YORKSHIRE BANK HOME LOANS LIMITED
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Cash
—
Latest balance sheet
Net assets
£12m
highest in 3 filed years
Employees
0
Average over period
Profit before tax
£6m
Period ending 2026-03-31
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Confirmation statement overdue
Due 2026-08-15.
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
Profit before tax
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2026-03-31
| Metric | Trend | 2023-09-30 | 2025-03-31 | 2026-03-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £13,483,000 | £5,161,000 | — | |
| Fee & commission income | — | £205,000 | £40,000 | — | |
| Operating income | — | £14,089,000 | £7,295,000 | — | |
| Impairment losses | — | -£645,000 | -£1,284,000 | — | |
| Profit before tax | -£1,834,000 | £13,444,000 | £6,011,000 | — | |
| Net profit | -£1,643,000 | £10,083,000 | £4,509,000 | — | |
| Loans & advances to customers | — | £360,237,000 | £338,421,000 | — | |
| Customer deposits | — | — | — | — | |
| Total assets | £648,098,000 | £360,680,000 | £338,685,000 | — | |
| Total liabilities | — | £353,337,000 | £326,833,000 | — | |
| Equity | £7,260,000 | £7,343,000 | £11,852,000 | — | |
| Average employees | — | 0 | 0 | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. Year-on-year comparison hidden: this filing covers about 12 months versus 18 months prior. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-09-30 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|
| Operating margin | -7.2% | 37.6% | — | |
| Net margin | -6.5% | 28.2% | — |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 2 times since incorporation
- YORKSHIRE BANK HOME LOANS LIMITED 1986-03-03 → present
- NORTHERN AND GENERAL FINANCE LIMITED 1985-01-17 → 1986-03-03
- DIKAPPA (NUMBER 319) LIMITED 1984-10-12 → 1985-01-17
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”
Significant events
- “Following the acquisition of Virgin Money by Nationwide on 1 October 2024, the Company's accounting reference date was changed from 30 September to 31 March to align to Nationwide's accounting reference date.”
- “On 2 April 2026, the ownership of the Company was transferred from CB to Nationwide as part of a banking business transfer scheme under Part VII of the Financial Services and Markets Act 2000.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 49 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| NBS COSEC LIMITED | Corporate Secretary | 2025-07-31 | — | — |
| JORDAN, Henry | Director | 2025-09-01 | Apr 1973 | British |
| MATHIESON, Muir | Director | 2025-09-01 | Aug 1974 | British |
| SMYTH, Gavin | Director | 2026-04-02 | Jul 1977 | British |
Show 49 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HURST, John Cyril | Secretary | 1996-11-12 | 2000-04-20 |
| KITLEY, Robert Gordon | Secretary | — | 1996-11-12 |
| MCMILLAN, Lorna Forsyth | Secretary | 2013-04-19 | 2025-07-31 |
| SHAW, Myshele | Secretary | 2003-07-31 | 2006-02-28 |
| SHIRRAN, Jane Lindsay | Secretary | 2000-04-20 | 2003-07-31 |
| WEBBER, Michael Frank | Secretary | 2006-03-01 | 2013-04-19 |
| ABRAHAMS, Clifford James | Director | 2021-03-08 | 2024-12-15 |
| ALLSOPP, Michael | Director | — | 1993-10-31 |
| BURNS, Thomas | Director | 2004-10-13 | 2009-11-03 |
| BUTTERWORTH, Scott Marc | Director | 2011-02-25 | 2012-02-14 |
| CHATER, Hugh Leathley | Director | 2020-04-20 | 2023-11-08 |
| CROSBIE, Deborah Anne | Director | 2012-05-28 | 2014-01-16 |
| DOCKAR, Peter Kelvin | Director | 2019-09-24 | 2020-04-20 |
| DOUGLAS, Andrew John | Director | 1995-04-21 | 1997-02-25 |
| EVERITT, Bernard Gerald | Director | 1994-07-01 | 1997-11-28 |
| GOODWIN, Frederick Anderson | Director | 1998-01-26 | 1998-07-07 |
| HAMILTON, Gregory Ross | Director | 1992-07-01 | 1995-04-21 |
