YORKSHIRE BANK HOME LOANS LIMITED
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2026-08-15 (in 3mo)
Last made up 2025-08-01
Watchouts
Cash
-£350M
+45.3% vs 2023
Net assets
—
Equity attributable
Employees
—
Average over period
Profit before tax
£13M
+833% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
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
Profit before tax
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-03-31
| Metric | Trend | 2023-09-30 | 2025-03-31 |
|---|---|---|---|
| Turnover | £25,339,000 | £35,721,000 | |
| Operating profit | -£1,834,000 | £13,444,000 | |
| Profit before tax | -£1,834,000 | £13,444,000 | |
| Net profit | -£1,643,000 | £10,083,000 | |
| Cash | -£640,789,000 | -£350,310,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | — | — | |
| Equity | £7,260,000 | £7,343,000 | |
| Average employees | — | — | |
| Wages | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-09-30 | 2025-03-31 |
|---|---|---|---|
| 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.
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have made an assessment of the Company's ability to continue as a going concern and are satisfied that it has the resources to continue in business for at least 12 months from the approval of the financial statements.”
Significant events
- “Following the acquisition of Virgin Money by Nationwide Building Society (Nationwide) on 1 October 2024, the Company's accounting reference date was changed from 30 September to 31 March in order to align to Nationwide's accounting reference date.”
- “An interim dividend of £10m was recommended by the Directors and paid during the period (12 months to 30 September 2023: Nil).”
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 228 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 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 | |
| 2024-08-28 | AD04 | address | Move registers to registered office company with new address |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 13
- Capital events
- 0
- Officers appointed
- 4
- Officers resigned
- 3
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.
Year-on-year
FY2023 → FY2025 · period ending 2025-03-31 vs 2023-09-30
-
Turnover
+41%
£25,339,000 £35,721,000
-
Cash
+45.3%
-£640,789,000 -£350,310,000
-
Net assets
—
Not reported
-
Employees
—
Not reported
-
Operating profit
+833%
-£1,834,000 £13,444,000
-
Profit before tax
+833%
-£1,834,000 £13,444,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers