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1 Mortgage Valuations Guide and Homebuyer Surveys | YBS
https://www.ybs.co.uk/mortgages/help/mortgage-valuations-and-surveys
A handy guide to our mortgage valuations and surveys: why we need them, what they cost and what they mean for your mortgage application.
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2 Mortgage Valuations & Surveys - Chelsea Building Society
https://www.thechelsea.co.uk/help/mortgages/valuations-surveys
Here's a guide to the types of mortgage valuations, what they cost and why we need ... Yorkshire Building Society is a member of the Building Societies ...
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3 Yorkshire Building Society takes on Ambiental Flood Data via ...
https://www.ambientalrisk.com/yorkshire-building-society-takes-on-ambiental-flood-data-via-hometrack/
Yorkshire Building Society is adopting Ambiental flood data, as it undertakes climate change risk analysis with Hometrack, ...
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4 Yorkshire Building Society - Prime Choice
https://www.primechoiceproperties.co.uk/yorkshire-building-society/
Prime Choice is a Yorkshire Building Society agency. We offer access to YBS Mortgages or an Independent Mortgage Advisor.
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5 Yorkshire Building Society adds 95% remortgages to range
https://www.yourmortgage.co.uk/remortgage/yorkshire-building-society-adds-95-remortgages-to-range/
The mortgages are both fee-free and come with a free standard valuation and free remortgage legal service. Lower rates. The lender has also ...
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6 Rebecca Bradley - Valuation Risk Specialist - LinkedIn
https://uk.linkedin.com/in/rebecca-bradley-51a9a7116
Rebecca Bradley. Policy and Governance Consultant at Yorkshire Building Society Group. Yorkshire Building Society GroupBoston Spa Comprehensive School ...
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7 Yorkshire BS: Own valuation+survey or theirs?
https://forums.moneysavingexpert.com/discussion/5285156/yorkshire-bs-own-valuation-survey-or-theirs
We're in the process of applying for a mortgage online with Yorkshire Building Society.
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8 Yorkshire BS cuts high-LTV rates by up to 0.55%
https://www.financialreporter.co.uk/mortgages/yorkshire-bs-cuts-high-ltv-rates-by-up-to-055.html
Yorkshire Building Society has launched a range of new mortgage deals to help borrowers ... All products come with a free standard valuation.
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9 Yorkshire Building Society unveils new deals and cuts rates
https://www.mortgagefinancegazette.com/lending-news/yorkshire-building-society-unveils-new-deals-cuts-rates-08-01-2021/
The lender is offering new deals for borrowers who need to borrow up to 80% of their property's value. However it has also slashed rates on some ...
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10 Valuing your residential or BTL property
https://www.skipton.co.uk/mortgages/mortgage-hub/valuing-your-property
Skipton Building Society is a member of the Building Societies Association. Authorised by the Prudential Regulation Authority and regulated by the Financial ...
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11 Mortgage charges and valuation fees | Intermediary Services
https://www.leedsbuildingsociety.co.uk/intermediaries/charges-and-valuation-fees/
Find out about Leeds Building Society's mortgage charges and valuation fees. ... The Society's fees in relation to obtaining a valuation are listed below.
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12 Pepper Money launches limited edition products; Yorkshire ...
https://www.mortgagesolutions.co.uk/news/2021/09/15/pepper-money-launches-limited-edition-products-yorkshire-cuts-rates-across-ltv-bands-round-up/
All include free valuations and the completion fee is £995. ... Yorkshire Building Society reduces rates across LTV ranges.
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13 Down Valuations information - Accord Mortgages
https://accordmortgages.co.uk/literature-information/fees-charges/down-valuations/index.html
Fees and charges for Accord Mortgages products, product and valuation fees, ... to 'YBS Group' or 'Yorkshire Group' refer to Yorkshire Building Society, ...
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14 Yorkshire cuts 95% deal by 34 basis points - Mortgage strategy
https://www.mortgagestrategy.co.uk/news/yorkshire-cuts-95-deal-by-34-basis-points/
Yorkshire Building Society has cut rates at 95% LTV by up to 34 ... to 3.45% with a £995 fee, £250 cashback and free standard valuation.
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15 Yorkshire Building Society - Clubleys
https://www.clubleys.com/pages/yorkshire-building-society
As well as running our core business as an Estate Agent, we are also a Yorkshire Building Society (YBS) Agency. As an agency for YBS we're here to help more ...
