Skipton Mortgages
Compare Skipton Mortgages
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- 4.36% Initial
- 5 year fixed
- 5.9% APRC
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- 4.39% Initial
- 5 year fixed
- 6% APRC
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- 4.47% Initial
- 5 year fixed
- 6% APRC
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- 4.49% Initial
- 5 year fixed
- 5.9% APRC
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- 4.64% Initial
- 5 year fixed
- 6% APRC
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- 4.69% Initial
- 2 year fixed
- 6.4% APRC
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- 4.75% Initial
- 2 year fixed
- 6.4% APRC
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- 4.80% Initial
- 2 year fixed
- 6.5% APRC
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- 4.85% Initial
- 2 year fixed
- 6.5% APRC
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- 4.88% Initial
- 2 year fixed
- 6.4% APRC
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Compare Skipton mortgages
Thinking about a mortgage with Skipton Building Society? Take a look at the different types of mortgages they offer below and see if they offer a good match for your borrowing needs and personal circumstances.
First Time Buyer mortgages
First time buyers can borrow up to 90% of a first home purchase price with a specialist first time buyer mortgage from Skipton Building Society. You can also choose from a variety of fixed and discount rate mortgages allowing you to reduce your interest costs or make your monthly repayments predictable for an introductory period.
Buy to Let mortgages
You can borrow up to £1million across up to 5 buy to let properties with Skipton Building Society. This can allow you to buy a single rental property or start building a larger portfolio. The amount you can borrow will depend on the market value of the property or properties in question and an assessment of their monthly rental value.
Remortgaging with the Skipton Building Society
If you choose to switch your mortgage to Skipton Building Society you can pick from a range of fixed and variable rate mortgage products. This can allow you to cut your monthly repayments or borrow more, leaving you with a spare lump sum once your old mortgage is paid off. In most instances Skipton will pay the standard legal costs of remortgaging for you, helping to make this a more affordable option.
Second charge mortgages
Need to increase your borrowing but don’t want to give up your current mortgage? A second charge mortgage is where you take out a separate secured loan which allows you to borrow more against the value of your home. This does not interfere with your existing mortgage but can still let you benefit from the more affordable borrowing secured loans can offer.
Loan to value ratio
Not all mortgage products will allow you to borrow the same amount. Most will cap your borrowing at a certain percentage of the value of the property in question with this percentage varying from mortgage to mortgage.
The amount you can borrow relative to the value of a property is known as a loan to value (LTV) ratio. If you were looking to borrow £60,000 on a property worth £100,000, you would need to look for a mortgage offering an LTV of 60%. Generally, the lower your LTV, the better interest rates you are likely to get.
Find the best deals on mortgage rates
You can use our free mortgage calculator to compare leading deals on mortgages from top lenders across the market. That way you can quickly and easily see the different rates and features on offer. To use the calculator, simply head to the top of the page and plug in some basic details about your borrowing needs. The calculator will then match you with appropriate mortgage products which match your requirements.
Independent Mortgage Advice
Remortgaging is particularly popular at the moment as interest rates are low.
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Whether it will be a good idea for you to remortgage depends on a number of factors, including your goals and your personal circumstances.
However, in general, if interest rates are lower than you are currently paying on your mortgage, it may be a good time to remortgage.
If interest rate are higher than you are currently paying, it may be better to look at other options, such as a second mortgage or a personal loan (if you aim is to borrow more).
If you are not sure whether now is the right time to remortgage, it is a good idea to speak to an independent mortgage broker who will be able to offer impartial advice.