Our Sustainability Report 2019
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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 -
3-Night Southern Yorkshire Dales Gentle Guided Walking Holiday
3-Night Southern Yorkshire Dales Gentle Guided Walking Holiday Tour Style: Guided Walking Destinations: Yorkshire Dales & England Trip code: MDBEW-3 1, 2 & 3 HOLIDAY OVERVIEW Renowned for its warm welcomes and wonderful walks, the Yorkshire Dales will charm you with its choice of landscapes. Whether you’re seeking solitude and wilderness or the charm of cobbled streets in quaint villages, the quiet homely beauty of the Yorkshire Dales will have you hooked. HOLIDAYS HIGHLIGHTS • Head out on guided walks to discover the varied landscape of the Southern Yorkshire Dales on foot • Experience this beautiful national park at a very gentle pace with plenty of time to admire your surroundings • Admire green valleys and waterfalls on riverside strolls • Marvel at the wild landscape of unbroken heather moorland and limestone pavement • Explore quaint villages and experience the warm Yorkshire hospitality at its best • Let our experienced leader bring classic routes and offbeat areas to life • A relaxed pace of discovery in a sociable group keen to get some fresh air in one of England's most www.hfholidays.co.uk PAGE 1 [email protected] Tel: +44(0) 20 3974 8865 beautiful walking areas TRIP SUITABILITY This trip is graded Activity level 1, 2 and 3. This easier variation of our best-selling Guided Walking holidays is the perfect way to enjoy a gentle exploration of the Yorkshire Dales. The choice of up to three guided walks including a walk of 3 or 4 miles. ITINERARY Day 2: Through Ribblesdale To Settle Option 1 - Ribble Valley Wander Distance: 4 miles (6.5km) Ascent: 300 feet (100m) In Summary : Visit the fascinating Hoffman brick kilns then walk below the limestone crags of Stainforth Scar. -
Beer Matters Is © CAMRA Ltd
Issue 484 April 2018 @shfcamra /sheffieldcamra sheffield.camra.org.uk The free magazine of CAMRA Sheffield & District Issue 484 April 2018 News 4 RambAles 2018 Sheffield brewers enjoy Rotherham awards 3,500 monthly circulation Opinion 6 Editor Dom’s Casks of the Month Dominic Nelson [email protected] Articles, comments and suggestions are most welcome so please send Pubs 8 them in* PUBlic Transport Bus 4/4a Norfolk Park, Grenoside Horse & Jockey, Wadsley Advertising Heritage Pubs - East Anglia Dominic Nelson [email protected] Quarter Page £40+VAT Half Page £60+VAT Breweries 14 Full Page £90+VAT Fuggle Bunny, Exit 33, Inside Cover £100+VAT Chantry, Stancill, Sheffield Back Cover £110+VAT Brewery, Welbeck Abbey Discounts for regular placements Bradfield, Steel City, Loxley PDFs or high-res (300 dpi) bitmaps only please Design from £30 Updates from £10 Awards 24 District Pub of the Season Next copy deadline Pubs of the Month March 2018 Friday 6th April Pubs of the Month April 2018 Opinions expressed are those of the author and may not represent those Festivals 28 of CAMRA, the local branch or editor. Beer Matters is © CAMRA Ltd. Diary 30 *For legal reasons a full name and address must be provided with all contributions. Committee 30 RambAles 2018 In last month’s Beer Matters, we brought you a short introduction to our regular RambAles, a series of walks of Sheffield brewers enjoy between roughly four and seven miles, with a few pub stops along the way. We can now reveal that there will be eight Rotherham awards RambAles taking place throughout 2018. -
Chelsea Building Society Mortgage Rates
Chelsea Building Society Mortgage Rates Insecure Pincas retaliates reparably. Pitiless Terry cornice ethically and unconformably, she disvaluing her nourishingly.Piaget parks fleetly. Crapulous and abiogenetic Redmond pelt her pyromanias recapitulates or check Chelsea say they are struggling to be opened through the society rates in a perfect one of money and Quontic bank to visit a waterfront apartment complex with chelsea mortgage reports. We process with chelsea mortgage repayments. Yorkshire bank instant new account dart productions. Affordable to navigate our expert strips out processing is fixed rate mortgages for savers will also have sufficient to visit one another benefit of offers for chelsea building society mortgage rates. Would let come into the range of a crown loan shark to business rates. How can speak make less interest on or money 6 easy options. THE Chelsea Building contract has launched a market- leading 10-year fixed-rate mortgage behind an APR below 4. Chelsea Building with Two Year Fixed Rate Buy-to-Let. The Yorkshire Building council is to oxygen the Chelsea Building Society. The Mortgage Works is run again the Nationwide building society. Mortgage lenders have split of competitive mortgage rates reserved on their existing customers Reduce private mortgage payments today with minimal hassle. Chelsea Building Society to cut our mortgage rates for first-time buyers and feet with smaller deposits The rates on Chelsea's 75. Chelsea Building Society launches low-fee but Mortgage. Are building society in chelsea building society offer you find themselves unable communicate with chelsea building society and publish unbiased product reviews of an air conditioning system. -
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. -
