you thanked them for allowing you the means to buy your house? It's a mutual relationship where both parties benefit after all.



Er-r that was their interest over 25 years! Wouldn't have cost anything for a bit of politeness to a reliable, long term customer. But they've blown it, savings accounts are now elsewhere.

airdsuk7 h, 36 m ago

Er-r that was their interest over 25 years! Wouldn't have cost anything …Er-r that was their interest over 25 years! Wouldn't have cost anything for a bit of politeness to a reliable, long term customer. But they've blown it, savings accounts are now elsewhere.


Do you think the bank your with now would have said thank you either? Just look for the best deal for yourself and stick there regardless of a thank you or not, a good deal is greater than a thankyou

dimuc13 h, 15 m ago

He would have thanked them with all the interest he paid! It wouldnt cost …He would have thanked them with all the interest he paid! It wouldnt cost the bank a penny to say Thank You

By that logic they thanked him by lending him the money.

I know a lot of people who'd be thankful if they were able to get a mortgage in the first place, with any bank. For them it's personally important, for a bank it's just business. Look at it that way and you should be happy instead of disappointed with such a small issue.
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