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This page includes Skipton's standard documents for use by solicitors or licensed conveyancers.
We have a panel of conveyancers who are eligible to act on our behalf. If you know that your firm is not on our panel then you can apply for membership of our conveyancing panel.
Please read our Terms of Membership and complete the Conveyancing Panel Application Form.
When submitting the application form, please also provide us with your clients’ names and the address of the property in question if you have a current case.
We will accept a faxed or emailed copy of the Certificate of Title and do not require the original to be sent to us.
Once received we make a note of the completion date requested, check through the document and contact you about any outstanding matters. If no matter is outstanding, the release of the mortgage advance will take place on the date requested, provided seven working days' notice has been given.
Please allow seven working days' notice from submission of the Certificate of Title to completion. In any case where it is not possible to give the required notice, we will endeavour to check the Certificate of Title, but are unable to provide any guarantees that release of the mortgage advance will take place as requested.
Please do not send another Certificate of Title if you’ve already submitted the Certificate of Title and need to amend the completion date, please send written confirmation of the new date to us via the email provided below.
These documents below are legal documents and are to be used only by solicitors or licensed conveyancers who are on our panel and instructed to act on our behalf. Where applicable to your clients' case these documents will be included in the mortgage offer, these copies are intended for use as replacements if needed.
Phone: 0345 607 9848
Fax: 0845 366 1080
The first mortgage payment date occasionally causes confusion. The information below will help your client understand when the first payment will be taken.
If completion has been delayed and you need to return the funds to us, please do so as soon as possible; preferably within 24 hours of receiving the funds.
Our bank details for return of funds are;
Sort Code: 20-78-91
Account Number: 70798924
Please state the mortgage account number as the reference
A certified copy of the Form of Consent must be submitted
prior to completion for all additional occupiers.
If you become aware of an issue with the title to the
property, or our entire mortgage offer conditions cannot be met, you
must report this to our Completions team and we will review the
scenario further. In some instances, we may need to refer back to the valuer for
further consideration and will endeavour to respond to the query as efficiently
Please refer to our UK Finance Mortgage Lenders' Handbook. Here you will find details of which new home warranty schemes we accept and what our requirements are for Professional Consultants Certificates.
If we have agreed in the offer that an existing charge may remain, we require a Deed of Postponement to ensure we have first charge following completion. We will require confirmation that the Deed of Postponement has been duly executed prior to completion.
Full details can be found in our Property Letting Requirements sheet issued with the mortgage offer.
A Form of Acknowledgement is required when one or more of
the applicants is not directly benefitting from the loan. If this is the case,
the mortgage offer will include the Undue Influence condition. We will require
confirmation that the Form of Acknowledgement has been duly executed prior to
Please note, the first request for your client must to be in writing and on letter headed paper. We can only provide redemption statements up to the end of the first week of the month following the request; the latest date a redemption statement will be valid is the date on the statement.
You can make subsequent requests for redemption statements by:
Please make your payment by CHAPS / electronic payment to the following account:
Account number: 70198323
Sort Code: 20–78–91
Reference: Your client's Mortgage Account Number
Fax: 01756 705266
If your clients are taking out a new mortgage, we may be able to waive the Early Repayment Charge, as long as the following conditions are met:
The Early Repayment Charge may also be waived on a discretionary basis in the following circumstances:
If you want us to consider waiving the Early Repayment Charge, then please forward us a scanned copy of your Early Repayment Charge waiver request on letter headed paper to firstname.lastname@example.org. Or you can post it to:
Once we have the funds to redeem the account fully we will release our charge from the property: the e-DS1 (or other form of discharge) is completed within ten working days of us receiving the funds. For Scottish cases, we will also need the Redemption Discharge Document. We will send them confirmation by post when this has been done.
Please note timescales may vary if repayment is made by cheque.
The redemption statement is only valid up to the date requested, which must be within the same month. We cannot provide a redemption statement for a date outside of the current month. If a new date is required, please request a revised statement. Alternately if it’s within the same month, you can add the daily rate as shown on the redemption statement.
Should the last day of the month occur on a non-working day, we will allow redemption on the first working day of the following month, by CHAPS or faster payment, using the previous month's figure.
Should your client wish to redeem the mortgage during the final month of their product term, they may be able to do so without Early Repayment Charge, provided the relevant month’s interest is paid in full. Please contact us at email@example.com if you wish us to consider waiving an early Repayment Charge.
We can't cancel any Direct Debit payments prior to redemption. If this happens, we’ll refund the payment, plus any interest due, back into the borrower's bank account within ten working days.
An allowance has been made in the redemption figure for insurance rebates where appropriate.
Any Skipton Insurance cover currently held where the premiums are paid through the mortgage account will be cancelled on redemption.
