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Compare Skipton Mortgages. The Skipton Building Society is based in North Yorkshire and is one of the UK’s largest building societies. They offer mortgages for first time buyers, current homeowners and buy to let landlords.

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Mortgage type
Initial rate term
Call NatWest 0800 096 7889
NatWest logo
Fixed Dec-2022 From NatWest
Initial rate 1.38% Dec-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
£250 Cashback
Interest only option.
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Jan-2023 From Virgin Money
Initial rate 1.24% Jan-2023
Maximum LTV 65%
Overall cost of comparison 3.8% APRC
See deal
Call Royal Bank Of Scotland 0800 096 7966
Royal Bank Of Scotland logo
Fixed Dec-2022 From Royal Bank Of Scotland
Initial rate 1.38% Dec-2022
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

This comparison simply includes all mortgage services

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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.

Latest news

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In response to the coronavirus outbreak in the UK, the Bank of England has dramatically cut their base rate from 0.75% to 0.1% which is considered to be an emergency measure to help support the economy through the financial disruption caused by the spread of the Covid-19 virus. How will this move impact your mortgage...

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