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    Guides

    As life unfolds and memories are made, Yorkshire Building Society are here to support you

     
    Mortgage guides
    Savings guides
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    Savings guides

    Joint savings accounts explained

    Find out how joint savings accounts work and how you may be able to open one with Yorkshire Building Society.

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    Savings guides

    Quishing: How to spot and avoid QR code scams

    QR code scams – also known as quishing scams - use fake QR codes to steal money or personal details. Find out how they work and how to spot them.

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    Savings guides

    What is a Fixed Rate Cash ISA?

    A fixed rate cash ISA is a tax-free savings account. You lock your money away for a set amount of time and get a guaranteed interest rate.

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    Savings guides

    What is the ISA additional permitted subscription?

    The additional permitted subscription (APS) for ISAs is an extra ISA allowance. It lets you inherit the ISA allowance of a spouse or civil partner who has passed away.

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    Savings guides

    Cash ISA or savings account?

    Find out the main differences between an ISA and a savings account. Find out why you might pick one over the other, depending on what you need.

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    Savings guides

    ISA deadline explained

    What happens at the ISA deadline? And what does an ISA deadline mean? Find out how the changing of the tax year affects your savings.

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    Savings guides

    What is a building society roll number?

    You use a building society roll number to send money from a bank to a building society. Find out how one works and where to find it.

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    Savings guides

    Flexible ISAs explained

    Want to withdraw money from your Cash ISA? Learn how a flexible Cash ISA works and how it can affect your ISA allowance.

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    Savings guides

    What is a building society?

    A building society is a company that lends money and helps people to save money. They are owned by their members, instead of shareholders.

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    Savings guides

    What is an easy access savings account?

    Easy access savings accounts offer you flexibility around withdrawing money. There may be rules about how often you can withdraw.

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    Savings guides

    Are ISAs tax free?

    If the interest from your savings goes above a set amount, you may need to pay tax. But not with an ISA. Find out how tax and ISAs work.

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    Mortgage guides

    Should I fix my mortgage?

    Whether or not you fix your mortgage will depend on your circumstances and your preference. Find out how fixing a mortgage works.

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    Savings guides

    How to spot and avoid cryptocurrency and bitcoin scams

    Worried about crypto or bitcoin scams? Find out how to spot a cryptocurrency scam and how to keep your money safe.

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    Mortgage guides

    Low Deposit Mortgage Guide

    Thinking about a getting a mortgage deal with a high loan to value ratio? Understand the risks and benefits of taking out a low deposit mortgage.

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    Savings guides

    What is the Personal Savings Allowance?

    What is a Personal Savings Allowance and how does it affect you? Discover more about what the PSA is and what it could mean for your savings.

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    Mortgage guides

    What is the difference between leasehold and freehold?

    Looking to buy a home but not sure if you want a leasehold or a freehold? Find out what both mean and the differences between them here.

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    Mortgage guides

    Negotiating a house price after a survey

    After the survey has been completed, it may have brought up issues that affect how much you’re prepared to pay for the property. Find out what your options are here.

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    Mortgage guides

    What happens after receiving a mortgage offer?

    You’ve received a mortgage offer from a lender – what next? Find out what happens after your mortgage offer has been accepted, how long it takes and what’s next.

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    Savings guides

    “Hi mum” scams: How to spot and avoid them

    This scam looks to trick people into sending money by pretending to be their child. Find out how to avoid this scam and stay safe.

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    Mortgage guides

    How to get onto the property ladder

    Buying your own home is a goal for many people. But what are the best ways to get on the ladder? Start your mortgage journey here.

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    Mortgage guides

    What is a Variable rate mortgage and how does one work?

    A variable rate mortgage is where you pay different amounts each month based on the Bank of England base rate. Find out how these types of mortgage work.

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    Mortgage guides

    What is an interest only mortgage?

    Want to know if an interest only mortgage may be right for you? Find out how an interest only mortgage works here.

