Chelsea Building Society Mortgage Rates
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CHE 0902DRAFT.Indd
APPLICATION FORM FOR ADMISSION TO THE CONVEYANCING PANEL OF THE YORKSHIRE BUILDING SOCIETY GROUP - INCORPORATING YORKSHIRE BUILDING SOCIETY, ACCORD MORTGAGES LIMITED, CHELSEA BUILDING SOCIETY AND BARNSLEY BUILDING SOCIETY (“THE SOCIETY”) NOTES: • If your answer to any question exceeds the space allowed, continue on a separate sheet clearly marking the question number. • The whole of this application form is to be completed by the senior partner/director of your practice. • Please note that the Society reserves the right to terminate your membership of its Conveyancing Panel if you fail to provide any relevant information or provide incorrect information in this application form or in relation to any future requests for information. • Please also note that your membership of the Society’s Conveyancing Panel can be terminated at any time without notice by the Society in the event of a Disciplinary Tribunal decision or where your fi rm has not acted for the Society in the grant of a mortgage for a period in excess of one year. • The Society will verify the regulatory status of every practice applying for admission to its Conveyancing Panel. The Society will check whether practices located in England and Wales hold Conveyancing Quality Scheme (“CQS”) accreditation where appropriate. The society requires annual evidence that the practice has a renewed CQS certifi cate. • The completed application form must be returned to Conveyancers Panel Administration, Mortgage Service Department, Yorkshire Building Society, Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ. Dx No. 11798 Bradford. • We reserve the right to terminate your membership at any time should the Society deem this to be appropriate. -
Interim Results Announcement 2019
BASIS OF PRESENTATION CYBG PLC (the ‘Company’), together with its subsidiary undertakings (which together comprise the ‘Group’), operate under the Clydesdale Bank, Yorkshire Bank, B and Virgin Money brands. It offers a range of banking services for both retail and business customers through retail branches, business banking centres, direct and online channels, and brokers. This release covers the results of the Group for the six months ended 31 March 2019. Statutory basis: Statutory information is set out on pages 43 to 79. The IFRS 9 accounting standard replaced IAS 39 (‘Financial Instruments: Recognition and Measurement’), introducing changes to the classification and measurement of financial instruments and the impairment of financial assets. Virgin Money adopted IFRS 9 on 1 January 2018 and CYBG on 1 October 2018. Pro forma results: On 15 October 2018, the Company acquired all the voting rights in Virgin Money Holdings (UK) plc (Virgin Money) by means of a scheme of arrangement under Part 26 of the UK Companies Act 2006, with the transaction being accounted for as an acquisition of Virgin Money. We believe that it is helpful to also provide additional information which is more readily comparable with the historic results of the combined businesses. Therefore we have also prepared Pro forma results for the Group as if CYBG PLC and Virgin Money had always been a Combined Group, in order to assist in explaining trends in financial performance by showing a full 6 months performance for the Combined Group for both the current period and prior period, as well as a full 12 month performance of the Combined Group for the most recent year end results. -
Lender Panel List December 2019
Threemo - Available Lender Panels (16/12/2019) Accord (YBS) Amber Homeloans (Skipton) Atom Bank of Ireland (Bristol & West) Bank of Scotland (Lloyds) Barclays Barnsley Building Society (YBS) Bath Building Society Beverley Building Society Birmingham Midshires (Lloyds Banking Group) Bristol & West (Bank of Ireland) Britannia (Co-op) Buckinghamshire Building Society Capital Home Loans Catholic Building Society (Chelsea) (YBS) Chelsea Building Society (YBS) Cheltenham and Gloucester Building Society (Lloyds) Chesham Building Society (Skipton) Cheshire Building Society (Nationwide) Clydesdale Bank part of Yorkshire Bank Co-operative Bank Derbyshire BS (Nationwide) Dunfermline Building Society (Nationwide) Earl Shilton Building Society Ecology Building Society First Direct (HSBC) First Trust Bank (Allied Irish Banks) Furness Building Society Giraffe (Bristol & West then Bank of Ireland UK ) Halifax (Lloyds) Handelsbanken Hanley Building Society Harpenden Building Society Holmesdale Building Society (Skipton) HSBC ING Direct (Barclays) Intelligent Finance (Lloyds) Ipswich Building Society Lambeth Building Society (Portman then Nationwide) Lloyds Bank Loughborough BS Manchester Building Society Mansfield Building Society Mars Capital Masthaven Bank Monmouthshire Building Society Mortgage Works (Nationwide BS) Nationwide Building Society NatWest Newbury Building Society Newcastle Building Society Norwich and Peterborough Building Society (YBS) Optimum Credit Ltd Penrith Building Society Platform (Co-op) Post Office (Bank of Ireland UK Ltd) Principality -
