Did you know you can now make monthly payments online via Your Account?
Welcome to North Yorkshire Mortgages
North Yorkshire Mortgages are committed to providing a high quality service, an effective arrears management strategy and continued compliance with the Financial Conduct Authority guidelines on Treating Customers fairly.
Potential Interest Rate Changes
As a responsible lender North Yorkshire Mortgages are preparing our customers for any potential interest rate rises.
As an example based on an average interest only mortgage with a balance of £135,000, and a general interest rate of 4.2%, if rates increase by 1% then the monthly payments will go up by approximately £135.00. Rates may however, increase by much more than this over time.
If you foresee any difficulties in making your mortgage payments, you can contact North Yorkshire Mortgages on 0345 130 4145. Alternatively select the 'Payment Difficulties' options below to see what assistance is available.
Payment Protection Insurance for Mortgages — (M) PPI
North Yorkshire Mortgages stopped actively lending in 2008. Prior to this time we offered Mortgage Payment Protection Insurance to our customers, and as a result we are required to publish details of the Claims Ratio for the last financial year, within three months of it ending.
The claims ratio for the financial year 2013–2014 was 10–20%. This means that for every £100 of premiums paid by policy holders, between £10 and £20 was paid out as claims.
While we no longer offer Mortgage Payment Protection Insurance, there are many companies that do. For impartial information about insurance, please visit the following website: www.moneyadviceservice.org.uk/yourmoney/insurance
The Money Advice Service is a free, independent service, set up by government.
Treating Customers Fairly
See our TCF charter and read about North Yorkshire Mortgages' continued commitment to Treating Customers Fairly
Good Customer Outcomes
View the answers to some of the most popular customer queries
Find out more