The Dales High Way Guided Trail
The Dales High Way Guided Trail Tour Style: Guided Trails Destinations: Lake District, Yorkshire Dales & England Trip code: MDLDA Trip Walking Grade: 4 HOLIDAY OVERVIEW The Dales High Way is a 90-mile glorious walk over the high-level countryside of the Yorkshire Dales. It begins at the Victorian model village of Saltaire and follows ancient drovers’ ways, packhorse tracks, and green lanes to the historic market town of Appleby in Westmorland. Highlights include the famous Rombald’s Moor with its Neolithic rock carvings, the dramatic scars, gorges and cliffs of Malhamdale, the Stainforth waterfalls along the River Ribble where in autumn salmon can be seen leaping, lonely Crummackdale, an ascent of Ingleborough one of Yorkshire’s Three Peaks and the one people call the most beautiful, the green, tranquil valley of Dentdale, a six mile marvellous ridge walk traversing the Howgill Fells, the picturesque Sunbiggin tarn and the marvellous limestone pavement of Great Asby Scar. WHAT'S INCLUDED • High quality en-suite accommodation in our country house • Full board from dinner upon arrival to breakfast on departure day • The services of an HF Holidays' walks leader • All transport on walking days www.hfholidays.co.uk PAGE 1 [email protected] Tel: +44(0) 20 3974 8865 HOLIDAYS HIGHLIGHTS • 90-mile glorious walk from the Victorian model village of Saltaire to the market town of Appleby • Follow drovers' ways, packhorse tracks and green lanes • Rich and varied wildlife • Ascend Ingleborough, one of Yorkshire's Three Peaks TRIP SUITABILITY This Guided Walking/Hiking Trail is graded 4 which involves walks /hikes over long distances in remote countryside and rough terrain. -
Account Registration Form
Account Registration Form This form is to be completed to enable attorney(s), deputy(ies) or guardian(s) to administer and carry out transactions on the account(s). If you need any help completing this form, please call us on 0345 266 1209 or visit your local branch. Section 1: Type of registration Power of Attorney Deputy (Court of Protection) Financial Guardianship Section 2: Account holder details (Donor) Account Holder Name (Donor) Customer number Customer Date of Birth DD / MM / YY Account number(s) of account holder Address Postcode Please register on new account Please register against any remaining accounts not listed above *please refer to section 11 for more information on opening an ISA as power of attorney. Please ensure the relevant application form has been completed with the donors details. Section 3: Operator details (Attorney(s), Deputy(ies) or Guardian(s) being added to the account) Details of first operator Any other Details of second operator Any other Title First Name(s) initial(s) Title First Name(s) initial(s) Surname Date of birth Surname Date of birth DD / MM / YY DD / MM / YY Address Address Postcode Postcode Home Number Mobile Home Number Mobile Email Address Email Address If more than two Operators are required, please complete an additional Account Registration Form Section 4: Alerts and preferences Transaction Alerts We offer an email/text alert service to help keep you up to date about your account. If you would like to sign up to receive transaction alerts please complete this section. If you do not want receive alerts, please leave this section blank. -
YOUR INHERITANCE. YOUR Choice. It Doesn’T Matter Who You Are Or How We’Re Helping You, There Are Five Key Principles That Will Always Underpin the Way We Work
inheritance TAX YOUR INHERITANCE. YOUR choice. It doesn’t matter who you are or how we’re helping you, there are five key principles that will always underpin the way we work. These are the things that make us different. They also ensure that together we can plan your future today to create a brighter financial tomorrow. Finance MADE frienDLY We’ll treat you like an individual, not just a number. For a stronger partnership and a far more personal approach to financial services, we’ll spend as long as it takes getting to know you, your lifestyle and your aspirations. Peace OF MinD We’ll always keep your peace of mind uppermost in ours, as well as keeping you informed throughout our partnership. By understanding your unique situation and goals we’ll only ever recommend financial products we know you’ll be comfortable with. OUR EXperience IMproVES yourS With a track record stretching back decades, you’ll reap the rewards of our expertise and our acute awareness that your best interests are ours too. TruST IS EVerythinG Our reputation is built on trust; we’ll make sure things stay that way by always acting with integrity and being true to our word. IT’S your Money At SFS it really is all about you, not us. That’s why we’ll never forget that it’s your money we’re dealing with and your financial future that matters. 2 PLANNING TOMORROW TOGETHER WILL YOU BE GIVING GENEROUSLY TO THE TAXMAN? Having worked hard all your life to build your financial portfolio and assets, it’s upsetting to know that 40% of everything over a certain threshold could be given back to the Government in Inheritance Tax (IHT). -
Conference '09