Annual Repor T & Accounts
C M Y K www.leedsbuildingsociety.co.uk LEEDS YELLOW 105 Albion Street, Leeds LS1 5AS Tel: 0113 225 7777 Annual Repor t PMS ??? PMS ??? JOB LOCATION: PRINERGY 3 DISCLAIMER Approver The accuracy and the & Accounts content of this file is the responsibility of the Approver. Please authorise approval only if you wish to proceed to print. Communisis PMS cannot accept liability for errors once the file has been printed. Printer This colour bar is produced manually all end user s must check final separations to verify 2012 colours before LDS00013 (03/13) LDS00043-R+A-COVER.indd 1 22/02/2013 13:24 Financial Highlights Where to find us For the year ended 31 December 2012 Aberdeen Harrogate Street Lane Norwich 68 Carden Place, Aberdeen AB10 1UL 12 Oxford Street, Harrogate HG1 1PU 69 Street Lane, Roundhay, Leeds LS8 1AP 6/7 Guildhall Hill, Norwich NR2 1JG Tel: 01224 642641 Tel: 01423 546510 Tel: 0113 225 8720 Tel: 01603 626978 Banbury Huddersfield Wetherby Nottingham 19 High Street, Banbury OX16 5EE 8 Cherry Tree Centre, Market Street, 2 Horsefair Centre, Wetherby LS22 6FL 23 Listergate, Nottingham NG1 7DE Tel: 01295 277912 Huddersfield HD1 2ET Tel: 01937 585768 Tel: 0115 947 2841 Barkingside Tel: 01484 530842 Yeadon Peterborough 84 High Street, Barkingside IG6 2DJ Hull 59 High Street, Yeadon LS19 7SP 2 Queen Street, Peterborough PE1 1PA £10.3 billion Tel: 020 8550 7678 78 Paragon Street, Hull HU1 3PW Tel: 0113 250 6313 Tel: 01733 896565 Barnsley Tel: 01482 224892 Reading total ASSETS 2 Peel Square, Barnsley S70 1YA Kendal 10 Cross Street, Reading -
Better Banking for Your Business
Better banking for your business 3 Business made more Running a small business is a big job. As well as being a master of your chosen trade, you also need to be a dab hand at admin, finance, management, marketing and more. And, often your day is a long one, outside of 9 to 5 hours. When you’re putting so much of your life into growing your business, we think you should have all the support we can give you. Which is why our business accounts are designed to help you control costs, manage payments, and help your money work harder with a little less effort. Because when you get the most out of your business, you get the most out of life. Starting with 25 months of free business banking Whether you’re opening your first You won’t pay any charges as long as you business account or switching an existing keep your account within agreed limits and one, we’ll give you free day-to-day don’t go overdrawn without arranging it business banking for the first 25 months. with us first. And when your free banking Which means that every single penny you ends, you’ll go onto a simple tariff with make goes towards making your business great ongoing value. successful. The benefits of business banking When you open your account, we’ll make • Free card reader from Square to take sure our services match your business chip and pin and contactless payments needs, including: with no fees on your first £1,000.* • Support from our team of Business • Business Debit card. -
CYBG PLC Unifies Digital Banking Platform with Red Hat Openshift
Customer Case Study CYBG PLC unifies digital banking platform with Red Hat Openshift CYBG PLC, parent group of Clydesdale Bank, Yorkshire Bank, Virgin Money, and digital banking service B, wanted to expand and standardise its digital banking offer to stay competitive against market leaders and new disruptors. To gain the scalability and agility demanded by custom- ers, CYBG united three of its brands’ services on its Operational Platform based on Red Hat OpenShift Container Platform. With its Operational Platform, CYBG has established a more effi- cient, customer-focused business to build long-term growth. Software Glasgow, Scotland Red Hat® OpenShift® Container Platform Red Hat Consulting Banking Headquarters 159 branches ~6,500 employees +£1 billion 2018 revenue “With Red Hat OpenShift, we’ve improved our IT efficiency, reliability, security, and reusability.” Benefits • Gained responsive scal- Denis Blackwood ability to grow digital banking Head of IT services, CYBG PLC platform from 40,000 to more than 1 million customers in less than 12 months • Increased IT efficiency by automating repetitive tasks and optimizing hardware resource use • Established solid foundation for future innovation with open source IT experts facebook.com/redhatinc @redhat linkedin.com/company/red-hat redhat.com Customer case study Embracing digital banking to challenge established competitors “Red Hat’s engagement with the open source CYBG PLC is the parent group of Clydesdale Bank, Yorkshire Bank, Virgin Money, and digital banking service B. With a goal to disrupt the status quo in the banking industry, the group aims to capture community, and the market share as payment, mortgage, and lending markets evolve. -
