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.
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.
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.