- Ways of banking More ways of banking links
Internet banking
Mobile banking
Telephone banking
Branches, ATMs and Post Offices
Useful information
- Current accounts More current account links
Our current accounts
Choosing an account
- Credit cards More credit card links
Benefits of a credit card
- Savings More savings links
Instant access accounts
Fixed term and notice
Tax efficient savings
Limited offers
Children's savings
- Loans More loan links
Tools and guides
Useful information
- Mortgages More mortgage links
New mortgage customers
Existing mortgage customers
Our mortgages
- Insurance More insurance links
Types of insurance
Useful information
- Travel
1st place for your first place
Move into your first home with a mortgage from the Best Regional Mortgage Lender.
Applicants must be aged 18 or over. All loans are subject to status.
Tools & calculators
Find out how much you could borrow, estimate monthly payments and request an Agreement in Principle.
Request an Agreement in Principle How much could I borrow? Estimate mortgage repaymentsYour home may be repossessed if you do not keep up repayments on your mortgage
Helping first time buyers
New can be scary. As a first time buyer the whole process is new to you, which can be intimidating. Our first time buyer mortgage products give you the benefit of our years of experience as a lender. We'll be there on your journey to offer advice. Our advisors can help you find the right mortgage for you, and our mortgage calculator and other online tools can help you to steer your course.
Benefits of our first time buyer mortgage products
Our first time buyer mortgage products are designed to reassure and reward you, to help make the process of getting your first mortgage as pleasant and enjoyable as possible. To qualify for a Yorkshire Bank first time buyer mortgage, you must be aged 18 or over and live in the UK. At least one party to the mortgage should never have had a mortgage or not had a mortgage in the last 12 months. All loans are subject to status and security will be required.
- First time buyer mortgage products £75,000 or over get £500 cashback at mortgage drawdown. Other fees apply. Offer ends 31.10.19. Also available on other selected mortgages*.
- First time buyer mortgage products under £75,000 get £250 cashback at mortgage drawdown.
- Fixed interest rates - Have the comfort of knowing what your monthly repayments will be for your fixed term.
- Expert advice - Get the right help and advice you need to help you find the right mortgage from those we offer.
- Home insurance discount - Get a no claims discount on our home and contents insurance, provided by RSA.**
- No product fee. Other charges may apply. Early Repayment Charge applies during fixed rate period.
- Free standard valuation.
Maximum first time buyer mortgage loan amount is £750,000.
* Excludes buy to let, offset variable rate, some private mortgages and internal products switches. Fees may apply. All loans subject to status.
** Applies to new home insurance customers who have not claimed on their home insurance in the past 4 years and may not be used in conjunction with any other offer.
Our first time buyer mortgages
Please review our table of mortgage products. Refer to “customer type” column on the table of mortgage products for specific first time buyer products. Other mortgages are available for those buying their first home.
Help with your first time
- First time buyer mortgage options
- Renting vs buying
- Saving for a mortgage deposit
- Buying a home timeline
Saving for your mortgage deposit?
We know saving for a deposit for your first home is difficult. With a Help to Buy ISA, the government will pay a bonus of 25% on account balances between £1,600 and £12,000 when you purchase your first home in the UK. Terms and conditions apply, this bonus amount is paid directly to the conveyancer and is not released if the house purchase is not completed. Only available for house purchases under £250K (or under £450K in London). Withdrawing from your ISA will reduce your balance saved and impact the bonus the government will pay.
Please refer to our Help to Buy: ISA webpage for more details#
#There are eligibility criteria and terms & conditions for the Help to Buy: ISA. The account holder must be a UK resident. The product is only available to first time buyers who have never owned a property.
You can also refer to www.helptobuy.gov.uk to understand more about the benefits provided by the government.
More help with mortgages
Supporting you on your journey
We’ve created a range of tools and guides to help you understand the mortgage process.
Financial aspects to consider
Make sure you’re aware of the costs of buying a home and how many factors can influence the mortgage rate you get.
Interested in a mortgage?
Your next steps
-
Find out what you could potentially borrow in just 10 minutes - it won't affect your credit score.
Request an Agreement In PrincipleMeet with an advisor to discuss our mortgages or apply for one.
Give us a call
-
If you've got any questions, get in touch.
Mortgage application enquiries
Mon-Fri 8am-8pm, Sat 9am-5pm and Sun 10am-4pm
Existing mortgage servicing enquiries
Mon-Fri 8am-5pm
You may also be interested in
Top Mortgage questions
You can find impartial information and guidance on money matters on the “Money advice service” website.
Yorkshire Bank is covered by the Financial Services Compensation Scheme (FSCS), Find out more.