Chief Executive's Report 2010
Chief Executive’s report The highlights of the Society’s performance include: “excess” was managed down in line with the • return to profitability; statutory operating profit reduced requirements of the enlarged Group; £115m (2009: £12m loss) and core operating • maintained asset quality; the percentage of loans profit (see table below) of £128m (2009: over three months in arrears by volume was Iain Cornish £8m), representing a continuation of the trend stable at 1.84% (31 December 2009: 1.84%); reported at 30 June 2010; Our vision and strategy • wholesale funding; the issuance of a €600m five year covered bond in September supporting Our vision is “to be the best organisation that our For many decades the Yorkshire has been run with Core operating profit our balanced funding strategy; customers do business with”. the interests of current and future members very In addition to statutory profit before tax, the Board uses core clearly at its heart. The vast majority of the Society’s operating profit to monitor the Group’s performance. This is • performance of the Chelsea brand ahead We aim to achieve our vision by providing our because the statutory figure includes a number of items that activities have been centred on lending to people the Board believes do not reflect the longer-term, sustainable of expectations; delivery of planned merger members and customers with financial security to allow them to own their own homes, funded business performance either because they are pure accounting synergies and integration well advanced; and long-term value across a comprehensive range measures (e.g. -
Online Services Tariff for Business Customers
Online Services Tariff for Business Customers This tariff should be read alongside the Business Banking Tariff Guide. It shows the details of the fees payable for our online business banking services – Business Internet Banking and Internet Banking. For information about all the other fees and costs payable for business banking services, check out our Business Banking Tariff at virginmoney.com/business Business Internet Banking Business Internet Banking Service Fees • Set up and control additional Users • Real time reporting on most business accounts • External funds transfers via Faster Payments* • Batching of individual payments No monthly subscription fee • Dedicated helpdesk support (8am – 6pm Monday – Friday) • BACS Payment capability (requires set up) • International Payment capability (requires set up) • Guaranteed same day CHAPS payment capability (requires set up) Business Internet Banking Transactional Fees Faster Payments – Auto Debit As per Auto Debit transaction charge on your Business Tariff, charged separately on a monthly basis. Standard Tariff = £0.30 per payment. BACS Payments £0.18 per payment Charge for exceeding BACS credit limit £40.00 charged separately on a quarterly basis CHAPS Payments £17.50 per payment charged separately† Copies of confirmation/advices £5.00 per item charged separately International Payments SWIFT £17.50 per payment charged separately††^ SEPA £15.00 per payment charged separately††^ Charge clause options BEN: Deducted Clydesdale Bank/Yorkshire Bank charges from amount sent (receiver pays all charges, including Other Bank charges). SHA: Debit me with Clydesdale Bank/Yorkshire Bank charges only. OUR: Debit me with all charges (payer pays all sending and receiving bank charges). Copies of confirmations/advices £5.00 per item charged separately. -
Retail Banking
Campaigns in Context MRS Media Research Summit Andy Dexter & Heval Ceylan-Gilchrist MESH Experience www.meshexperience.com Real-time Experience Tracking (RET) – Retail Banking MONTHLY PRE DIARY POST 800+ pre stage survey respondents. 400+ experience diary participants per month. 2,000+ experiences monthly, ongoing. Pre survey to capture Diary to capture Post survey to capture Nationally representative relevant dimensions: e.g. behaviour, thoughts, relevant dimensions e.g. within England and Wales attitudes, brand health brand experiences in brand health and imagery amongst UK current account and imagery real-time to measure impact holders, aged 18+ ONLINE REAL-TIME ONLINE Covers all demographic segments – age, income, 5,400 PEOPLE socioeconomic group. 23,000 EXPERIENCES 2 Real-time Experience Tracking (RET) – Retail Banking Survey Real time (e.g.) Survey Touchpoint (e.g.) Brand (e.g.) A. TV A. Brand A B. Radio B. Brand B C. Press C. Brand C Diary D. Mailing D. Brand D E. Outdoor Participant adds F. Digital Positivity comments about • Brand metrics On a scale Persuasiveness each touchpoint • Brand metrics • Demographics of 1 to 5 On a scale of 1 to 5 plus emotional • Product holding (5 is very positive) (5 is much more likely) and rational • Purchasing How did the behaviour How much more likely descriptors of experience make are you to choose the each touchpoint you feel? brand next time? experience 3 Upcoming Retail Banking Landscape Report Analysis and insight into the rising trends: • Continued consumer cynicism and the pursuit of meaning and purpose for banking brands. • The revolution in retail and the potential new role for branches. -
