Business Details
Emergency
services
Your Trusted Mortgage and Savings Partner in Bradford
Established as part of the YBS Group following a merger on 1st April 2010, we operate as a mutual building society committed to prioritising our members' needs. Our business model focuses on delivering fair treatment to customers through transparent products and professional service, underpinned by core values of integrity, respect, and excellence. As a mutual organisation, we reinvest profits to strengthen financial resilience rather than distributing them to external shareholders, ensuring our members remain central to decision-making processes.With assets exceeding 30 billion, we combine local expertise with the backing of a larger institution to offer tailored mortgage and savings solutions. Our approach emphasises long-term value creation, financial wellbeing support, and community engagement, while maintaining compliance with regulatory standards and ethical practices. Through continuous feedback mechanisms, we strive to enhance our services and uphold our purpose of providing Real Help with Real Life.
Services
Mortgages
Savings Accounts
Buy to Let Mortgages
Insurance Services
Mortgage Life Cover
Highlights and features
- We operate as a mutual society, prioritising member interests over shareholder profits
- Our services combine local expertise with the strength of a 30 billion institution
- We offer transparent products and professional service aligned with regulatory compliance
- Our customer-focused approach includes tailored mortgage and savings solutions
- We reinvest profits to enhance financial resilience and member benefits
Associations and certifications
- Prudential Regulation Authority (PRA)
- Financial Conduct Authority (FCA)
Services
Mortgages
We provide residential mortgage products designed to help customers achieve home ownership. Our range includes fixed-rate, tracker, and discounted-rate mortgages with flexible repayment options. As part of the YBS Group, we combine competitive rates with personalised service while maintaining regulatory compliance through transparent terms and conditions.
Savings Accounts
Our savings products offer secure options for growing your money with competitive interest rates. Available accounts include easy-access, fixed-term, and cash ISA options designed to meet different financial goals. As a mutual society, we reinvest profits to benefit savers through improved returns and service quality.
Buy to Let Mortgages
We offer specialist mortgages for property investors seeking to purchase residential rental properties. These non-regulated products provide flexible financing options with dedicated support for landlords. Our expertise in this sector ensures tailored solutions for buy-to-let portfolio development.
Insurance Services
We provide buildings and contents insurance through Royal & Sun Alliance, integrated with mortgage products. Our insurance offerings include new quotes, policy management, and claims support. These services complement our core financial products to create comprehensive property solutions.
Mortgage Life Cover
Our mortgage life insurance products offer financial security for your home during the mortgage term. The Lifestyle Protection Unit provides tailored cover options that protect your investment and ensure family security in case of unexpected events.
Questions
Are savings accounts protected by the Financial Services Compensation Scheme?
Yes, our savings accounts are protected up to £85,000 per person under the Financial Services Compensation Scheme, as we're authorised by the Prudential Regulation Authority.
Can I access my account information online?
Yes, registered users can access account details through our website or mobile app 24/7, including balance checks, transaction history, and secure messaging.
What happens if I need to make a complaint?
Contact us through our dedicated complaints line or written correspondence. We handle all complaints fairly and promptly in accordance with regulatory requirements.
Do you offer 24/7 customer support?
Yes, our lost/stolen card helpline operates 24/7 at 0345 9 10 11 12. Automated mortgage and savings services are also available outside office hours.
How does being a building society benefit customers?
As a mutual society, we reinvest profits to benefit members through better rates, improved services, and financial resilience rather than distributing profits to external shareholders.