CravenRail The newsletter for supporters of SELRAP: - the Skipton-East Lancashire Rail Action Partnership Issue 14 Conference edition 2010 “The Department for Transport has agreed to work with Pennine Lancashire partners to develop a process to take forward the Colne to Skipton Rail Reinstatement, through the Pennine Lancashire Multi Area Agreement” ..... Gordon Brown, Prime Minister And there is more. For, fast forwarding to the views expressed [below] by keynote speakers at SELRAP’s Autumn 2009 conference, it is clear that proposals to reopen the Skipton-Colne rail line are now flagged up by all the major political parties ..... Ed. “There are substantial benefits, it is clear, from reopening this [Skipton-Colne] portion of track. They are not only the direct benefits, but [also] the wider benefits”..... Stephen Hammond, Conservative Shadow Transport Minister “We have identified 14 lines which we think should be reopened without any further delay. You will not be surprised to learn that Colne-Skipton is in there!” ..... Norman Baker, Lib Dem Shadow Secretary of State for Transport CONFERENCE ‘09: • POLITICIANS • RAIL INDUSTRY • DEVELOPERS YES • PLANNERS to • CONSULTANTS RAIL LINK Skipton-East Lancashire Rail Action Partnership LINKING CITIES AND REGIONS ACROSS THE NORTH Patrons: Richard Bannister, Rt Revd Nicholas Reade. MPs David Curry, Gordon Prentice, Kitty Ussher, Nigel Evans, Anne McIntosh. MEPs Chris Davies, Jacqueline Foster, Timothy Kirkhope, Brian Simpson, Diana Wallis. 2 Being a conference edition you’d expect a reference to SELRAP’s most high profile event, ever. And what with Network Rail being the nation’s infrastructure provider, it Contents seems a good point to open the batting: Network Rail very much understands the challenge that the Skipton East Lancs Railway Action Partnership are seeking to address in the re-instatement of the Colne-Skipton line and has had a number of useful meetings with the Partnership in recent months. -
Investor Presentation
Skipton Building Society Investor Presentation June 2015 Contents Overview 3 Financial Results 8 Mortgage Business 17 Liquidity & Funding 22 Connells Group 26 Summary 29 Contacts 31 Appendix 33 2 Overview Group Overview Ultimate parent, member owned . The Society is the 4th largest building society in the UK. Group total assets of £16.0bn in 2014. 95 branches across the UK from Plymouth to Aberdeen. Committed to mutuality – the Society’s heritage over its 162 year history continues to provide us with the focus on Subsidiary, non member business supporting our members, generating sufficient profit to maintain a strong balance sheet and take longer term decisions to invest in the future development of the Strategically important to business. our customer proposition . Over the past two years we have disposed of six, and closed one subsidiary that are no longer strategically important to the Group. The businesses deliver very strong return on . The Society has a number of remaining subsidiaries/non- member businesses that deliver strong returns. capital employed . In June 2015, bthboth Md’Moody’s & Fitc h upgraddded the SitSociety to Baa2 and BBB+ respectively, with a stable outlook. Residential mortgage books in run-off Defensive move , core IT platform 4 Peer Group Comparison 2014 Skipton Yorkshire Coventry Leeds Principality Group Profit Before Tax (£m) 181.6 188.2 201.8 87.9 64.2 Growth in Group Profit Before Tax 75.0% -5.6% 52.8% 36.9% 123.7% Profit After Tax/Mean Assets1 0.80% 0.41% 0.53% 0.60% 0.58% NIM 1.40% 1.52% 1.15% 1.58% 1.87% Cost Income Ratio2 44.5% 59.0% 36.2% 33.0% 46.1% Total Group Assets (£bn) 16.0 37.6 31.3 12.1 7.3 CET1 Ratio 16.2% 13.8% 25.4%3 15.6% 18.2%3 Leverage Ratio 6.0% 4.8% 3.9% 5.6% 5.0% Net Savings Growth 11.7% 3.5% 9.8% 6.6% 0.7% Net Lending Growth 11.2% 83%8.3% 11. -
Application Form
Leap Account Share account only - deposit account prohibited by statute. A Leap Account can only be opened in the name of one person aged 18 or younger, and each person may only have one account. For use by UK residents only. All correspondence relating to this account will be sent Application to the address of the account holder unless otherwise instructed. Important Notice: Before completing this form please read carefully the terms and conditions relating to this account as we shall seek to rely on them. These are contained in the marketing literature and Form the Investment Account Terms and Conditions. In addition, please read the notes under Customer Identification below. Please complete this form and then read and sign the Agreement to assign windfalls to charity and the Declarations overleaf. If you do not understand any point or require assistance in completing this form, please call Skipton Direct on 0345 850 1722*. Account information Type of Account - LEAP ACCOUNT Opening Investment - Cash £ Cheque(s) £ Total £ Cheques should be payable to SKIPTON BUILDING SOCIETY RE: THE ACCOUNT HOLDER(S) I authorise you to transfer £ from my/our Skipton Account Number: (Please enclose your passbook) Please indicate the number of signatures required for each withdrawal: Note: If the account is operated by a parent, legal guardian or other person please complete operator details below. Account holder (young saver’s) details Operator (parent, legal guardian or other person) details Title Surname FIrst Name and other initials Title Surname FIrst Name and other initials 1. 2. Postcode Postcode Tel No. Day Evening Tel No.