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16 Yorkshire Building Society Company Profile - Overview
https://www.globaldata.com/company-profile/yorkshire-building-society/
Yorkshire Building Society (YBS) is a member-owned organization that provides financial services. It offers a wide range of mortgages and savings solutions ...
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17 Fitch Affirms Yorkshire Building Society at 'A-'; Outlook Stable
https://www.fitchratings.com/research/banks/fitch-affirms-yorkshire-building-society-at-a-outlook-stable-04-11-2022
Stable, Undiversified Business Model: YBS's ratings reflect its ... given the secured, low loan-to-value nature (ILTV: 57% average) of the ...
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18 Working at Yorkshire Building Society | Glassdoor
https://www.glassdoor.ie/Overview/Working-at-Yorkshire-Building-Society-EI_IE37789.11,37.htm
Yorkshire Building Society (YBS) provides mortgages, savings, personal loans, and brokerage services. One of the UK's largest mutually owned financial ...
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19 Yorkshire building society relaunches 90% mortgages for first ...
https://www.theguardian.com/money/2020/jun/26/yorkshire-building-society-relaunches-90-per-cent-mortgages-for-first-time-buyers
The society has cut rates across the rest of its range. A similar five-year fixed-rate for remortgagors borrowing up to 65% loan to value has an ...
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20 Yorkshire Building Society YBS Lifetime Mortgage Over 60 ...
https://www.frequentfinance.co.uk/yorkshire-building-society-lifetime
Loan to value for equity release? You can borrow 70% of your home's valuation. For example, if your house is valued at £260,000 you can release £182,000.
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21 YBS Equity Release – Yorkshire Building Society Lifetime ...
https://www.ravenwoodservices.co.uk/yorkshire/
How Much Would You Like To Borrow?* · Estimated Value Of The Property?* · Total amount of mortgage/loans on your property · Please tell us what you want and why?
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22 Yorkshire Building Society Launches Record-Breaking 0.78 ...
https://www.moneyexpert.com/news/yorkshire-building-society-launches-record-breaking-0-78-mortgage/
It comes with a free valuation and a £995 product fee—refreshingly cheap for a low-interest mortgage. Lenders often try to claw back money with ...
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23 Yorkshire Building Society reduces remortgage rates
https://www.moneyage.co.uk/yorkshire-building-society-reduces-remortgage-rates.php
Yorkshire Building Society has announced reductions to selected rates for ... free standard valuation and free remortgage legal services.
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24 How Yorkshire Building Society has seen its mortgage ...
https://www.yorkshirepost.co.uk/business/how-yorkshire-building-society-has-seen-its-mortgage-balances-rise-to-a-record-ps433bn-3783136
Yorkshire Building Society reported a rise in profits as mortgage ... wellbeing and delivering value to our members over the long term.
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25 Yorkshire Building Society Mortgages [GREAT RATES!]
https://www.fairmortgages.co.uk/yorkshire-building-society-mortgages
Compare Yorkshire Building Society Mortgage Rates - call on 0117 403 4474 - FREE ... several factors including the value of the property you want to buy, ...
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26 Yorkshire Building Society Social Financing Framework
https://www.spglobal.com/_assets/documents/ratings/research/100459006.pdf
aim, YBS offers 90% loan-to-value mortgages, with a maximum term of 40 years and maximum borrower age at term end of 80 years, ...
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27 Yorkshire Building Society Mortgage Rates - NerdWallet
https://www.nerdwallet.com/uk/mortgages/yorkshire-building-society/
Compare Yorkshire Building Society mortgages today. Clear & simple comparison of mortgage rates, types & deals. Find a repayment that fits ...
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28 Yorkshire Building Society Drives CX Program with OutSystems
https://www.outsystems.com/case-studies/yorkshire-building-society-digital-experience-improvement/
Yorkshire Building Society (YBS) Drives Digital Customer Experience Program ... greater financial wellbeing, and creating long-term value for its members.
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29 Yorkshire Building Society response to UIS - GOV.UK
https://assets.publishing.service.gov.uk/media/5583e563ed915d158e000005/Yorkshire_Building_Society_response_to_UIS.pdf
Yorkshire Building Society (“YBS”) Group welcomes the opportunity to respond ... charges are significant and there is a risk they could represent poor value.
