How Much Can You Overpay on Your Yorkshire Building Society Mortgage?
This guide is for general information only and does not provide financial advice. Check your lender’s terms before overpaying, as early repayment charges may apply. Your home may be repossessed if you do not keep up repayments on your mortgage.
Yorkshire Building Society says you can overpay any amount at any time, by regular or one-off overpayment, but that you will need to pay an early repayment charge if you go over your allowance in a given year. It says other mortgages have no early repayment charges or overpayment allowances at all, and that if your mortgage has more than one part you should check each part because the allowances may be different. See Yorkshire Building Society’s page and your own mortgage offer for any percentage.
Lender terms change, and your own mortgage offer is what applies to you. This page was checked on 30 September 2026 against Yorkshire Building Society’s own page, linked below.
This page reports what Yorkshire Building Society publishes on its own site. It is general information, not advice and not a statement of your own mortgage terms. See our editorial policy for how we source and re-check lender facts.
What Yorkshire Building Society says about the yearly allowance
Yorkshire Building Society says you can overpay any amount at any time, by regular or one-off overpayment, but that you will need to pay an early repayment charge if you go over your allowance in a given year. It says other mortgages have no early repayment charges or overpayment allowances at all, and that if your mortgage has more than one part you should check each part because the allowances may be different. See Yorkshire Building Society’s page and your own mortgage offer for any percentage.
You can overpay any amount at any time by regular overpayment or a one-off overpayment but you will need to pay an early repayment charge (ERC) if you go over your allowance in a given year.
Other mortgages have no ERCs or overpayment allowances at all.
If your mortgage is made up of more than one part you should check each part as the allowances may be different.
Unused allowance
Yorkshire Building Society says you can’t usually carry over any unused allowance to a following year.
You can't usually carry over any unused allowance to a following year.
How to check your own allowance
Yorkshire Building Society says to check the details of your mortgage to learn about your allowances and early repayment charges.
Check the details of your mortgage to learn about your allowances and ERCs.
Source: Yorkshire Building Society: Overpaying a mortgage. Checked on 30 September 2026.
Working out a charge
If you are thinking about overpaying more than an allowance, use our early repayment charge calculator with the figures from your own mortgage offer. Our guides explain what an early repayment charge is, when an allowance resets and how the yearly limit works. If you are unsure, consider speaking to a regulated mortgage adviser.
Questions people ask
How much can I overpay on a Yorkshire Building Society mortgage?
Yorkshire Building Society says you can overpay any amount at any time, by regular or one-off overpayment, but that you will need to pay an early repayment charge if you go over your allowance in a given year. It says other mortgages have no early repayment charges or overpayment allowances at all, and that if your mortgage has more than one part you should check each part because the allowances may be different. See Yorkshire Building Society’s page and your own mortgage offer for any percentage. Check your own mortgage offer, because the terms that apply to you are in it.
Where can I see my own allowance with Yorkshire Building Society?
Yorkshire Building Society says to check the details of your mortgage to learn about your allowances and early repayment charges. Your mortgage offer is the document that sets your terms.
Is this the same as my own mortgage terms?
Not necessarily. This page reports what Yorkshire Building Society publishes on its own site, as checked on 30 September 2026. Your mortgage offer sets the terms that apply to you, and they can differ by product and by the date you took the mortgage.
Other lenders we cover
Nationwide, NatWest, Halifax, Santander, HSBC UK, TSB, Virgin Money, Skipton Building Society, Barclays, Lloyds Bank.