Yorkshire BS launches sub-5% mortgage rate at 85% LTV

The Society has reduced residential rates by up to 0.30%, with the largest cuts at higher LTVs.

Related topics:  Mortgage rates,  Yorkshire BS
Rozi Jones | Editor, Financial Reporter
13th November 2026
ybs yorkshire building society

Yorkshire Building Society has reduced rates across its residential mortgage range by up to 0.30%.

Changes include reductions of up to 0.30% on mortgages at 90% and 95% LTV, with discounts of up to 0.20% on selected mortgages at 65% - 80% LTV.

Reductions also include the lenders’ loyalty cashback range, which provides an additional £250 cashback to members who have held a savings account with the mutual for at least 12 months. These members can also refer friends or family, allowing them to access the same offer.

At 60% LTV, a fee-free two-year fixed rate has reduced by 20bps to 5.06%.

Also at 60% LTV, a three-year fix is down to 4.79% and a five-year fix has reduced to 4.82%, both with a £1,495 fee.

At 85% LTV, a five-year fix has decreased to 4.96% with a £1,495 fee.

Tom Simpson, managing director of homes for Yorkshire Building Society, said: “These latest changes reflect our continued commitment to helping more people to achieve homeownership. The new range also includes several best buy* product options, offering borrowers more competitive value and choice.”

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