Yorkshire Bank

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Company Information

Yorkshire Bank (YBonline.co.uk), founded in 1859 in West Yorkshire, has been a trading name of Clydesdale Bank plc since 1990. The bank has 182 branches across the UK and 44 Financial Solutions Centres, and prides itself on its strong commitment to customer service and personalised financial solutions. Most of the bank’s branches are based in the North of England, primarily in Yorkshire.

Yorkshire bank has plenty of different mortgage options for existing customers and newcomers to the bank who are looking to buy their own home. The bank has a range of options for first time buyers who are starting out on the property ladder. Yorkshire Bank received the Moneyfacts award for “Best First Time Buyer Mortgage Provider” for its exclusive first time buyer offers. Customers who are new to mortgaging can get a deal from Yorkshire Bank with a low 5% deposit, and receive £250 cashback if their mortgage application is successful. These mortgages also come with no arrangement fees to give customers a little extra to spend on their move.

Buyers moving into their second home can also access a range of exclusive mortgage offers from Yorkshire Bank, including Fee Saver mortgages that eliminate arrangement fees.

Fixed rate mortgages are available in two or five year timeframes and with or without fees, but Yorkshire Bank does not currently offer tracker mortgages. The bank does have Offset mortgages and Offset Variable Rate mortgages that allow customers to use their savings account to bring down their repayments.

Customers can apply for a mortgage from Yorkshire Bank on the phone or by appointment at their local branch. The bank’s website also has a Live Chat feature where customers can speak to advisers at any time to ask questions or receive information about the mortgages on offer. They can also make an enquiry through an online form and request a phone call or appointment.

7 Reviews of Yorkshire Bank have been submitted - read the latest 3 below

I have never taken out a loan in my life not even to buy a car, as Ive always gone out of my way to save for everything that I ever purchased.

I bought my first motorbike cash, then my first and second cars, always refusing to borrow money.
I have always rented and when I was a young boy I promised myself that I would also buy my first house cash.

This turned out to be a tall ask though... and although I saved enough for a nice deposit, there is no way I can buy a house cash unless its a studio...
Being now 42 years old and having fallen in love with my wife who has 2 children from her first marriage. So we really need a 3 bedroom house.

I broke down and went to Yorkshire Bank. They were incredible. I'm really impressed. I took out a mortgage over 15 years, with a decent interest rate and affordable repayments. I was also told that I can pay off the loan quicker meaning that if I do, a good portion of the interest will be knocked off, so I'm really pleased with my decision. I recommend this bank!

Review posted by Don Anderson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My wife and I are first time homebuyers and were really intimidated by the whole mortgage thing. Luckily, Yorkshire Bank helped us out loads and made things much easier than we thought they’d be. The adviser gave us advice, helped us pick out the mortgage from their range and explained the whole application procedure to us before we started so we felt more confident. Once the application was being processed the adviser kept us posted regularly so we were always informed, and made sure that we had out budget in order so we’d meet the repayments without any trouble.

We ended up applying for a fixed rate mortgage from Yorkshire Bank so we could budget easily for it. The application was quick and simple to complete and a month later everything was finished up. Yorkshire Bank was great and all of their staff were wonderful- very impressed and relieved that we now have our very own home to start our family in.

Review posted by Jack Hall

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

What a brilliant bank. The staff at Yorkshire Bank go out of their way whenever they can to help their customers out in any way, I’ve been singing their praises for years now. Their mortgage process is extremely straightforward and simple, and they get it done really efficiently without making you hang around for months unsure of what will happen and worrying.

I’ve been banking with Yorkshire Bank for the past 15 years and I have no plans to ever switch. When I took out a mortgage with the bank they helped me find the best rate and repayment term, answered all my questions and got my mortgage ready in a matter of weeks.

The customer service is the best- if you ring up the call centre there’s always a human ready to speak to you very quickly and they’re always keen to help.

I couldn’t recommend Yorkshire Bank more highly! This is bank that really treats its customers well.

Review posted by Ryan Smithson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money