Yorkshire Bank - offset mortgage

kdmbudd

Hi

Have been looking at mortgages for a while (whilst trying to buy a house) in particularly at offset mortgages as I don't work all the time so are more flexible for me to pay when I can and just pay interest when I can't.

I have just come across what seems to be a really good deal with Yorkshire Bank with up to 90% ltv, lending criteria based on an approximate of joint salary x 3.5, £999 arrangement fee and a variable rate of only 4.74

Please could people give me any thoughts on this, in particular about Yorkshire Bank whom I know nothing about.

Thanks
K:think:

KevinM2k_2

I am looking at exactly the same deal! Was a bit worried about it being variable rate just as I cant see the rates going down much more now, but its by far the best with a 90% mortgage that i've seen and I quite like the idea of offset mortgages too.

i have spoken to yorkshire bank and they have confirmed the deal, as long as you dont go over the 90% threshold.

So yeah if anyone has anymore information on this or other criteria that would be helpful (or even other suggestions), not sure about thread owner but personally I need this mortgage yesterday!! nightmare!!!