We construct two concrete examples of flavour non-universal gauge theories which, after the inclusion of all d ≤ 4 gauge invariant operators, allow to describe the observed pattern of flavour in the charged fermion sector without any small Yukawa coupling (y ≳ 0.1). Guided by the criterium of minimality, we assume that flavour non universality is confined to the Abelian sector of the gauge group: the universal hypercharge emerges after a sequence of symmetry-breaking steps characterised by two high mass scales, Λ[23]< Λ[12], where the second and the first fermion generations get their mass respectively. At least in one of the two models the smaller of these scales can be in the 10 TeV range, consistently with current bounds from flavour observables. Both models are extended to include as well neutrino masses and mixings.
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