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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

(M)PPI complaints deadline 29 August 2019

(M)PPI - an overview

(M)PPI is designed to protect you against loss of income by helping you meet your mortgage payments should you become unable to work because of an accident, illness or unemployment.

North Yorkshire Mortgages stopped actively lending in 2008. Prior to this time we offered Mortgage Payment Protection Insurance to our customers, whereby the premium was collected alongside the monthly mortgage payment.

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.

How do I know if I had (M)PPI?

Details of the cover would have been provided in your mortgage offer, on your annual mortgage statements or your annual insurance schedule.

If you have held a (M)PPI policy but believe it was mis-sold, you should direct your enquiry to us and we will review your account to establish if the cover was arranged by us or an intermediary or mortgage broker who advised or arranged the policy with your mortgage, as that will determine who is responsible for investigating the MPPI complaint.

If you're unsure if you had (M)PPI you should contact us. You will need your mortgage account number, full name and address, along with the address of the property the mortgage relates to. If your check comes back positive and you wish to make a complaint about its sale, you can then move to complain.

If your (M)PPI was offered by North Yorkshire Mortgages, before making a complaint to us, ahead of the deadline, you must allow 8 weeks (40 business days) for your (M)PPI check to be carried out.

18 August 2019

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

9:00 - 13:00 Credit Management option only.

Email us

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.