1. How do I find a mortgage?

Use our Mortgage Finder to explore a selection of our latest mortgage products. You can filter by reason for mortgage (e.g., first-time buyer) and type of rate to find options that could suit you.

2. Are all Skipton mortgages available to everyone?

No.

• You must be 18 or over to apply.

• Buy to Let mortgages are not available if you haven’t had a mortgage before.

• Mortgages are not available in Northern Ireland.

• All mortgages are subject to lending criteria, valuation, and underwriter approval.

3. What are Loan to Value (LTV) ratios?

LTV is the percentage of the property’s value you’re borrowing. It affects the mortgage rates available to you.

Example:
If you borrow £180,000 for a £200,000 property:
$(\mathrm{\pounds }180,000÷\mathrm{\pounds }200,000)\times 100=90$

4. Can I review my current Skipton mortgage?

Yes. If you are concerned about increased payments due to higher interest rates, call us on 0345 850 1766 to discuss your options.

5. What mortgage features should I look at?

• Initial rate and APRC: Shows the fixed rate period and overall cost.

• Product fees: Completion and CHAPS fees may apply.

• Max LTV: Maximum borrowing relative to property value.

• Repayment options: Repayment or Interest Only.

• Overpayments: Most products allow up to 10% of the original balance per year without Early Repayment Charges.

6. How do Early Repayment Charges (ERC) work?

ERCs apply if you repay your mortgage early within the fixed rate period.

• Example: 2.50% until 28/02/2027, then 1.25% until 28/02/2028.

• Overpayments up to 10% of the original balance per year usually do not incur ERCs.

7. Are Buy to Let mortgages regulated?

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority (FCA).

8. What are representative examples of costs?

Residential mortgage example:

• £225,000 over 32 years

• Fixed rate 5.52% until 28/02/2028, then variable 6.54%

• Total payable: £533,099.05 (including interest and £20 CHAPS fee)

Buy to Let example:

• £165,000 interest-only over 25 years

• Fixed rate 5.29% until 28/02/2028, then BMVR 6.54%

• Total payable: £329,054.78 (including interest and £20 CHAPS fee)

9. Can I make a mortgage application online?

Yes. You can search and compare mortgages using the Mortgage Finder and submit an application for products that suit your circumstances.

10. What should I be aware of?

• You could lose your home if you don’t keep up mortgage repayments.

• Mortgages are subject to lending criteria and approval.

• Fees and charges may apply depending on the product.

Available Mortgage Deals

2 Years Fixed – Residential

• Initial Rate: 3.92%

• Fixed until: 28/02/2028

• APRC: 6.40%

• Max LTV: 60%

• Product Fees: £1,495

• Features: Available for Repayment or Interest Only, Borrow from £5,000–£5,000,000, No valuation charge*

2 Years Fixed – Residential

• Initial Rate: 4.08%

• Fixed until: 28/02/2028

• APRC: 6.40%

• Max LTV: 60%

• Product Fees: £495

• Features: Available for Repayment or Interest Only, Borrow from £5,000–£5,000,000, No valuation charge*

2 Years Fixed – Residential

• Initial Rate: 4.10%

• Fixed until: 28/02/2028

• APRC: 6.40%

• Max LTV: 75%

• Product Fees: £1,495

• Features: Available for Repayment or Interest Only, Borrow from £5,000–£3,000,000, No valuation charge*

2 Years Fixed – Residential

• Initial Rate: 4.18%

• Fixed until: 28/02/2028

• APRC: 6.40%

• Max LTV: 85%

• Product Fees: £1,495

• Features: Available for Repayment only, Borrow from £5,000–£1,000,000, No valuation charge*

2 Years Fixed – Residential

• Initial Rate: 4.19%

• Fixed until: 28/02/2028

• APRC: 6.40%

• Max LTV: 60%

• Product Fees: None

• Features: Available for Repayment or Interest Only, Borrow from £5,000–£5,000,000, No valuation charge*

2 Years Fixed – Residential

• Initial Rate: 4.21%

• Fixed until: 28/02/2028

• APRC: 6.40%

• Max LTV: 75%

• Product Fees: £495

• Features: Available for Repayment or Interest Only, Borrow from £5,000–£3,000,000, No valuation charge*

2 Years Fixed – Residential

• Initial Rate: 4.30%

• Fixed until: 28/02/2028

• APRC: 6.40%

• Max LTV: 75%

• Product Fees: None

• Features: Available for Repayment or Interest Only, Borrow from £5,000–£3,000,000, No valuation charge*

2 Years Fixed – Residential

• Initial Rate: 4.33%

• Fixed until: 28/02/2028

• APRC: 6.40%

• Max LTV: 85%

• Product Fees: £495

• Features: Available for Repayment only, Borrow from £5,000–£1,000,000, No valuation charge*

2 Years Fixed – Residential

• Initial Rate: 4.33%

• Fixed until: 28/02/2028

• APRC: 6.40%

• Max LTV: 90%

• Product Fees: £1,495

• Features: Available for Repayment only, Borrow from £5,000–£750,000, No valuation charge*

2 Years Fixed – Residential

• Initial Rate: 4.42%

• Fixed until: 28/02/2028

• APRC: 6.40%

• Max LTV: 85%

• Product Fees: None

• Features: Available for Repayment only, Borrow from £5,000–£1,000,000, No valuation charge*

*No charge for a valuation, subject to criteria, for mortgage purposes only.