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30 2.93% Yorkshire Building Society Equity Release Over 60 2022
https://www.concisefinance.co.uk/yorkshire-equity-release
Free No Obligation Quote · How Much Would You Like Borrow/Release?* · Value of your property* · Approximate outstanding mortgage you have on your property (if ...
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31 Yorkshire Building Society Builds Online Mortgage Calculator ...
https://www.digitalesystems.com.br/rsu-o-que-sao-residuos-solidos-a-politica-nacional/
High-speed application platform underpins digitization strategy. Yorkshire Building Society (YBS) Group is now able to quickly develop and deliver ...
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32 When will the blockage on mortgage valuations for flats end?
https://www.building.co.uk/focus/when-will-the-blockage-on-mortgage-valuations-for-flats-end/5115582.article
Michael Gove wants to unlock a part of the housing market frozen by concerns over fire safety, ... Yorkshire Building Society.
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33 Vacancy Details - Jobtrain
https://www.jobtrain.co.uk/ybscareers/displayjob.aspx?jobid=1762
YBS is changing and we're passionate about our future. Our people are our heart and soul and we need a Senior Manager – Estates Management & Development to ...
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34 Yorkshire Building Society reviews - Smart Money People
https://smartmoneypeople.com/yorkshire-building-society-reviews/products
We strive to achieve this by delivering financial security and long-term value to our members along with exceptional service. Smart Money People is the place ...
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35 Yorkshire Building Society - Headquarters Locations, Products ...
https://www.cbinsights.com/company/yorkshire-building-society
Yorkshire Building Society provides financial services such as mortgages, savings, ... and mobile phone value-added services and operate online advertising ...
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36 Form ABS-15G Yorkshire Building Society - SEC Report
https://sec.report/Document/0001387131-21-003465/
Form ABS-15G filed by Yorkshire Building Society with the security and ... A Mortgage Valuation Report (“MVR”, being a valuation based on an ...
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37 Yorkshire Building Society - RNS Submit
https://www.rns-pdf.londonstockexchange.com/rns/2580A_1-2021-5-28.pdf
On 28 July 1993 Yorkshire Building Society (the “Issuer” or the “Society”) ... exchange rates) affect the value of assets and liabilities ...
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38 YBS launch new range for borrowers with smaller deposits
https://www.propertyreporter.co.uk/finance/ybs-launch-new-range-for-borrowers-with-smaller-deposits.html
The latest products announced by Yorkshire Building Society aim to ... This home loan comes with £750 cashback, free standard valuation and ...
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39 Experts | Simon Summerby-Bent - Colliers
https://www.colliers.com/en-gb/experts/simon-summerbybent
- Annual valuation of approximately 250 properties for financial statements purposes in the Midlands/East Anglia for Nationwide and Yorkshire Building Societies ...
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40 Summary funding statement as at 31 December 2020
https://ybspensionscheme.co.uk/documents/2021_SFS_final.pdf
Yorkshire Building Society Pension Scheme. Summary funding statement as at 31 December 2020 ... The last full valuation was carried out as at 31 December.
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41 Yorkshire Building Society Goes Live with nCino
https://www2.ncino.com/2018-03-05/yorkshirebuildingsociety
Bradford-based Yorkshire Building Society, one of the largest building ... team to effectively improve value for its customers by delivering ...
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42 Yorkshire Building Society Developer Portal - Pronovix
https://pronovix.com/blog/ybs-developer-portal
In 2020 YBS not only updated its developer portal to Drupal 8 but also simplified the ... December 1, 2020 | Categories: Business value and strategy, ...
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43 Mortgage Valuation Report - Ecology Building Society
https://www.ecology.co.uk/wp-content/uploads/2019/02/MF001-Valuation-Report.pdf
In some cases, the construction may be such that only site value can ... Building Society, 7 Belton Road, Silsden, Keighley, West Yorkshire, BD20 0EE.
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44 Coronavirus (COVID-19) - Yorkshire Building Society
https://yorkshirebuildingsociety.co.uk/coronavirus-info/index.html
What's the process if I want to close my account or do an internal transfer to an existing YBS account? You can either visit your local branch/agency or ...
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45 Find an approved Solicitor - Yorkshire - LenderPanel
https://www.lenderpanel.com/lender/yorkshire-building-society/ew/solicitor-panel
Find a conveyancing solicitor on the Yorkshire Building Society conveyancing panel. ... the surveyor's assumptions in Yorkshire Building Society's valuation ...