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    Mortgage guides

    How do mortgage interest rates work?

    When you get a mortgage, knowing about interest rates is important. It can help you compare deals and decide which one is right for you.

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    Mortgage guides

    Remortgaging when your house value has increased

    When your deal is coming to an end, you may be looking to remortgage. Find out how changes to the value of your home can affect remortgaging.

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    Mortgage guides

    First time buyer mortgage guide

    Getting a mortgage can be complex. There’s lots to know, so we’ve put together a step by step guide to what you can expect.

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    Mortgage guides

    What is porting a mortgage and how does it work?

    Moving home and want to take your mortgage with you? Porting your mortgage is where you buy a new home, but keep the same deal or rate. Learn more.

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    Mortgage guides

    What is a mortgage product transfer?

    Coming to the end of your mortgage deal and not sure whether you move or stick with your lender? Find out what a product transfer is here.

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    Mortgage guides

    What is a standard variable rate mortgage?

    Every lender has a standard variable rate mortgage. Find out what that are, how they work and why you can do if you find yourself on one.

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    Savings guides

    What is AER?

    AER stands for Annual Equivalent Rate. Find out more about the meaning of AER including how and why it is used.

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    Mortgage guides

    What does negative equity mean?

    Heard about negative equity but not sure what it means? Discover what it is, how it works and how you may be able to avoid it.

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    Savings guides

    Current vs savings account

    You may use both a current and savings account. Find out what each one is used for and why they are different.

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    Mortgage guides

    What is APRC?

    The APRC (Annual Percentage Rate of Charge) shows you how much you should expect to pay during your full mortgage term. Find out more here.

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    Mortgage guides

    What happens on completion day?

    Curious about what happens when you "complete" on a mortgage? Find out what it is, who sets the date and what you'll need to do.

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    Savings guides

    20 Money saving tips

    Looking for ways to spend less? Find tips on how to save money at home, from reducing bills to being clever with energy.

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    Mortgage guides

    What is an offset mortgage?

    Curious about offset mortgages? Find out how they work and if they could help to reduce your monthly repayments here.

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    Mortgage guides

    Getting a mortgage when self-employed

    If you’re a freelancer or own a small business, you might be curious about how this affects getting a mortgage. Find out how it works here.

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    Mortgage guides

    What is a tracker mortgage?

    A tracker mortgage is a type of variable rate mortgage. The interest rate you pay can go up or down depending on the Bank of England Base Rate.

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    Savings guides

    Money saving tips this Christmas

    Are you wondering how to save money this Christmas? Read our money saving tips to help make the festive period easier on your pockets.

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    Savings guides

    What is a regular savings account?

    Want to know what a regular savings account is? Find out how they work and what situations they may be good for here.

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    Mortgage guides

    What is a gifted deposit?

    A gifted deposit is a sum of money that could help you buy a property. But how do gifted deposits work and do you have to declare it? Read our guide.

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    Savings guides

    Are you getting the most from your rainy day fund?

    Put money aside for an unexpected expense? If you have a rainy day fund in a low interest account, you could be missing out.

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    Mortgage guides

    How to save for a house deposit

    Saving for a deposit on a house is easier said than done, but we’ve put together some tips to help you reduce spending and save up.

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    Savings guides

    Saving a lump sum

    You’ve come into a large amount of money. Find out your saving options and other ways to use your lump sum.

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    Savings guides

    8 Money Saving Challenges

    Find it hard to save and not sure where to start? Try a savings challenges to make planning for the future a little more interesting.

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    Mortgage guides

    What is a property chain and how does one work?

    A property chain can make the process of buying a home take a little longer. Find out how a property chain works, why they break down and what a chain-free property is.

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    Mortgage guides

    What is a Decision in Principle?

    Getting a Decision in Principle is often one of the first steps to getting a mortgage. Find out what it is, why it can be useful and how to apply for one here.

