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General Account Information

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 £113.00. 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:

The Money Advice Service is a free, independent service, set up by government.

21 February 2018

Contact Us

Call us on 0345 130 4145*

Fax us on 0344 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





Bank of England Base Rate


Historical interest rates

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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 2238645
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.