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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 0845 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.

Payment Difficulties

If you are experiencing difficulties maintaining your mortgage payments.

Click here to see how we can help

Treating Customers Fairly

See our TCF charter and read about North Yorkshire Mortgages' continued commitment to Treating Customers Fairly

Our Charter

Good Customer Outcomes

FAQ's

View the answers to some of the most popular customer queries

Find out more

Making a Complaint

Our dedicated Customer response team will work with you to resolve any issues.

Internal Complaints procedure

Wednesday, October 01, 2014

Contact Us

Call us on 0845 130 4145*

Fax us on 0844 892 1815

Our lines are open:

Monday - Friday
9:00 - 17:00 Customer Contact Centre

8:30 - 20:00 Credit Management Department

Our Interest Rates

SVR

5.75%

LIBOR

0.56%

Bank of England Base Rate

0.5%

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*Calls may be recorded for training, monitoring and regulatory record keeping purposes
North Yorkshire Mortgages is authorised and regulated by the Financial Conduct Authority under registration number 303372
Registered office: The Bailey, Skipton, North Yorkshire, BD23 1DN Registered in England and Wales number 2819645
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Subject to status and valuation. North Yorkshire Mortgages require a first mortgage on the property. Minimum age 18 years. Site intended for UK residents only.