Yorkshire Building Society is offering two flexible fixed-rate mortgages with loan to value ratios of up to 95 per cent, which it claims offer the best rates on the market. The two-year fixed-rate loan is set at 4.49 per cent. Arrangement fee is £325 or 4.79 per cent with no arrangement fee. The five-year loan is fixed at 5.24 per cent. Arrangement fee is £325 or 5.39 per cent without the fee.