Yorkshire Building Society Remortgage Rates 2026

Yorkshire BS Remortgage Rates: 2026 Rate Sheet

YBS's 2026 remortgage rates are particularly competitive on 5-year fixes at 60–75% LTV and on offset products. Representative rates:

• 60% LTV, 2-year fixed: from around 4.17% with a £999 fee, or 4.42% fee-free
• 60% LTV, 5-year fixed: from around 4.00% with a £999 fee, or 4.25% fee-free
• 75% LTV, 2-year fixed: from around 4.27% with a £999 fee
• 75% LTV, 5-year fixed: from around 4.12% with a £999 fee
• 85% LTV, 2-year fixed: from around 4.57% with a £999 fee
• 85% LTV, 5-year fixed: from around 4.42% with a £999 fee
• 90% LTV, 5-year fixed: from around 4.77%
• Offset (60% LTV, 2-year fixed): from around 4.47% with a £999 fee
• Offset (60% LTV, 5-year fixed): from around 4.32% with a £999 fee
• Tracker (60% LTV, 2-year): from around base rate + 0.50% (current effective rate ~4.75%)
• YBS SVR: approximately 6.99%

YBS's 5-year fixed rates at 60% LTV are often within a couple of basis points of HSBC and First Direct on a given week, making YBS a genuine contender for the cheapest-rate crown at this LTV band.

Yorkshire BS Offset Mortgage: A UK Market Leader

YBS is widely regarded as offering one of the three best offset mortgage propositions in the UK, alongside Barclays and Scottish Widows Bank. The YBS offset product is both well-priced and feature-rich.

How the YBS offset works

You open a linked YBS savings account (or multiple linked accounts — up to 5 per mortgage). Balances in those accounts offset against your mortgage, meaning you only pay interest on the difference. Your savings remain instantly accessible. Interest saved on the mortgage is typically better than after-tax returns on standalone savings, particularly for higher-rate taxpayers.

Offset versus standard rates

YBS's offset rates are typically 0.30–0.45% above the equivalent standard fixed rate. For borrowers with linked deposits of at least 10–15% of the mortgage balance, this premium is comfortably outweighed by the interest saving. For borrowers with smaller savings, a standard mortgage is cheaper on pure cost.

Payment reduction vs term reduction

YBS offset allows you to choose whether offsetting reduces your monthly payment (keeping the term the same) or reduces the term (keeping the monthly payment the same). The latter accelerates debt clearance; the former improves monthly cashflow. This choice can be reviewed at remortgage.

Flexibility

YBS offset products accept overpayments up to 10% per year ERC-free, allow payment reductions during permitted circumstances, and offer portability to a new property. This flexibility is a major reason YBS offset appeals to self-employed borrowers and higher-rate-tax earners with variable cashflow.

How YBS Rates Compare to the 2026 UK Market

YBS is a consistent top-tier competitor on 2026 remortgage rates, particularly at 60–75% LTV on 5-year fixes and on offset products.

Versus HSBC, First Direct, Barclays

YBS is typically within 0.02–0.08% of these market leaders on 5-year fixes at 60% LTV. On offset products, YBS is usually cheaper than Barclays (the main alternative offset provider at this tier) by a small margin.

Versus Nationwide

Nationwide member-exclusive rates are often slightly ahead of YBS for mainstream products, but for non-members YBS is typically cheaper. On offset, YBS is materially ahead of Nationwide (which does not offer a dedicated offset product).

Versus Halifax, Lloyds, Santander

YBS is typically 0.05–0.15% cheaper on equivalent products. The gap is consistent rather than spiky — YBS rarely disappears from the competitive top tier.

Versus other building societies

YBS and Coventry BS compete closely, with each winning at specific LTV/loan bands. YBS tends to edge ahead on 5-year fixes; Coventry on larger loan sizes. Skipton, Leeds, and Nottingham are competitive in niche segments but rarely beat YBS across the board.

Accord Mortgages: YBS's Broker Brand

Accord Mortgages is YBS Group's intermediary-only brand. Accord products are only available through mortgage brokers, not directly to consumers. Accord shares underwriting and funding infrastructure with YBS but has its own distinct product range, often with slightly different pricing and features.

When Accord is the right choice

Accord often has competitive pricing on specific product lines — 2-year fixes at 60% LTV, large-loan remortgages, buy-to-let products, and first-time-buyer remortgages. A broker will compare Accord against YBS and other lenders and direct you to whichever is leading for your specific application.

Accord criteria

Accord is broadly comparable to YBS on criteria but can be slightly more flexible on certain edge cases, including self-employed applicants with one year of accounts, contract workers, and borrowers with minor historical credit issues.

Rate movements

Accord and YBS often reprice in parallel but occasionally diverge. In practice, a broker will see both rates and choose the cheaper for your specific case.

Who Should Remortgage With YBS in 2026?

YBS is an excellent choice for:

• Rate-sensitive borrowers at 60–75% LTV on 5-year fixes — YBS is consistently in the top three on these products
• Borrowers wanting an offset mortgage — YBS's offset is among the UK's best for pricing, flexibility, and linked-account structure
• Higher-rate and additional-rate taxpayers with substantial savings — offset efficiency peaks at higher marginal tax rates
• Self-employed borrowers who want liquidity without losing rate advantage — YBS offset allows liquidity buffers to work against the mortgage
• Borrowers using a broker who can access Accord rates — Accord can be cheaper than YBS on specific product lines

YBS is less well-suited to:

• Borrowers wanting the cheapest 2-year fix — HSBC, First Direct, and Barclays typically lead here, with YBS a close but not usually winning competitor
• Borrowers with complex adverse credit — YBS criteria are fairly strict; specialists are more appropriate
• Borrowers wanting large-loan private banking service — YBS does not have a private bank equivalent; Barclays, Coutts, Handelsbanken are better routes