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    Mortgage guides

    Moving house checklist

    Getting ready for the big day? Use our checklist for moving house to make sure you don’t forget the important stuff among all the excitement.

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    Mortgage guides

    What is loan to value ratio?

    What is a loan to value ratio when buying a home? To give you a clearer picture of your mortgage options, we explain how to calculate an LTV ratio.

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    Mortgage guides

    What is gazumping?

    Had an offer accepted? You may not be out of the woods yet. Find out what gazumping means and ways you might be able to avoid it.

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    Mortgage guides

    What is a fixed rate mortgage and how does one work?

    Thinking about getting a mortgage but not sure which is the best for you? Find out what a fixed rate mortgage is and how one works.

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    Savings guides

    How to save for a holiday

    Want the most out of your holidays? We share our best money saving tips to make your trip as stress free as possible.

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    Savings guides

    What is a fixed rate bond?

    Fixed rate bonds are a type of savings account that locks in a fixed interest rate over a fixed period. Learn more about how fixed rate bonds work.

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    Savings guides

    How does transferring a Cash ISA work?

    Want to know how transferring a Cash ISA works? Find out the process how long it takes and if it affects your allowance here.

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    Savings guides

    What is the ISA allowance?

    Want to know how much you pay into an ISA this tax year? Find out what the ISA allowance is and how it works with our guide.

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    Savings guides

    How many ISAs can I have?

    Thinking about opening an ISA but not sure the rules? Find out many ISAs you can open in a tax year and how your allowance works here.

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    Savings guides

    What is a Cash ISA?

    Want to know more about Cash ISAs? Find out how they work here and how much you can deposit per tax year.

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    Savings guides

    Parcel delivery scams: spotting and avoiding them

    Parcel delivery scams can try to catch you out by pretending to be from a legitimate delivery service. Find out how they work and how to spot one here.

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    Savings guides

    Energy scams: How to spot and avoid them

    As energy bills rise, many people are worried about their ability to pay their bills. Criminals are targeting this worry, fraudulently offering money to try and collect banking details.

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    Savings guides

    How to start saving money

    Want to start saving forwards your future, or want a safety net just in case? Building your savings up may be easier than you think – find out how to open an account and tips for starting your saving journey.

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    Mortgage guides

    Questions to ask when viewing a house

    Knowing what questions to ask when buying a house can help save you time, money and potential heartache when you think you’ve found ‘the one’.

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    Mortgage guides

    How you could reduce your mortgage payment

    5 ways to reduce your monthly mortgage payments from switching deal to extending your mortgage term

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    Savings guides

    Getting into the savings habit

    Start a good habit and find ways to save money, build up your reserves and make sure you have something put away for a rainy day.

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    Mortgage guides

    When can you remortgage?

    If your current deal is coming to an end soon, perhaps it’s time to think about remortgaging. Find out more about what to think about before switching lenders.

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    Savings guides

    How to stay safe online

    Cybercrime statistics can be scary but a few simple actions can help to protect you. Follow the tips in our guide to help keep you safe and take control online.

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    Savings guides

    How much of my salary should I save?

    Want to save money but don’t know where to start? We share our best money saving and budgeting tips to get you started.

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    Yorkshire Building Society is a member of the Building Societies Association and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Yorkshire Building Society is entered in the Financial Services Register and its registration number is 106085. Head Office: Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ. References to ‘YBS Group’ or ‘Yorkshire Group’ refer to Yorkshire Building Society, the trading names under which it operates (Barnsley Building Society, Barnsley, Chelsea Building Society, Chelsea, Norwich & Peterborough Building Society, N&P and Egg) and its subsidiary companies. Egg is a registered trademark of Yorkshire Building Society. FareShare is a registered charity in England & Wales (1100051) and Scotland (SC052672). Small Change Big Difference® is a registered trademark of Yorkshire Building Society.

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