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Mortgages FAQs


To find out how to make payments into your mortgage, please visit ways to pay your mortgage.

If you're thinking of making overpayments, please check your mortgage account summary in the Skipton app or in Skipton Online, or refer to the details in your mortgage offer to find out whether this is possible and if so, if there are any Early Repayment Charges payable.

Ways to pay your mortgage

Key points

  • Your first Direct Debit payment will be due on the first day of the month following release of funds. Payments due on the 1st of the month will be taken on the third working day after the payment due date, but the money needs to be available in the account on the due date.
  • If release of funds takes place on the last day of the month, the first payment is due the following day.
Completion date (release of funds) First payment due
1-31 January 1 February
1-29 February 1 March
1-31 March 1 April
1-30 April 1 May
1-31 May 1 June
1-30 June 1 July
1-31 July 1 August
1-31 August 1 September
1-30 September 1 October
1-31 October 1 November
1-30 November 1 December
1-31 December 1 January

If you already pay your mortgage by Direct Debit, you may have noticed that your payment doesn’t always leave your account on the exact due date.

This is because of the time it takes for the Direct Debit to be processed after we have requested the payment and the times when the Direct Debit date falls over a weekend and/or Bank Holiday.

To read more on Direct Debits, visit our Direct Debit mandate and schedule page.

Direct Debit mandate and schedule


You can complete our Direct Debit Mandate form online. Once we receive it, we'll set up the Direct Debit and let you know when it's done.

Direct Debit Mandate

Call us

You can amend a Direct Debit over the phone by calling our Credit Management team on 0345 850 1766, or via web chat.


Download the Direct Debit mandate PDF and return to the address shown in the form.

Direct Debit Mandate [PDF]

Depending on your mortgage type, there may be restrictions on the maximum amount you can overpay, either by regular overpayments or as a lump sum, in one year without incurring an Early Repayment Charge. You can usually repay a fixed percentage of your original mortgage balance per year without charge. For more details, see your mortgage account summary in the Skipton app or in Skipton Online, or refer to the details in your mortgage offer.

If you are making lump sum overpayments, these may trigger a recalculation of your monthly repayment amount.

Debit card lump sum payment

You can make a lump sum card payment by calling us on 0345 850 1711.

Bank transfer

It is possible to make a bank transfer for an overpayment using the details below:

Sort code - 20-78-91
Account number - 70798924
Reference - Your 9 digit mortgage account number

Please note, if you don’t enter your 9 digit mortgage account number as the reference, the payment will be returned.

Regular Direct Debit overpayment

If you would like to regularly overpay, we can arrange to increase your Direct Debit amount. Simply call us on 0345 850 1711, speak to us on web chat or send us a Secure Message.

Just let us know how much you would like to pay each month and when you’d like this to take place. We can then arrange for the payment to be increased.

Other ways to make regular overpayments

If you would like to make regular overpayments by standing order or debit card payment then call us on 0345 850 1711 to discuss.

If you're worried about or unable to make your monthly mortgage repayments, then it is important you talk to us as soon as possible. The earlier you get in touch the better, as there are more options available if you tackle the problem early on. Visit our mortgage payment difficulties page to find out more.

Payment difficulties

Additional Borrowing

If you’ve had a mortgage with us for at least the last 6 months, you may be eligible to borrow up to 90% of the value of your home. This depends on the type of mortgage you hold and is subject to affordability requirements.

You should consider whether other forms of borrowing are more suitable for you, as any money we lend through additional borrowing will be secured against your property and your overall mortgage balance will increase.

To find out more, please visit our additional borrowing page.

Additional Borrowing


There’s lots of help and support available to you. You can find out more and exactly what you need to do next on our Bereavement page.

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