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46 How can technology and data help us understand property risk?
https://www.corelogic.uk/news/can-technology-data-help-us-understand-property-risk/
... the industry to understand the value of housing assets and property risk. ... group chief valuer, Yorkshire Building Society Group; ...
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47 Chelsea Building Society - Wikipedia
https://en.wikipedia.org/wiki/Chelsea_Building_Society
Chelsea Building Society is a trading name of Yorkshire Building Society based in Bradford, West Yorkshire. Chelsea merged with the Yorkshire in 2010, ...
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48 New ranges from The Mortgage Works and Yorkshire Building ...
https://www.mortgagesforbusiness.co.uk/news-insight/2018/june/new-ranges-from-the-mortgage-works-and-yorkshire-building-society/
In addition, a choice of products with free standard valuation and ... Meanwhile the Yorkshire Building Society has launched a new range of ...
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49 Yorkshire Building Society snaps up Susan Allen ... - City A.M.
https://www.cityam.com/yorkshire-building-society-snaps-up-susan-allen-from-barclays-to-be-new-ceo/
Yorkshire Building Society has appointed Susan Allen as its new Chief Executive, poaching her from Barclays. Yorkshire Building Society ...
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50 Yorkshire issues first Social Bond
https://www.bsa.org.uk/media-centre/bsa-blog/august-2021/yorkshire-issues-first-social-bond
In a first for the building society sector, Yorkshire Building Society ... Improving financial wellbeing; Delivering long-term member value.
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51 House price index - Nationwide Building Society
https://www.nationwide.co.uk/house-price-index/
Nationwide's house price index lets you find out how the value of your property has changed over time.
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52 YBS offers legal and valuation fee help | BestAdvice
https://bestadvice.co.uk/ybs-offers-legal-and-valuation-fee-help/
The Yorkshire Building Society is offering a free valuation and fee-assisted legal package to all new and existing borrowers to help ease the costs ...
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53 Valuation Panel Appointments - Anderson Wilde & Harris
https://awh.co.uk/valuation-panel-appointments/
We are proud to have been appointed to valuation panels for many lenders and panel managers. Being appointed to a valuation ... Yorkshire Building Society ...
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54 2.42% APR Yorkshire Building Society Equity Release A+ Rated
https://www.hitachicredit.co.uk/yorkshire-building-society-equity-release
No fee added on for Yorkshire Building Society Equity Release! Rates can be as low as 2.42%. Valuation fee is free. Compare with Pure Retirement or Metro ...
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55 Yorkshire Building Society - Inclusive Companies
https://www.inclusivecompanies.co.uk/members/yorkshirebuildingsociety/
Yorkshire Building Society is one of the UK's leading mutual financial services ... Offering flexible, good-value and award-winning mortgages and savings ...
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56 yorkshire building society | ncr
https://www.ncr.com/content/dam/ncrcom/content-type/white_papers/yorkshire_building_society_case_study.pdf
The core business of Yorkshire Building Society remains savings and mortgages. However, it also issues ATM debit cards in association with its savings accounts,.
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57 90% mortgages are back – but there's a catch - Unbiased
https://www.unbiased.co.uk/news/mortgages/90-mortgages-are-back-but-there-s-a-catch
... the abrupt withdrawal of the most high loan-to-value (LTV) mortgages, ... Yorkshire Building Society is offering 3.69% with a £495 fee, ...
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58 Yorkshire builds societal purpose into funding framework
https://sustainabonds.com/yorkshire-builds-societal-purpose-into-funding-framework/
Duncan Asker, Yorkshire Building Society: The backdrop to this is what's branded ... fundamental to what a building society does; providing member value; ...
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59 Yorkshire Building Society Mortgage Reviews
https://www.reviewcentre.com/reviews113547.html
I've been with YBS for just over 2 years, I should have taken more notice when it took them nearly 2 months to do the initial valuation service and I nearly ...
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60 Yorkshire Building Society launches new five-year fixed-rate ...
https://www.which.co.uk/news/article/yorkshire-building-society-launches-new-five-year-fixed-rate-remortgage-deal-afc6h5B7xUGl
The five-year deal is the lowest rate available on an 85% loan-to-value (LTV) but it comes with a hefty £1,995 completion fee. The deal also ...
