Yorkshire building society - has anyone has had a mortgage with them?

Nikkilevel27

I submitted my full application last Thursday. Submitted all required paperwork yesterday.

I've heard they can be quite fussy or strict.

Just looking to see if anyone has any experience with them?

Many thanks!:)

SG27

I've been with YBS for 5 years. Very happy with them, good service. Im currently porting my mortgage and borrowing more. I hsve heard they are strict but fingers crossed so far not had any issues.

Nikkilevel27

Thank you SG27

dimbo61

I was a Ybs mortgage customer for nearly 10years and we had a simply brilliant product called an offset mortgage with family and friends.
Local branch in our town which helped big style.
Can be strict on lending criteria but good rates and we Love offset mortgages

pink_pirlie

We got our mortgage with them this year. No issues at all.

Partner had been in the U.K. less than 2 years and we didn!!!8217;t have any issues with that. We were really limited on lenders as a result.

Both on 24k pa. borrowed a little under £180. We put down 30% deposit.

We applied in branch. All very smooth. Few questions from underwriter. Mostly about our weird address situation as our bank and electoral roll different to where we were living.

Good luck

Nikkilevel27

pink_pirlie wrote: »

We got our mortgage with them this year. No issues at all.

Partner had been in the U.K. less than 2 years and we didn!!!8217;t have any issues with that. We were really limited on lenders as a result.

Both on 24k pa. borrowed a little under £180. We put down 30% deposit.

We applied in branch. All very smooth. Few questions from underwriter. Mostly about our weird address situation as our bank and electoral roll different to where we were living.

Good luck

Sounds good. They did query my strange address too. Nightmare being in a block of flats. Plus I confused them with my previous address as it was the same address but different flat number. (My mum lives upstairs!)

Fingers crossed.

Nikkilevel27

This mortgage application seems to be really slow.

Nothing has been updated since the 5th of June and I don't want to phone them and hassle them.

pink_pirlie

To give a rough timeline for us with YBS (give or take a day or so in the middle as it was 6 months ago!)

Day 1- Applied in branch
Day 6 - Call to query some details
Day 7 - Called to collect fee for valuation (and done within a couple of days)
Day 13 - Called to query some more details
Day 14 - Called for us to pay the reservation fee as were going to issue mortgage
Day 15 - Mortgage offer issued.

I don't know where in the process you are, but I would give it a couple more days and give them a call.

Nikkilevel27

I spoke too soon pink_girlie.

Just had an email to say my mortgage offer is in the post! Haha.

Thank you for that though

Shamim26

Hi I was going to apply for mortgage from YBS after u do ur dip how many month payslip they ask for and does they ask for bank statement and also my wife started work on June and been only one month on her recent job

Shamim26

Hi Nikki could u tell me what they ask for my wife recently started work on June and been for one month and how many payslip they ask for and any bank statement they ask for