Yorkshire building society two-year fixed rate mortgage 1.82%, 90% LTV, £995 fee, £250 cashback
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Yorkshire building society two-year fixed rate mortgage 1.82%, 90% LTV, £995 fee, £250 cashback

Editor 9
Editor
Found 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 best 90% rate is from Natwest at 1.84% with a £995 fee. Most 90% LTV two-year deals are over 2%.

How to compare mortgage deals
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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I read this quick as Yorkshire pudding society.
9 Comments
From experience, most people would struggle with YBS with such a high LTV.

YBS/Chelsea have always been funny about higher LTVs (despite offering them), anything over 60-70% and they often don't want to know.
I read this quick as Yorkshire pudding society.
Normally when’s the earliest you can change mortgage provider before the fixed runs out?
i thought we were moving away from 10% mortgages?
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.
lastjunkie3 m ago

i thought we were moving away from 10% mortgages?


You can get 100% mortgages now again
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.....
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
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
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