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61 Yorkshire Building Society launches two-year mortgage at ...
https://www.whatmortgage.co.uk/news/yorkshire-building-society-launches-two-year-mortgage-1-54/
Available to buyers and borrowers looking to remortgage, the 90% loan-to-value (LTV) variable mortgage tracks the Yorkshire's standard variable ...
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62 Compare Yorkshire Building Society Mortgage Rates | finder UK
https://www.finder.com/uk/mortgages/yorkshire-building-society-mortgages
Looking for a mortgage with the Yorkshire Building Society? ... which includes the interest of £139,503, valuation fees of £0 and a product ...
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63 Yorkshire Building Society - Flexi 5-Year 3.99% Fixed Offset
https://www.moneymarketing.co.uk/analysis/yorkshire-building-society-flexi-5-year-3-99-fixed-offset-direct/
Maximum loan: Up to 60% of valuation subject to no maximum. Income multiples: Based on affordability. Conditions: Capital repayments of up ...
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64 New market-leading mortgage rate launched | The Independent
https://www.independent.co.uk/money/new-marketleading-mortgage-rate-launched-b1932572.html
Yorkshire Building Society said the two-year tracker rate of 0.78% is available to ... and has a £995 fee and free standard valuation.
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65 Yorkshire Building Society launches 5% deposit mortgages for ...
https://www.thesun.co.uk/money/14353583/ybs-small-deposit-mortgages-first-time-buyers/
Yorkshire Building Society is launching 5% deposit mortgages for first-time buyersCredit: Alamy. It's one of the first high loan to value ...
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66 Offshore Building Society Launches New Bonds - WealthBriefing
https://www.wealthbriefing.com/html/article.php?id=5028
Yorkshire Guernsey, the Guernsey-based offshore subsidiary of the UK's Yorkshire Building Society has launched two new fixed rate bonds.
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67 Yorkshire Building Society becomes first lender to relaunch 5 ...
https://propertyindustryeye.com/yorkshire-building-society-becomes-first-lender-to-relaunch-5-deposit-mortgages/
The new product, which is available at a borrowing rate of 3.99% with a £995 fee and free standard valuation, does not form part of the ...
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68 Yorkshire Building Society sets 2-yr bond size -IFR | Reuters
https://www.reuters.com/article/yorkshirebuildingsociety-bond-size/yorkshire-building-society-sets-2-yr-bond-size-ifr-idINLU28386520090130
The Yorkshire Building Society [YBS.UL] has set the size of a planned two-year government-guaranteed bond at 500 million pounds ($715 ...
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69 Chartered Surveyors In WETHERBY
https://www.surveys4you.co.uk/surveyor/wetherby/
COMMERCIAL. COMMERCIAL PROPERTY EXPERTISE. We have extensive experience of advising small and large businesses throughout Yorkshire on all their commercial ...
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70 Property and construction | Nationwide for Intermediaries (NFI)
https://www.nationwide-intermediary.co.uk/lending-criteria/property-and-constructions
Prior to valuation, the conveyancer must confirm the property is in an area covered by the West Yorkshire Act 1980. The valuer has strict criteria to judge ...
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71 Valuation Fee Scales
https://www.skipton-intermediaries.co.uk/Submitting-cases/Valuation-Fee-Scales
› Valuation-F...
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72 1.62% APR Equity Release Yorkshire Building Society Bs Ybs
https://www.finance-hub.co.uk/yorkshire-building-society-bs-ybs
Please enter a number from 6000 to 2000000. Estimated Value Of Your Home?*. Total amount of mortgage/loans you have on ...
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73 Yorkshire Building Society Mortgages | MoneySuperMarket
https://www.moneysupermarket.com/mortgages/yorkshire/
MoneySuperMarket's comparison of Yorkshire Building Society mortgages. ... the maximum loan-to-value each provider offers and whether there ...
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74 EWS crisis: some banks could still ask for EWS1 forms on ...
https://www.insidehousing.co.uk/news/news/ews-crisis-some-banks-could-still-ask-for-ews1-forms-on-buildings-exempt-under-new-rics-guidance-70256
Coventry Building Society, TSB, Santander and Yorkshire Building Society all said they will rely on valuers to decide when an EWS1 form will ...
