Skipton Building Society
Building SocietySkipton Building Society is the UK's fourth-largest building society, offering residential, buy-to-let, and self-build mortgage products from its base in North Yorkshire. It pioneered the Track Record Mortgage for renters with no deposit, helping creditworthy tenants step onto the property ladder.
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Lending Focus
Skipton Building Society offers mortgage products across 3 categories including Residential, Buy-to-Let, Self Build.
Key Features
- Track Record Mortgage for renters with no deposit requirement
- Self-build mortgage with stage-release funding
- Competitive buy-to-let products for individual and limited company landlords
- Large-loan residential mortgages for higher-value properties
- Fee-free and cashback options on selected mortgage products
Pros & Cons
Pros
- Pioneered the Track Record Mortgage — allowing renters to buy with no deposit
- Self-build mortgages available with staged advance payments
- Competitive buy-to-let products including limited company lending
- Cashback offers available on selected mortgage products
Cons
- –No shared ownership or Help to Buy products
- –Branch network concentrated in Yorkshire and Northern England
- –Track Record Mortgage has strict eligibility criteria
Fees & Charges
Arrangement Fee
£995 or fee-free options available
Valuation Fee
Free on selected products; otherwise £250–£1,500 depending on property value
Early Repayment Charge
1–5% during the initial deal period
Overpayment Allowance
Up to 10% per year without charge
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for Skipton Building Society. In the meantime, visit their website for the latest rates.
View rates on Skipton Building SocietyApplication Process
Processing Time
2–4 weeks from application to offer
Online DIP
Yes — available online
Offer Valid For
6 months
Lending Criteria
Maximum LTV
95%
Max Loan Amount
£2m
Min Loan Amount
£25k
Rate Types
fixed, tracker, discount
Frequently Asked Questions
What is the Skipton Track Record Mortgage?
Does Skipton Building Society offer self-build mortgages?
Can I get a buy-to-let mortgage through Skipton as a limited company?
What is the maximum loan amount with Skipton Building Society?
How to Apply
Direct & Broker Access
You can apply directly with Skipton Building Society or through a mortgage broker. Using a broker gives you access to the whole market and may secure better terms. Find a broker
Contact Information
Need a Skipton Building Society Broker?
Find FCA-regulated mortgage brokers who have Skipton Building Society on their lender panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.