Yorkshire building society 2-year fixed rate mortgage 1.32%, 65% LTV, £495 fee
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Yorkshire building society 2-year fixed rate mortgage 1.32%, 65% LTV, £495 fee

Editor 18
Editor
Found 11th Apr
Hey, if you’re looking for a new mortgage, this fix from Yorkshire building society isn’t bad.



It offers:

  • Two-year fix at 1.32%
  • £495 fee
  • Free valuation
  • Available up to 65% LTV (35% deposit/equity)
  • Available for home movers, remortgagers, first-time buyers
  • Overpayments (monthly or lump sum) up to a total of 10.0% of the outstanding loan per year are allowed without charge

How to compare mortgages


As always, it’s important to calculate the total cost of a mortgage deal. You can do this by adding together the total monthly payments over the fixed period (2 x 12 = 24 payments in this case) then adding any product fee minus any cashback.
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18 Comments
Scroll down their page a bit further
33618488-xWKQj.jpg
Seems a good rate, but if you are going to fix, I cant help thinking you might as well fix for 5 years in the current climate.
iamprobably1 m ago

Scroll down their page a bit further[Image]


Thats based on our example of property value of £330k and outstanding mortgage of £130k... 18 years remaining
Edited by: "iamprobably" 11th Apr
Really fussy underwriters got declined last year would never use them
Just got 5yr fixed rate of 1.79% (£995 fee) from Sainsbury's Bank. Anyone find something better?
teerex11 m ago

Just got 5yr fixed rate of 1.79% (£995 fee) from Sainsbury's Bank. Anyone …Just got 5yr fixed rate of 1.79% (£995 fee) from Sainsbury's Bank. Anyone find something better?


5 year 2.04% £0 fee from Virgin.
1.99% 5 year fix with First Direct, no fee, unlimited overpayments
Both above rates will still cost more despite no fees I think.
teerex6 m ago

Both above rates will still cost more despite no fees I think.


Depends on size of the mortgage.
To get these better rates you would need to have the LTV near the 60% bracket
The ltv rate is the issue. Had my house valued by the mortgage company with an in independent valuer. Despite him knowing the same new build house selling for £25k more, he gave us £0 value increase. Kept us in the 80% bracket. Your at the mercy of others no matter what you do.
teerex4 h, 1 m ago

Both above rates will still cost more despite no fees I think.


Not on my mortgage is doesn’t,my LTV is under 20% though.
Edited by: "Pvfc1234567890" 11th Apr
abz123_20135 h, 43 m ago

Really fussy underwriters got declined last year would never use them


Eh correction. They’d never take you.
They obviously view med you as a higher risk than their threshold allows.
Their money, their risk, their choice.
Oneday7717 h, 8 m ago

Eh correction. They’d never take you. They obviously view med you as a h …Eh correction. They’d never take you. They obviously view med you as a higher risk than their threshold allows. Their money, their risk, their choice.


Looks like a hit a nerve must be ur dads company
abz123_20131 h, 2 m ago

Looks like a hit a nerve must be ur dads company


No nerves here. Though going by your delightful response. Your nerves are frayed and dinner is noodles again.
The only way is up........fix while you can but watch out for those fees if you have a low amount left to pay.
teerex11th Apr

Just got 5yr fixed rate of 1.79% (£995 fee) from Sainsbury's Bank. Anyone …Just got 5yr fixed rate of 1.79% (£995 fee) from Sainsbury's Bank. Anyone find something better?


Fd 1.94 (60% ltv) fixed for 5 years with no fee works out cheaper for me. Plus I can only see 1.89 on Sainsbury’s now
furrygg6 h, 4 m ago

Fd 1.94 (60% ltv) fixed for 5 years with no fee works out cheaper for me. …Fd 1.94 (60% ltv) fixed for 5 years with no fee works out cheaper for me. Plus I can only see 1.89 on Sainsbury’s now


The rate why up the day after I applied. We had been warned by the broker though so we got our application in quickly.
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