Skipton International

Skipton International Limited is a wholly-owned subsidiary of Skipton Building Society, one of the UK's largest building societies. Based in Guernsey in the Channel Islands, Skipton International was established to serve customers who live and work outside the UK but wish to own property in England, Scotland, and Wales. The bank is regulated by the Guernsey Financial Services Commission and holds a full banking licence in Guernsey.

Skipton International has carved out a strong position in the UK expat mortgage market, a niche that many mainstream lenders have withdrawn from due to the complexity of overseas income verification and regulatory requirements. The bank serves British expats working around the world, including those in the Middle East, Asia, Europe, and the Americas. They also provide mortgages to Channel Islands residents purchasing UK buy-to-let properties and to offshore contractors.

The bank's underwriting team has developed deep expertise in assessing income earned in foreign currencies, understanding overseas tax regimes, and navigating the complexities of international employment contracts. Skipton International offers both residential and buy-to-let products, with competitive rates considering the specialist nature of the lending. The bank benefits from the financial strength of its parent, Skipton Building Society, while maintaining the flexibility to serve a market that most UK lenders overlook.