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Financial aspects of owning a home
Your home may be repossessed if you do not keep up repayments on your mortgage
Consider how the numbers all add up
Buying a home is a journey. These tools and guides can help take the first steps by getting an initial idea of how much you might be able to borrow, giving you some ideas on how to save for your deposit and helping you make sure that your mortgage is affordable for you. There’s also advice for further down the road on the additional costs of buying a home and how to cope should your circumstances change or interest rates go up.
We can use our experience to help make the process as simple as possible for you. The guides and tools below can help you get an idea of how much of a mortgage you can afford, how to budget towards it, as well as planning for potential costs that you hadn’t considered. With careful planning the journey towards buying your new home should be an enjoyable one and we aim to support you at every step.
How your credit score affects you
This guide from Yorkshire Bank will help you understand how your credit score affects your mortgage application and provides advice on how to improve it.
How much can I borrow?
How much you may be able to borrow and advice on avoiding overstretching yourself.
What mortgage is affordable?
Making sure that your mortgage is affordable now and in the future will ensure that you can enjoy life in your new home.
The cost of moving house
Make sure you’re aware of all the costs of moving house. From Land Taxation to life insurance, these costs can really add up – plan ahead and avoid pain.
What happens if my circumstances change?
How to protect yourself and your mortgage if your life changes.
If your mortgage interest rates rise?
How interest rates affect your mortgage and how to make sure your mortgage stays affordable if they rise.
Find out more on what a rise in interest rates could mean for your mortgage
Tools and guides
First time buyers guides and tools
Help on the journey to owning your own home.
Mortgage jargon dictionary
Find out what you need to know in plain English with our mortgage jargon buster.
Mortgages for the self-employed
How to improve your chances of a successful application when working for yourself.
The mortgage process explained
Getting a mortgage can seem like a complicated process but we're here to make it as easy as possible for you.
Buy-to-let mortgages explained
Is a buy-to-let property the right investment for you? Find out with our examination of the many aspects involved.
Online enquiries
Complete our online enquiry form and one of our advisors will be in touch to discuss your mortgage requirements and available options.
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Got a question? Our advisors are available through live chat to help you find the answers.
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Speak to an advisor
Get in touch to discover how our advisors can help you.
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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.