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75 Market-leading mortgage rate launched by Yorkshire Building ...
https://www.business-live.co.uk/professional-services/banking-finance/market-leading-mortgage-rate-launched-21774908
Yorkshire Building Society said the two-year tracker rate of 0.78% is ... which also comes with a £995 fee and free standard valuation.
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76 Yorkshire Building Society migrating application development ...
https://www.computerweekly.com/news/252495440/Yorkshire-Building-Society-migrating-app-development-to-focus-on-customer
Yorkshire Building Society is migrating app development from its legacy system as part of a large investment in digital, ...
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77 YBS relaunches 90% LTV mortgages - FTAdviser.com
https://www.ftadviser.com/mortgages/2020/11/26/ybs-relaunches-90-ltv-mortgages/
House purchase mortgages come with a free standard valuation, while remortgage customers also benefit from paid legal fees.
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78 Yorkshire Building Society launches 15-year fixed rate mortgage
https://www.ft.com/content/e81de10e-cb0d-11e9-a1f4-3669401ba76f
Borrowers with a 65 per cent loan-to-value can lock into a 15-year fix with an interest rate of 2.79 per cent. On home loans with a loan-to- ...
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79 Yorkshire Building Society first to bring back 95% mortgage in ...
https://www.mirror.co.uk/money/yorkshire-building-society-first-bring-23745526
Yorkshire Building Society has become the UK's first high street lender ... Right now, there are only five 95% loan-to-value (LTV) mortgage ...
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80 Banks and building societies are lending with confidence
https://www.mbassociates.net/banks-and-building-societies-are-lending-with-confidence/
Yorkshire Building Society is updating its mortgage lending policies and will be offering up to 90 per cent loan to value on house purchase ...
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81 Yorkshire Building Society releases first-time buyer super deals
https://www.examinerlive.co.uk/news/property/yorkshire-building-society-releases-first-19959492
“These new mortgages have been designed for first-time buyers looking for low upfront costs and who would value £1,000 cashback. Search for ...
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82 Valuation Fees - Penrith Building Society
https://www.penrithbs.co.uk/intermediaries/valuation-fees/
› Intermediaries
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83 HSBC UK will re-introduce 10% deposit mortgages
https://uk.finance.yahoo.com/news/hsbc-uk-introduce-10-deposit-151023530.html
... difficulties in accessing properties to make physical valuations. ... with Yorkshire Building Society, Nationwide and TSB among those ...
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84 Down valuations: Surveyors are likely to undervalue after ...
https://www.thisismoney.co.uk/money/mortgageshome/article-8318979/Down-valuations-Surveyors-likely-undervalue-coronavirus.html
Yorkshire Building Society increased the maximum property value for residential lending from £1million to £2million on residential purchase ...
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85 FINAL NOTICE: Yorkshire Building Society
https://www.fca.org.uk/publication/final-notices/yorkshire-building-society-oct14.pdf
As of November 2013, YBS had 3.6 million customers and held residential mortgages to the value of £28.3 billion. Mortgage arrears.
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86 Yorkshire Building Society - Company Profile and News
https://www.bloomberg.com/profile/company/133535Z:LN
Yorkshire Building Society provides banking services. The Bank offers saving accounts, mortgages, savings, insurance, life plans, credit cards, loans, ...
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87 Yorkshire Building Society set to offer exclusive mor...
https://www.introducertoday.co.uk/breaking-news/2017/10/yorkshire-building-society-set-to-offer-exclusive-mortgages-to-ftbs
Prospective homeowners with a 5%, 10% and 15% deposit will be granted high loan-to-value (LTV) home loans, while the new two-year fixed rate ...
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88 Yorkshire Building Society offers 1.19% mortgage
https://www.yourmoney.com/mortgages/yorkshire-building-society-offers-1-19-mortgage/
YBS is also offering a five-year fixed rate remortgage option at 75% LTV at 2.39%, with no product fee, free standard valuation, ...
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89 Yorkshire Building Society describes its new range of 95 ...
https://www.bestmortgagesforyou.co.uk/news/yorkshire95/
Andy Caton, Yorkshire Building Society: "This is really a return to traditional lending to be honest. Pre-crisis, 95% loan-to-value mortgages were very much the ...
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90 Yorkshire Bank: Personal, Business & Private Banking
https://secure.ybonline.co.uk/
Personal banking is easy with Yorkshire Bank. Customers enjoy personal service, secure online banking and access to branches across the UK.
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