Any subsequent mortgagee we have been made aware of will be noted on the redemption statement. If appropriate, please protect their interests by forwarding to them any deeds and documents we send you. An up to date search with the Land Registry should be carried out to check for any subsequent mortgagees.
Any solicitors’ costs incurred by us may continue to accrue. If these are shown on the redemption statement an up to date figure should be obtained for these immediately before redemption.
If the property is under Shared Ownership, you should liaise with the housing association to ensure that you also fulfil their requirements to enable the sale of the property.
Please ensure payments are maintained up to the date of redemption, as cancellation of any instruction will automatically remove any Direct Debit discount which may apply and increase the rate at which the interest will be calculated. On full redemption of the mortgage account(s), we will automatically cancel the Direct Debit instruction.
We may agree, in exceptional circumstances, to suspend collection of a Direct Debit payment temporarily, e.g. where redemption is unexpectedly delayed. However, this will require the prior consent of our Credit Management Department, who can be contacted on 0345 850 1766. Such an arrangement will not result in a higher rate of interest, but additional interest charges will apply if payment remains outstanding over a month end, as the mortgage balance will have increased.
The Lifetime ISA can be used for first home purchase without incurring the 25% government withdrawal charge, as long as the withdrawal occurs at least 12 months after the first payment into the account.
If your client has transferred to us from a Lifetime ISA with another provider the 12 months starts from the date of their first payment into the original Lifetime ISA. If your client has transferred into a Lifetime ISA from a different type of ISA, the 12 months begins from the first payment into the Lifetime ISA, not the original ISA.
You can find more information on the government website
The earliest funds can be requested to be withdrawn is 30 days before the completion date. We've explained below the process for withdrawing funds from a Lifetime ISA for first house purchase.
We ask for the completion date so that we are able to process and prioritise the withdrawal for a first house purchase request, however if we do not have this, we will release the funds 30 days after we receive the request. If you know the completion date, please contact us as soon as possible.
No, we can only accept the declaration forms via the post as we require a signature, this must be an original.
If the account is closed, the account would be reinstated and the bonus paid in. We’d record a break in membership of the Society on the system if your client doesn’t have any other accounts with us. We’d then contact your client to confirm we’ve received the bonus and ask what they’d like to do with the bonus amount received. If the bonus has been received after the house purchase has completed they would have to pay the 25% government withdrawal charge if they choose to withdraw the funds before the age of 60 (the only exceptions being terminal illness or death).
The funds must be returned within 10 days of the house purchase falling through, and the amount withdrawn will be paid back in to the account. If the first house purchase withdrawal had closed the account, it will be reopened when the funds are returned, but your client’s membership will not be backdated (if this was the only Skipton account they held). If the amount returned is less than the amount withdrawn for the first house purchase, or if the funds aren't returned, your client will be charged a 25% government withdrawal charge on the shortfall amount.
If your client also has a Skipton mortgage, the Lifetime ISA funds and the delayed completion funds must be returned in separate transactions.
90 days from you receiving the funds from us. If it’s taking longer than 90 days you can write to us to request an extension.
You are able to request withdrawals from the account as many times as your client requires up to completion, there is no minimum withdrawal amount. We’d require completed declarations from both you and your client each time a withdrawal is requested during this process.
The money can only be used for your client's deposit on their first home and it must be purchased with a mortgage (but not a Buy to Let mortgage), on a house valued at £450,000 or less. Otherwise, the 25% government withdrawal charge would apply.
If both parties are first time buyers, both can use the Lifetime ISA to put towards the purchase of the home without paying a withdrawal charge.
If one party is a first time buyer, but the other has owned a property before then the non-first time buyer will not be able to use their Lifetime ISA (if they’ve opened a Lifetime ISA too) towards the purchase of the home without paying a government withdrawal charge. However, the first time buyer would still be able to use their own Lifetime ISA towards the price of the home that both parties are buying together.
In both cases the price of the home the clients are buying together must not exceed £450,000 if they wish to use a Lifetime ISA towards it without paying a government withdrawal charge.
The purchase price of your client's first home must not exceed £450,000 and the property must be purchased in the UK with a mortgage, but not a Buy to Let mortgage. Your clients must occupy the property as their main residence immediately on completion.
Please note – if the client(s) are a UK Crown employee serving overseas they must intend to reside in the UK and use the property as their main residence in the future.
*To help maintain service and quality, some telephone calls may be recorded and monitored.
Site intended for UK residents only. Skipton Building Society is a member of the Building Societies Association. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under registration number 153706, for accepting deposits, advising on and arranging mortgages and providing Restricted financial advice. Principal Office, The Bailey, Skipton, North Yorkshire, BD23 1DN.