We are aware of an issue relating to Multi-Factor Authentication which has resulted in some customers receiving a delayed SMS code from a request made in the last week. . If you have not requested a code in the last week please contact us. We are working urgently to resolve the issue as quickly as possible. We apologise for any inconvenience this has caused. If you use a Third Party Provider to view all your accounts and have received an unexpected SMS particularly through the night, this may be due to the way they acquire and verify your information. Please contact your provider.
These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies, services you have asked for cannot be provided.
|To direct your requests to the correct place||At the end of your browsing session||SS_X_JESSIONID|
|To remember the details entered into either the repayment calculator or the mortgage product finder tool so you can return to the product finder tool or repayment calculator without having to re-enter all your details||At the end of your browsing session||mortgageSearchDetails|
|To allow you to search our FAQs||At the end of your browsing session||YBS-faqsToken|
These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor - all information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.
Our performance cookies will not store any personal information about you unless you proceed with an application, at which point details of where your enquiry originated may be linked to your customer record.
|To check if you have cookies enabled||At the end of your browsing session||check|
|To count the number of visits made to the website by a user||After 1 day||s_invisit|
|To determine what percentage of a webpage was displayed to a user||At the end of your browsing session||s_ppv & s_ppvl|
These cookies allow the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. For instance, these cookies can be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for, such as watching a video, or to remember information that you have already provided on previous visits to a website.
Examples of customisation cookies we use are:
|To remember the appointment options available to you through our online booking system||At the end of your browsing session||appointmentBooking|
|To determine if you have filled in an online survey||At the end of your browsing session||general_ybs|
|To remember what stage you have reached in a mortgage Approval in Principle application||After 1 month||ybs_c16|
These cookies are used to deliver adverts that are more relevant to you and your interests. For example, if you're looking for a mortgage, you might see more advertisements for mortgages - simply because the cookie has detected what you're looking for. They are also used to limit the number of times you see an advertisement, as well as help measure the effectiveness of advertising campaigns.
Targeting cookies are usually placed by third parties such as advertising networks with the website operator’s permission, so they are usually linked to site functionality provided by the third party organisation.
We work closely with some third party companies who provide services such as customer feedback, management information, advertising, and social networking. In these cases, the third party organisation may set their own cookies which are controlled by them and covered by their own policies:
|To measure and improve the effectiveness of our advertising||Bing (BingAds)||about.ads.microsoft.com/en-gb/resources/policies/microsoft-advertising-privacy-policy|
|Google (AdWords, Remarketing, DoubleClick Bid Manager)||policies.google.com/technologies/types|
|VisualIQ (Tapad, eXelate)||www.visualiq.com/privacy|
Please note YBS is not responsible for the content of external websites.
You can turn off targeting cookies only by blocking specific companies if you’d prefer. You will still receive advertising on the internet, but the ads you see may not be as relevant to you and your interests.
You can set your preferences here: www.youronlinechoices.com/uk/your-ad-choice
You can, of course change your cookie settings at any time through your browser.
Changing your cookie settings
If you decide to change your cookie settings, you can do so via your browser’s settings. Each browser works in a different way, so you'll need to search for 'cookie settings' in your browser's help section to find out how to do this.
Cookies are stored locally to each browser and device so if you have multiple devices (computer, mobile phone, tablet etc.) or use different browsers, you will need to apply your chosen settings to each.
It is important to note that YBS cannot guarantee the performance of our website if you block some or all cookies. You may also be asked to re-enter information that would otherwise be remembered. If you modify your browser settings, you can start accepting cookies from YBS again at any time.
For more information on how private browsing works as well as its limitations, visit the support pages for your browser: Microsoft Edge, Internet Explorer, Firefox, Chrome, Safari ( mobile and desktop) and Opera.