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Best Yorkshire Building Society Remortgage Deals 2026

Yorkshire Building Society is the UK's third-largest mutual, offering competitive remortgage rates direct and flexible criteria through its broker arm Accord. This guide covers the best Yorkshire BS remortgage deals in 2026 and the alternatives to compare.

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Quick Answer: Best Yorkshire Building Society Remortgage Deals in 2026

Yorkshire Building Society remortgage rates in 2026 are typically 4.6%-5.1% for a 2-year fix and 4.4%-4.8% for a 5-year fix at 75% LTV. As a mutual, YBS prices for members not shareholders, and its broker arm Accord offers flexible underwriting for complex income, self-employed and contractor cases. Best for borrowers who want a member-owned lender or a more human approach. Compare against Nationwide, Coventry BS and Skipton BS.

Rates last reviewed June 2026. Figures shown are indicative market ranges to help you compare — not live quotes or personalised offers. Mortgage rates change daily and depend on your circumstances, the lender's criteria and the Bank of England base rate. Check live rates for your profile →

Why Choose Yorkshire Building Society for Your Remortgage

YBS's strengths for remortgaging:

If your case is straightforward, deal with YBS directly; if it's complex, ask a broker about Accord.

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Gary from London

"Easier Than Expected"

Gary, London
★★★★★
"I kept putting off remortgaging because I thought it would be a massive headache. Honestly, the whole thing was painless — filled in a quick form, got my options, and it was all sorted within weeks. Wish I'd done it sooner."
Katie from London

"Done In No Time"

Katie, London
★★★★★
"Our fixed rate was ending in a month and I was panicking about going onto the SVR. Managed to get everything sorted really quickly and we're now on a much better rate. Saving us about £200 a month."
Janet from Exeter

"So Much Better Off"

Janet, Exeter
★★★★★
"Was a bit nervous about switching as I'd been with the same lender for years. Turns out I was massively overpaying — got a much better deal and the whole process was far easier than I expected."
Lucy from Tamworth

"Happy Saving"

Lucy, Tamworth
★★★★★
"After having to pay a ridiculous amount due to the interest rate hike, we have now got a more suitable monthly payment, consolidated a loan and have money left for hopefully a loft conversion."

Yorkshire BS Remortgage Rates by LTV (2026)

LTV bandTypical 2-yr fixTypical 5-yr fix
60% LTV4.4-4.8%4.2-4.6%
75% LTV4.6-5.1%4.4-4.8%
85% LTV4.9-5.4%4.7-5.1%
90% LTV5.2-5.7%4.9-5.4%

Accord (the broker arm) often has slightly different, sometimes sharper, rates for complex cases — a broker can compare both for you.

Who Yorkshire Building Society Suits Best

YBS is a good fit for:

For the very cheapest clean-credit rate, also compare the big banks — but YBS is consistently competitive and member-friendly.

Best Alternatives to Yorkshire Building Society

Compare YBS against:

Important: Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The actual rate available will depend on your circumstances. Think carefully before securing other debts against your home.

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Frequently Asked Questions

Yorkshire Building Society remortgage rates in 2026 are typically 4.6%-5.1% for a 2-year fix and 4.4%-4.8% for a 5-year fix at 75% LTV, with the lowest rates at 60% LTV. Its broker arm Accord may offer sharper deals for complex cases. Rates change frequently, so compare against Nationwide, Coventry BS and Skipton BS for the live best-buy.

Accord Mortgages is the intermediary (broker-only) lending arm of Yorkshire Building Society. It offers flexible, manually underwritten mortgages for borrowers whose cases don't fit automated high-street systems — particularly self-employed, contractor and complex-income applicants. You can only access Accord through a mortgage broker, whereas YBS-branded deals are available directly. Both are part of the same mutual.

Yes — through its broker arm Accord, Yorkshire Building Society offers flexible, common-sense underwriting that suits self-employed borrowers, contractors and those with complex income. Accord is known for looking at cases individually rather than rejecting them automatically. If you're self-employed, ask a broker to compare Accord alongside other flexible lenders like Skipton and Coventry.

Yes — Yorkshire Building Society offers offset remortgage options that let your savings balance reduce the interest you pay on your mortgage, without you having to spend the savings. This suits borrowers with meaningful savings who want to cut interest while keeping their money accessible. Compare YBS offset deals against First Direct, Coventry BS and other offset providers.

Yes — as the UK's third-largest building society, Yorkshire BS is a well-established, financially strong mutual owned by its members. It offers consistently competitive rates, fair standard variable rate treatment, and flexible lending through Accord. It's a strong choice for members who value mutual ownership and a more human underwriting approach over the cheapest possible automated rate.

Yorkshire Building Society is best for borrowers who value mutual ownership and fair member-focused treatment, self-employed and contractor applicants (via Accord's flexible underwriting), savers who want an offset mortgage, and anyone who prefers a human approach to a purely automated decision. For the cheapest clean-credit rate, also benchmark against the big banks.

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