Despite the current climate, mortgage rates are still being trimmed.

Mortgage rates fluctuate constantly and the best time to catch a great deal is when rates are being cut. The most recent activity, though, has seen a general rise in pricing as a result of the increases in the base rate during 2018.

However, while the general direction of mortgage rates may be upward, there are some lenders who are taking the opportunity to review their pricing, steal the march on their competitors and offer improved deals to you, the borrower. 


One such lender is Yorkshire Building Society. Their products are designed to appeal to a variety of borrower and, therefore, cover a range of deposit amounts. Consequently, their pricing review covers mortgages with high and low loan to value ratios.  

The details are:

35% deposit/65% LTV:

  • 2 year fix starting from 1.43%
  • 3 year fix starting from 1.93%
  • 5 year fix starting from 1.91%
  • 10 year fix starting from 2.49%

5% deposit/95% LTV:  

  • 2 year fix starting from 3.17%
  • 5 year fix starting from 3.79%

Depending on the product selected, YBS offer some additional features including more cashback than previously offered, free valuations and the option of fee-free mortgages.

Be aware, though, that the combination of features and incentives can affect the total cost, possibly in an unexpected way. As a result, what you should evaluate before applying to borrow from any lender is the overall value the offer represents. The only way to do this is to factor in all costs and compare to the price of other products.

Doing comparisons of this nature can be confusing as well as time-consuming. However, Deal Direct has an online mortgage calculator you can use to begin your search.

Compare thousands of mortgages from across the whole of the market by clicking just 6 boxes. It couldn’t be simpler or quicker to do. In addition, our experts are on hand to answer any questions you may have about any of the products you see.

For clear and simple advice on high and low LTV mortgages, call Deal Direct on 0800 048 8828.    

start mortgage search

Article published: Saturday, December 29, 2018
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