Savings Account Application Form
POD003 Savings Account Application Form Share account only - deposit account prohibited by statute. Only to be completed by individuals on their own behalf For use by private individuals only. An additional application form should be completed where there are more than two account holders of the proposed account. For use by UK residents only. Corporate Bodies, Companies resident in the UK, Trustees for partnerships, charities and unincorporated clubs/associations should not complete this form but should ask for the appropriate form. Important Notice: Before completing this form please read carefully the specific terms and conditions relating to the savings account you are opening (the account terms) as we shall seek to rely on them. In addition, please read the notes under Customer Identification section 7. Please complete this form and then read the Agreement to assign windfalls to charity and the Declarations and sign the form at the end. If you do not understand any point or require assistance in completing this form, please call Skipton Direct on 0345 850 1722. For office use only (Complete once open) Account number Section 1: Account information Type of account Please pay my interest monthly annually Section 2: Account holder(s) details NOTE: If an account is to be opened by an Attorney, please complete a Savings Account Registration Form. Names - If more than 2 account holders are required, please complete an additional application form (maximum of 4 on an account). Only the first named account holder will be recorded in the Society’s records as the Representative Joint Shareholder for the account. -
Best Buys Data Supplied By
the times | Saturday October 5 2019 1G M 67 Money Best buys Data supplied by Savings Mortgages Personal loans Easy access (without introductory bonus) First-time buyer mortgages Fixed monthly repayment on £10,000 for 5 years Provider Contact Account Min AER Redmptn (without insurance) Provider Contact Initial Period Max Fee Charge Rep Amount per Total Virgin Money virginmoney.com Double Take E-Saver 12 £1 1.45% Rate LTV Until Provider Contact APR month repaid Virgin Money virginmoney.com MUFC Double Take E-Saver 7 £1 1.45% HSBC 0808 256 6876 2.69% F to 31.1.22 95% - To 31.1.22 John Lewis 0345 266 1380 2.9% £179.07 £10,744.20 Kent Reliance kentreliance.co.uk Branch & Online Access - 35 £1,000 1.43% Furness BS 0800 220568 2.99% D for 2 years 95% - 1st 2 yrs M&S Bank 0800 363 400 2.9% £179.07 £10,744.20 Yorkshire Building Society ybs.co.uk 1 Year Ltd Access Saver £100 1.40% The Melton BS 01664 414141 2.79% D for 3 years 95% - 1st 3 yrs Sainsbury's Bank 0800 169 8503 2.9% £179.07 £10,744.20 Chelsea Building Society thechelsea.co.uk 1 Year Ltd Access Saver £100 1.40% Santander 0800 100802 3.19% F to 2.1.23 95% - To 2.1.23 Tesco Bank 0345 600 6016 2.9% £179.07 £10,744.20 Long-term fixed rates Monmouthshire BS 0845 888 8000 2.95% F for 5 years 95% - 1st 5 yrs Borrowing rates and availability of products are subject to individual credit ratings. -
Lenders Who Have Signed up to the Agreement
Lenders who have signed up to the agreement A list of the lenders who have committed to the voluntary agreement can be found below. This list includes parent and related brands within each group. It excludes lifetime and pure buy-to-let providers. We expect more lenders to commit over the coming months. 1. Accord Mortgage 43. Newcastle Building Society 2. Aldermore 44. Nottingham Building Society 3. Bank of Ireland UK PLC 45. Norwich & Peterborough BS 4. Bank of Scotland 46. One Savings Bank Plc 5. Barclays UK plc 47. Penrith Building Society 6. Barnsley Building Society 48. Platform 7. Bath BS 49. Principality Building Society 8. Beverley Building Society 50. Progressive Building Society 9. Britannia 51. RBS plc 10. Buckinghamshire BS 52. Saffron Building Society 11. Cambridge Building Society 53. Santander UK Plc 12. Chelsea Building Society 54. Scottish Building Society 13. Chorley Building Society 55. Scottish Widows Bank 14. Clydesdale Bank 56. Skipton Building Society 15. The Co-operative Bank plc 57. Stafford Railway Building Society 16. Coventry Building Society 58. Teachers Building Society 17. Cumberland BS 59. Tesco Bank 18. Danske Bank 60. Tipton & Coseley Building Society 19. Darlington Building Society 61. Trustee Savings Bank 20. Direct Line 62. Ulster Bank 21. Dudley Building Society 63. Vernon Building Society 22. Earl Shilton Building Society 64. Virgin Money Holdings (UK) plc 23. Family Building Society 65. West Bromwich Building Society 24. First Direct 66. Yorkshire Bank 25. Furness Building Society 67. Yorkshire Building Society 26. Halifax 27. Hanley Economic Building Society 28. Hinckley & Rugby Building Society 29. HSBC plc 30.