| HART, Michael James | Director | 2015-01-28 | 2019-06-18 |
| KNIGHT, David | Director | 1992-07-01 | 1994-06-30 |
| LAWFORD, Kenneth James | Director | 1995-02-10 | 1998-11-02 |
| LUMBY, Gary | Director | 2004-10-13 | 2006-08-03 |
| MACDONALD, Ian Graham | Director | 1998-01-26 | 2000-03-28 |
| MOORHOUSE, Martin James | Director | 1995-02-14 | 1999-12-01 |
| NORRIS, Peter | Director | 2001-04-11 | 2004-10-22 |
| PAGE, Kevin | Director | 2010-01-27 | 2012-06-22 |
| PATRIZI, Allegra Cristina | Director | 2023-11-08 | 2024-10-28 |
| PEACOCK, Lynne Margaret | Director | 2006-08-03 | 2011-06-30 |
| PEARCE, Andrew Charles | Director | 2012-11-05 | 2014-08-20 |
| PICKLES, William | Director | — | 1993-10-31 |
| REID, Stephen John Kent | Director | 2011-10-06 | 2013-02-13 |
| RHODES, Christopher Stuart | Director | 2024-10-29 | 2026-04-02 |
| SAVAGE, Grahame Peter | Director | 1993-11-01 | 1995-02-10 |
| SHOVELIN, John | Director | 2014-03-27 | 2016-01-22 |
| SIMPSON, Keith Charles Faraday | Director | — | 1992-09-30 |
| SLATER, Gavin Robin | Director | 2005-09-12 | 2008-01-30 |
| SLATER, Trevor | Director | 2000-03-28 | 2006-08-03 |
| SMITH, Iain David | Director | 2009-11-17 | 2011-02-25 |
| SMITH, Iain David | Director | 2009-11-03 | 2009-11-03 |
| SMITH, Ian Stuart | Director | 2015-09-09 | 2020-10-14 |
| SOMERSET, Nigel Peter | Director | 2013-12-16 | 2017-07-07 |
| STONES, John | Director | 1993-11-01 | 1995-02-14 |
| SUNDERLAND, Frank Graham | Director | — | 1992-06-30 |
| THUNDERCLIFFE, Mark John | Director | 2020-10-14 | 2021-03-07 |
| TREANOR, Derek Frank | Director | 2004-10-13 | 2006-08-03 |
| VANZUYDEN, Owen Paul | Director | 1997-02-25 | 1998-01-26 |
| WALFORD, Nicholas George Julian | Director | 2017-10-19 | 2020-04-20 |
| WALLACE, Aileen | Director | 2015-09-29 | 2016-05-20 |
| WRIGHT, John Robertson | Director | 1998-09-17 | 2000-06-30 |
| ZABORSZKY, Gergely Mark | Director | 2025-01-28 | 2025-09-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Nationwide Building Society | Legal person | Shares 75–100%, Voting 75–100%, Appoints directors | 2026-04-02 | Active |
| Clydesdale Bank Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2026-04-02 |
Filing timeline
Last 20 of 229 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-26 | AA | accounts | Accounts with accounts type full | |
| 2026-04-08 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2026-04-08 | PSC03 | persons-with-significant-control | Notification of a person with significant control | |
| 2026-04-07 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-02 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-16 | RP04AP01 | officers | Second filing of director appointment with name | |
| 2025-09-16 | RP04AP01 | officers | Second filing of director appointment with name | |
| 2025-09-15 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-12 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-12 | AP01 | officers | Appoint person director company with name date | |
| 2025-08-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-01 | AP04 | officers | Appoint corporate secretary company with name date | |
| 2025-08-01 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-07-30 | AA | accounts | Accounts with accounts type full | |
| 2025-01-28 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-23 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-12-17 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-11 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-11 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-01 | AA01 | accounts | Change account reference date company current extended |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 13
- Capital events
- 0
- Officers appointed
- 3
- Officers resigned
- 2
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.