- Speak to your branch mortgage adviser or Skipton Direct.
- You will be asked a number of questions about your personal circumstances (this information will be recorded in a Customer Needs Questionnaire - CNQ).
- A mortgage adviser will work with you to establish which mortgage best suits your needs.
- A Key Facts Illustration (KFI) will be prepared for you to consider.
- A mortgage adviser will be happy to help if you have any further questions or if you would like to think about another type of mortgage.
- If you are happy with your KFI you will proceed to application and will need to pay any required fees.
Here's what you will need to submit with your application:
- fully completed and signed application form
- three months' bank statements showing credits from employer, and debits to current lender (if applicable)
- current lender's latest annual statement (if applicable)
- three months' pay slips
- latest P60
- last two years' finalised accounts (self-employed only)
- application/valuation fee (as applicable)
- address/identity documents for non face-to-face applicants (see opposite)
- any life policies and household insurance policies.
Proving your identity
When you apply for a mortgage with Skipton, we will ask you for proof of your name and address. This is to comply with anti-money laundering and prevention of crime regulations, which apply to all banks and building societies regulated by the Financial Services Authority (FSA).
Please remember, whoever you apply for your mortgage with – whether it is a building society, bank or other financial organisation – they are all, by law, obliged to carry out checks on your identity and address.
If you are unable to provide any of the standard identity documents there are others that we may be able to accept. Please let us know your situation and we'll try to help.
You will need to provide us with:
For face-to-face applicants
Originals of one item only from Section A (below) and one from Section B (below) for both single and joint applicants.
For non face-to-face applicants
Originals of one item from Section A and one from Section B and a third item from either Section A or Section B for both single and joint applicants.
- Section A (verification of identity)
- current full passport
- current UK driving licence
- National Insurance card and P60 showing NI number and name
- pension/benefit book
- personal cheque/guarantee card with corresponding statement
(less than three months old).
- Section B (verification of address)
- last quarter’s utility bill
- mortgage/loan statement
- council tax demand/payment book (for current year)
- building society passbook with pre-printed name and address
- official letter issued by government agency eg vehicle registration
document or TV licence.