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How much can I borrow?

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The first step you should take before your mortgage application, is to find out how much you can borrow. To do this, you can obtain a Decision In Principle (DIP), either online or over the phone.

The amount we lend is based on an overall assessment of affordability which takes into account your income, your expenditure and the impact of possible future interest rate rises.

Obtain an Online Decision in Principle (DIP)

With our online DIP, we will ask you for specific information which will help us to provide you with a decision about the amount of loan which could be available to you. This should take approximately 10 minutes of your time.

What you will need for an online DIP

  • Salary and employment details/2 years' accounts, if employed/self employed.
  • Details of your existing mortgage(s), if you already have one.
  • Details of your current financial commitments and loans.
  • If Buy to Let, details of actual or expected rental income.

Once you have a lending decision, our mortgages team will contact you to book a telephone appointment with one of our Mortgage Advisers. They will advise on products, and assist you in making a full mortgage application.

Start your online DIP now

Obtain a Decision in Principle (DIP) over the phone by contacting Skipton Direct

One of our Mortgage Team will take you through a Decision in Principle after which, depending on the outcome, a telephone appointment will be made for you with one of our Qualified Mortgage Advisers who will provide advice and a recommendation based on your individual circumstances.

Call Skipton Direct today on 0345 850 1755*

Mon-Thurs: 8am – 8pm
Fridays: 8am – 5:30pm
Saturdays: 9am – 12pm

You can then complete a full mortgage application over the phone. For further details please see our mortgage interview process.

Need help?

Phone Call Skipton Direct 0345 850 1755

Mon-Thurs
8am - 8pm
Fri
8am - 5.30pm
Sat
9am - 12pm
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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