You’ll need a Decision in Principle first 

Before you apply for a mortgage, you’ll need to get a Decision in Principle (DIP). 

A Decision in Principle lasts for 90 days. After this, you’ll need to renew it.

If you have a DIP, you can continue to your full mortgage application. Please read the important information on this page before you apply.
Already got a mortgage with YBS? Go to existing customers.
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Full mortgage application

Takes just 15 minutes online
Simply enter your details and you could complete your application in as little as 15 minutes.

You can save your application as you go and complete it later.
It reserves your mortgage deal
If you've found a deal you like, you can complete your application now to reserve it.

You will be able to get this deal if we make you an offer within 90 days, even if it's no longer available.
Your offer is valid for 6 months
Once we’ve assessed your application and a valuation has been carried out, we can make you a mortgage offer. 

Your offer will be valid for 6 months.

Important information

Application checklist
You’ll need the following to hand:
Property details
Current mortgage or tenancy agreement
Employment details
Bank details for setting up your payments.
Mortgage deal availability
We review and update our mortgage deals regularly. If you have a deal in mind, check that it's still available before you start your application. You can check what deals are available using our mortgage finder.
Fees and charges
Find out more about mortgage fees and charges that you may have to pay when you apply for a mortgage.
Conveyancing
When you apply for a mortgage or a remortgage, you need to appoint a conveyancer. These are solicitors who can act on your behalf when you take out a mortgage. You can complete your application form without one. If you need help you can use our conveyancing service.
What happens next with your application
We’ll do what we can to get you a formal mortgage offer quickly. 

Here are a few ways you can help speed things up.
Pay any outstanding fees as soon as you can. The earlier we receive your valuation fee the quicker we can get started
We may ask for references or for you to verify your identity. We won’t be able to continue with your application until we hear from you.  
As part of your application, we’ll complete a credit search. This will leave a record on your credit file. 
You can find out more about credit checks by visiting Equifax.

Start your full mortgage application

Apply online

If you’d like to receive advice, apply over the phone.

If you’re happy to continue without any advice, you can apply online.

Speak to an expert

Get advice and apply over the phone with our mortgage specialists. 
9am to 5pm Monday to Friday
9am to 1pm Saturday
Or book an appointment and we’ll call you back.
Calls to 03 numbers are charged at the same rate as 01 or 02 numbers from all phones.

How to apply for your mortgage

There are two ways you can apply for a mortgage with Yorkshire Building Society

Without advice ('execution only') - online
With advice over the phone

Getting a Decision in Principle online without advice

If you apply for a Decision in Principle online, this is known as an 'execution only' application. It’s designed for those customers who have a good understanding of the mortgage application process and have identified the product they want to apply for.

It does mean that you won't be eligible to receive advice on your mortgage application.  But if you change your mind and decide you would like some advice once you’ve started your application, you can swap how you apply for your mortgage from online to over the phone.

Before applying for your mortgage online, you must be aware of the following:

  • The product you wish to apply for including the interest rate and term of it
  • Interest rate type e.g. fixed, or variable
  • The early repayment charges associated with the product
  • The price or value of the property you are looking to purchase
  • The amount you want to borrow
  • The length of term required

If you choose a mortgage without advice (execution only)

  • You should be comfortable choosing the right mortgage without our advice
  • We won’t advise if the mortgage you select is the right choice for your needs, which means that you’ll be giving up the benefits of Financial Conduct Authority protection on mortgage suitability
  • We will still assess whether you can afford the mortgage

If you are unsure about any of the above, a mortgage application with advice may be more suitable for you.

Benefits of receiving mortgage advice

A mortgage is likely to be the largest financial commitment you make in your life, therefore you may benefit from speaking to one of our mortgage advisers over the phone.

A mortgage adviser will be able to review your incomings and outgoings and make a suitable mortgage term and product recommendation to suit your individual needs.

An adviser will be able to provide guidance on the following, amongst other points depending on your circumstances and needs:

  • Mortgage term
  • The interest rate on your chosen mortgage deal vs the product fee you may have to pay for selected deals where the interest rate is lower
  • The affordability of the loan
  • If a fixed or variable rate would best suit your circumstance