Yorkshire building society two-year fixed rate mortgage 3.29%, 95% LTV, £995 fee, £500 cashback
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Yorkshire building society two-year fixed rate mortgage 3.29%, 95% LTV, £995 fee, £500 cashback

Editor 10
Editor
Found 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 scrape together another 5%, and bring their LTV down to 90%, can get a much better rate from YBS. It’s offering a two-year deal at 1.82% at 90% LTV, with a £995 fee and £250 cashback.

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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10 Comments
What happens after these 24months. Is it easy to switch mortgages. Sorry i am new to all this so just learning
haa051812 m ago

What happens after these 24months. Is it easy to switch mortgages. Sorry i …What happens after these 24months. Is it easy to switch mortgages. Sorry i am new to all this so just learning


All you do is remortgage for another fixed term but be aware not many places offer 95% mortgages so you will either have to make sure you have 10% equity or you are willing to go on a variable rate which tracks at the bank of England Interest rates
Edited by: "MonkeyMan90" 12th Jan
MonkeyMan9047 m ago

All you do is remortgage for another fixed term but be aware not many …All you do is remortgage for another fixed term but be aware not many places offer 95% mortgages so you will either have to make sure you have 10% equity or you are willing to go on a variable rate which tracks at the bank of England Interest rates


I will need to learn all of this before getting a mortgage. So does everyone remortgage every 2-3 years?
Edited by: "haa0518" 12th Jan
haa05187 h, 15 m ago

What happens after these 24months. Is it easy to switch mortgages. Sorry i …What happens after these 24months. Is it easy to switch mortgages. Sorry i am new to all this so just learning



Get yourself a recommended independent mortgage advisor. They have access to the best deals and can take a lot of the stress and leg work out.
haa05188 h, 26 m ago

I will need to learn all of this before getting a mortgage. So does …I will need to learn all of this before getting a mortgage. So does everyone remortgage every 2-3 years?


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
Edited by: "MonkeyMan90" 12th Jan
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.
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
RichardDouglas26 m ago

Be waiting a while then


Not that long... 1-2 years max
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
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.
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