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“Very impressed”

written by KendalDuncan on 12/03/2015

We have recently taken an offset mortgage with YBS and I was at first a bit sceptical about them given the reviews here, however, the mortgage product was the best deal I could find (and actually better than anything our mortgage adviser could find!) with all the flexibility we were looking for so we went for it.

The mortgage application was very easy to make online and was processed very quickly, there were some questions raised by YBS which we responded to straight away and we received the offer in 7 days which in my view was incredibly quick.

The only issue we had was with the insurance form as we were taking our own insurance and we sent the form off twice but apparently both times were apparently not received by YBS. In the end they accepted a scan by email but this didn't cause any hold up or problems with the purchase which went very smoothly.

The online account management service is very good and it is easy to transfer funds online into the offset savings account by faster payments transfer or debit card. I did have to phone up to get the online access sorted which was very quick and easy. Alternatively, you can pay in at the branch or through one of the LINK machines. This is much better than our previous mortgage lender which didn't offer any online mortgage account management.

Overall, I have been very impressed with YBS so far.