Yorkshire Building Society Deals

Yorkshire Building Society Deals & Offers

8 hot deals

All Yorkshire Building Society Deals, Discounts & Sales for February 2018

Yorkshire building society: Five-year fix 1.84%, £1,495 fee, £250 cashback, 75% LTV
85°
Found 21st FebFound 21st Feb
Yorkshire building society has re-vamped its mortgage range. One of the standout products is this: Five-year fix at 1.84% Fee £1,495 Cashback £250 (in effect this reduces the f… Read more
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Be aware that they are one of the lenders who do get you to pay solictors fees. They aren't obvious anywhere in comparison engines, but they do come up in the application. Basically another £500 of fees right there. Their 1.74% on 65% LTV is still just about worth it for us though.
Got a 1.99% on a five year fix on 9 years with a low LTV with no fees at all with First direct , been 12 days since moved in and cried every day especially today had a look for the first time of our sold house on Whitgates.
probably worth including the below additional costs:

1) £90 Payable on mortgage redemption
2) standard valuation fee of £390
Yorkshire building society two-year fixed rate mortgage 3.29%, 95% LTV, £995 fee, £500 cashback
33°
Found 11th JanFound 11th Jan
This is a great rate for someone with just 5% deposit/equity, i.e. needing a 95% LTV mortgage: Two-year fix at 3.29% £995 fee £500 cashback However, buyers who can scrap… Read more
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Lots of people think brexit will be a trigger, but there will be no brexit, sadly. So, yes, if only you can buy it now, don't hesitate. Although I hope you are right, that would help me to get one as well.
haa051816 m ago

Not that long... 1-2 years max


Supply and demand sunshine you really think supply will overtake demand in the next year or two your dreaming
haa05183 h, 58 m ago

Thank you. Really helpful. Need to get on the property ladder waiting for …Thank you. Really helpful. Need to get on the property ladder waiting for market to crash.


Be waiting a while then
MonkeyMan904 h, 4 m ago

It's really easy to do. There are loads of comparison sites put there who …It's really easy to do. There are loads of comparison sites put there who will show you the best deals. Most people remortgage every 2 3 or 5 years depending on length of fixed term. It's just as easy to insure your car than it is to remortgage. I recently remortgaged for a better fixed rate and it took about 3 minutes


Thank you. Really helpful. Need to get on the property ladder waiting for market to crash.
Yorkshire building society two-year fixed rate mortgage 1.82%, 90% LTV, £995 fee, £250 cashback
255°
Found 11th JanFound 11th Jan
This is the best rate I can currently find for someone with 10% deposit/equity, i.e. needing a 90% LTV mortgage: Two-year fix at 1.82% £995 fee £250 cashback The next be… Read more
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Went for a 5year fix at 1.99% for a 10 year with an LTV of 26% no fees with First Direct what a slog , been many months only handed the signed mortgage and deeds to solicitor on Wednesday. Can't imagine what it would be like with going for a 100%!
Edited by: "morrig" 12th Jan
lastjunkie56 m ago

less than 10 years to forget our lessons.looking forward to the impending …less than 10 years to forget our lessons.looking forward to the impending pop & crash.....


Stricter lending criteria today I believe
Shard56 m ago

You can get 100% mortgages now again


less than 10 years to forget our lessons.

looking forward to the impending pop & crash.....
lastjunkie3 m ago

i thought we were moving away from 10% mortgages?


You can get 100% mortgages now again
You can't change it unless you want to pay some fees (1-2% of the mortgage in the last year). If you remortgage then the new mortgage provider will pay off your current mortgage when the fixed therm will finish. You can sort it out normally within 3 months before the end of your fixed period as most banks gives 3 moths validity for thier remortgages offers but you can find some places where that offer is valid for 6 months so you could start dealing with it 6 months before your fixed runs out.
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Yorkshire BS two-year fixed mortgage 3.39%, up to 95% LTV, £995 fee but £500 cashback
-81°Expired
Found 1st Dec 2017Found 1st Dec 2017
If you’re looking to buy your first home but just have a 5% deposit, Yorkshire building society has some pretty decent deals. The headline grabber is: Two-year fix at 3.39%… Read more
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95% Ltv hence higher interest rate
oldskoolpug25 m ago

Why people voting cold?


Because they don't know interest rate has gone up
Why people voting cold?
Yorkshire building society discounted SVR mortgage, initial rate 0.87%, max LTV 65%, £1,495 fee
57°Expired
Found 30th Oct 2017Found 30th Oct 2017
Yorkshire building society reckons it’s currently offering the “lowest ever” mortgage rate with a two-year discounted standard variable rate (SVR) with an interest rate currently o… Read more
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Also discounted variable so when rates rise so will the rate! And even though won't be rising fast this could be 1.02% in little over a month
Edited by: "Anon32" 30th Oct 2017
I had a bad experience with YBS resulting in them having to pay compensation.
I wouln't go anywhere near them now.
Edited by: "CrazyBob" 30th Oct 2017
Fee could be a killer, so check how much you would actually save over the 24 months when you add in £5 short of £1,500!
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1.55% five-year fixed mortgage from Yorkshire building society
398°Expired
Found 28th Sep 2017Found 28th Sep 2017
Fancy a five-year fixed mortgage? If so, this deal from Yorkshire building society is worth checking out. It’s been launched at a time of increased speculation that interest rate… Read more
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expired :0)
Where just around to remortgage to YBS to an offset. They have a fantastic product which allows linked accounts from family and friends so thankfully on our £250k nearly £175 k is going to be offset by grandparents. The rates 1.59%. If anyone is in a similar position it's a no brainer
No interest is better than 1.5% interest, but 3.75% is considerably worse. Unless you're offsetting most of the balance, you're wasting money.

You don't need an offset mortgage to have a flexible mortgage. Most arrangements now allow for overpayments, underpayments, payment holidays etc. But they don't need to be stupidly over-expensive on the rate like offset mortgages tend to be.
ro53ben29th Sep

You're not getting 4% on your savings at all. Juggle the numbers all you …You're not getting 4% on your savings at all. Juggle the numbers all you like but you can't overpay for interest on your mortgage then claim your getting this as a return on your savings.If this worked, we'd all be signing up to 100% mortgages and that offsetting to get 101% interest on our savings. It doesn't work like that.You have an offset mortgage at 3.75% - every £100 borrowed is costing you £3.75 a year. If you have £100 in savings, you are saving that £3.75 a year. You're not gaining, you're just not paying interest unnecessarily on money you didn't need to borrow.You would be better off shifting to a cheaper mortgage and using your savings to reduce the loan amount.


I did say the mortgage needs to fit your lifestyle etc, I understand that 3.75% is a higher rate than 1.5%, but an offset mortgage is totally flexible, can overpay when I ever I want, £500 spare end of one month chuck it in there, so instead of sitting in a current account earning 0.01% interest cause I have already maxed out all the best rates I stick in the offset account and that £500 saves me paying interest on that £500 of the outstanding mortgage, no interest is better than 1.5% interest. Plus unlike paying it off as you suggest I can access the money whenever I want, but whilst I don't need it it's working for me. It's been really surprising how quickly the amount in the offset built it, to a point that it now almost matches my outstanding loan amount, so before long I'll be paying zero interest on the lot.
Edited by: "margamboy" 13th Oct 2017
Opted for the 1.75% offset. This is very good for those with larger loans but having the flexibility with offset seals it for me.
0.99% two-year fixed mortgage from Yorkshire building society
399°Expired
Found 28th Sep 2017Found 28th Sep 2017
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. … Read more
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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.
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
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.
He would have thanked them with all the interest he paid! It wouldnt cost the bank a penny to say Thank You
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.
Yorkshire Building Society cheapest mortgage deal goes on offer 0.89%
222°Expired
Found 21st Apr 2017Found 21st Apr 2017
Just seen on sky news! Yorkshire Building Society 2 year discounted SVR with an initial rate of 0.89% variable (YBS Standard Variable Rate -3.85%) until 31/08/2019. Product fee: … Read more
The_Hoff

Guessing you've never used one?



There's no need unless you have very complex borrowing requirements. I have done the last 3 remortgages myself, with a bit of research and access to a mortgage comparison website it's very straight forward.
fees fees fees
The_Hoff

Guessing you've never used one?


Not for a mortgage no. Not difficult to ascertain the best option for that. I do work in finance so I might have a slight advantage over Joe Public to be fair.
Paying £1500 quid every two years to avoid an SVR, seems ludicrous,
that's the reason most people I know have base rate trackers and are paying considerable over payments.
2 years
this deal is poor
3 year fixed Rate Mortgage 1.64% - 65% LTV fixed until 31/07/18 £845 product fee
253°Expired
Found 9th Jul 2015Found 9th Jul 2015
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 int… Read more
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Original Poster
ran123ran

Although its not fixed, Nationwide do a 3 year tracker at 1.69% with no … 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

They do an independent valuation if they deem it required, based on your … 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, … 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.
2 yr fixed rate mortgage @ 1.29% for 75% LTV @ Yorkshire building society
295°Expired
Found 20th Jun 2015Found 20th Jun 2015
Available to first time buyers, moving home and those looking to remortgage.
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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 LOL


Edited by: "craigsville" 22nd Jun 2015
craigsville

25 yrs, but I did over estimate the min mortgage value :-( It breaks … 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% LTVYBS 1.29% £858.32 x 24 + £975 fee + £400 approx legal / valuation fees = £21975Tesco 1.79 % £910.15 x 24 + £195 fee - no legal / valuation fees = £22039Accord 1.84% £915.44 x 24 - no fees at all = £21971 £200K / £280K LTV 71% LTVYBS 1.29% £780.29 x 24 + £975 fee + £400 approx legal / valuation fees = £20372Tesco 1.79 % £827.41 x 24 + £195 fee - no legal / valuation fees = £20053Accord 1.84% £832.22 x 24 - no fees at all = £19973£150K/ £200K LTV 75% LTVYBS 1.29% £585.22 x 24 + £975 fee + £400 approx legal / valuation fees = £15625Tesco 1.79 % £620.56 x 24 + £195 fee - no legal / valuation fees = £15088Accord 1.84% £624.16 x 24 - no fees at all = £14980Hope 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)
Monaco Blue

How many years are you calculating the original term at, as I'm not … 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" 22nd Jun 2015
2yr Fixed Rate Mortgage - 65% LTV, 1.18% [YBS launches lowest mortgage rate in 150 year] @ Yorkshire Building Society
60°Expired
Found 2nd Mar 2015Found 2nd Mar 2015
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 … Read more
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Comment

ghunj

It looks like they also have 1.29% with £845 fee (and prob £130 a … 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

look for another deal! unless your useless!



"you're"

............
Original Poster
ChickenDinner2000

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



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

1.64% 2-year fixed rate mortgage (max 65% LTV) with £345 product fee from Yorkshire Building Society
102°Expired
Found 19th Jan 2015Found 19th Jan 2015
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.
joangreen50

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

That's a difference of 0.34% a year, or approx. 0.68% over the 2 years of … 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.
£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 … 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!
Best Bank Accounts
852°Expired
Found 15th Nov 2013Found 15th Nov 2013
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 … Read more
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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. IntroductionWelcome to this thread. I continually edit the first few … 1. IntroductionWelcome 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 AreaI 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 ListI 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 creditsDirect Debit PaymentsA-Z of bank/building society sort codes/account nosAccount opening date and 13th paymentsWebsites with useful information include:Moneyfacts.co.uk News PageMoneyfacts.co.uk Regular Savings Accounts PageMoneyfacts.co.uk Children's Savings Accounts PageMoneysupermarket.com Regular Savings Accounts PageSavings Champion Regular Savings Account PageeMoneyfacts 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 DateThe 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 MonthsThe interest rate drops significantly after the date specified.4. Matures After 12 MonthsThese 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 AccountThese 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 MonthsThese accounts are usually Christmas Saver accounts designed to encourage saving in time for Christmas.8. Homebuyer AccountsOkay, 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 AccountsThese 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 … 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
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 … 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.
2.64% 5+ Year Fixed Offset until 30/09/18 @ Yorkshire BS Mortgages
-57°Expired
Found 27th Jun 2013Found 27th Jun 2013
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, fo… Read more
Monaco Blue

Blazing deal for an offset mortgage. Really not sure why this is cold. … 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

I would prefer to discuss the deal rather than your stupidity.


You're just sour that your deal went cold.
Original Poster
reakt

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.
Original Poster
stedoc1

You can get lower % with much lower fees if you shop around.


Those are not 5 year ones.
Fixed Rate Bond @ 4.05% gross pa/AER - Yorkshire Building Society
Expired
Found 19th May 2011Found 19th May 2011
* 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†… Read more
Banned
realblender

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)

bmsavings.co.uk/sav…703

Edited by: "csiman" 22nd May 2011
Original Poster
roundster

cold, nationwide is at 4.2% for 3 years



Where? For new customers? Not an ISA? I want some of that!
Banned
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 … 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
3 year fixed E bond @ 4.65% gross.Yorkshire Building society
-9°Expired
Found 25th Nov 2009Found 25th Nov 2009
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 allo… Read more
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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.
moneymadeclear.fsa.gov.uk/new…tml

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":
barnsley-bs.co.uk/sav…tml

PS:
I rest by my "Do research..." statement - just seen another HUKD for 5.0 for 3yrs (albeit for 5K+)
hotukdeals.com/ite…ond
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".
Original Poster
mk-donald;7000266

Probably best to search on specialist money/finance/savings sites - eg … 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