Jargon explained
Overall cost for comparison (APRC) and Representative example
APRC stands for Annual Percentage Rate of Charge. It is the total cost of a loan shown as an annual percentage. The APRCs shown are illustrative. They’re based on the costs the majority of borrowers will pay for each product listed. They help you compare the relative costs of the mortgages.
Loan to Value (LTV)
Loan to value (LTV) is the percentage of your property's value you're borrowing and affects the mortgage rates available to you.
For example:
- You want to buy a house costing £200,000
- You have a £20,000 deposit
- You need a mortgage of £180,000
- 180,000 ÷ £200,000 = 0.9
- 0.9 x 100 = 90%
A £180,000 mortgage is 90% of the overall property value, so your LTV is 90%.
Product fee
This shows if the mortgage deal includes a fee (not all mortgages have a fee). You can pay a fee upfront or add it to your mortgage balance. If the fee is added to your mortgage balance, you'll pay interest on the fee for the duration of your term. This means it would cost you more over the long-term than if you paid the fee upfront.
Early repayment charge (ERCs)
This shows what charges apply if you repay your mortgage early, or make an overpayment that's more than your annual overpayment allowance.
Payment type
This is the method you use to repay your mortgage.
- Repayment - Your monthly repayments go towards repaying the mortgage and the interest.
- Interest Only - This option only requires you to pay off the interest every month and not repay the mortgage. It means your mortgage loan won’t reduce over the years.
Base rate (or BoEBR)
This is the rate set on a regular basis by the Monetary Policy Committee (MPC) of the Bank of England. It influences the rates banks and building societies charge customers to borrow money.
Switching your deal
This is also known as a rate switch or product transfer. This process is when you change your current mortgage deal to a new one but stay with the same lender.
Loan to Income (LTI)
Loan to Income (LTI) describes the amount you may be eligible to borrow related to your income. Your LTI can be calculated by multiplying your income by a given number, for example an income of £35,000 per year can be multiplied by 5.5 (£35,000 x 5.5) to give a maximum borrowing amount of £192,500. The maximum amount available to borrow is subject to affordability, lending criteria and between different products. Where products have a higher LTI available this will be noted as a feature.
Important notes
- The maximum loan size available may vary subject to other lending criteria (as well as affordability). It will be assessed during your application. Further information is available by calling our mortgage team on 0345 850 1711.
- Where an Early Repayment Charge (ERC) applies, overpayments of 10% per year are allowed. This allowance can’t be rolled over. Once the ERC period has expired, unlimited overpayments can be made. For full details please see your Mortgage Illustration/offer.
- Any fees payable at application are non-refundable.
- Please note, where separate interest rates apply for different Loan to Values (LTVs), a change in the property valuation or loan required may mean you are ineligible for the rate you originally applied for. In this instance, you’ll be advised of the change and asked if you still wish to proceed with your application.
- The valuation is for mortgage purposes only. We strongly recommend you obtain your own, more detailed survey – either a RICS Home Survey Level 2 or Level 3 Report – to ensure the home you’ve chosen is in a good condition.
- The product shown is available from Skipton Building Society. There may be other products available through intermediaries.
- Certain other fees may apply after the mortgage is taken out depending upon your circumstances. See our Tariff of Mortgage Charges [PDF].
- Some of our products are only available for existing borrowers. This is someone who already has a Skipton mortgage. These products are only available if you're switching an existing Skipton mortgage to a different rate, transferring it to a different property, or borrowing more money.
- For Buy to Let mortgages, rental income is tested for affordability purposes on 145% or 125% (depending upon your income tax banding and number of properties owned) of the mortgage interest payment at an interest rate of the higher of; product rate plus 2% or 5.5% (or the higher of; product rate plus 1% or 5.5% for 5-year fixed rate terms or longer).
- Please visit our Track Record mortgage page for full details of our lending criteria for the Track Record mortgage.
Loan to Value (LTV)
What is LTV?
LTV is the percentage of your property's value you’re borrowing and affects the mortgage rates available to you.
For example:
- You want to buy a house costing £200,000
- You have a £20,000 deposit
- You need a mortgage of £180,000
- £180,000 ÷ £200,000 = 0.9
- 0.9 x 100 = 90%
A £180,000 mortgage is 90% of the overall property value, so your LTV is 90%.
Why is LTV important?
Lenders look at your LTV ratio when reviewing your mortgage application.
The LTV shows how much you’re borrowing compared to the value of the property. A lower LTV means less risk for the lender, which can improve your chances of approval and may even help you secure a better mortgage rate.
Your LTV will also be checked if you remortgage or buy your first home.
Repayment type
There are two options for repayments on your mortgage:
- Repayment - your monthly repayments go towards repaying the mortgage and the interest.
- Interest Only - this option requires you to pay off the interest every month. It means your capital balance won't reduce over the years and a repayment strategy is required to ensure the loan is paid off at the end of the mortgage term.
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Important information
Important information
If you're looking to review your current Skipton mortgage and you think you might struggle with increased payments because of the higher interest rates, please call us on [PHONE_NUMBER] to discuss your options.
2 Years Tracker
-
4.25%
Initial Rate
Variable (Base Rate + 0.50%)
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 4.25% Variable (Base Rate + 0.50%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Residential Mortgage Variable Rate - RMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
4.44%
Initial Rate
Variable (Base Rate + 0.69%)
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 4.44% Variable (Base Rate + 0.69%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Residential Mortgage Variable Rate - RMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
4.46%
Initial Rate
Variable (Base Rate + 0.71%)
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,495
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 4.46% Variable (Base Rate + 0.71%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Buy to Let Mortgage Variable Rate - BMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: £1,495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
4.52%
Initial Rate
Variable (Base Rate + 0.77%)
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£745
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 4.52% Variable (Base Rate + 0.77%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Buy to Let Mortgage Variable Rate - BMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: £745
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
4.53%
Initial Rate
Variable (Base Rate + 0.78%)
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for Repayment.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 4.53% Variable (Base Rate + 0.78%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Residential Mortgage Variable Rate - RMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
4.63%
Initial Rate
Variable (Base Rate + 0.88%)
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 4.63% Variable (Base Rate + 0.88%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Residential Mortgage Variable Rate - RMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
4.63%
Initial Rate
Variable (Base Rate + 0.88%)
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,495
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 4.63% Variable (Base Rate + 0.88%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Buy to Let Mortgage Variable Rate - BMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: £1,495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
4.64%
Initial Rate
Variable (Base Rate + 0.89%)
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- LTI Booster - borrow up to 5.5x your income.
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 4.64% Variable (Base Rate + 0.89%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Residential Mortgage Variable Rate - RMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
4.69%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 4.69% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
4.70%
Initial Rate
Variable (Base Rate + 0.95%)
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 4.70% Variable (Base Rate + 0.95%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Residential Mortgage Variable Rate - RMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
4.74%
Initial Rate
Variable (Base Rate + 0.99%)
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£745
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 4.74% Variable (Base Rate + 0.99%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Buy to Let Mortgage Variable Rate - BMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: £745
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
4.77%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,495
Product fees
Features
- Available for purchases.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 4.77% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
4.78%
Initial Rate
Variable (Base Rate + 1.03%)
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 4.78% Variable (Base Rate + 1.03%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Residential Mortgage Variable Rate - RMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
4.83%
Initial Rate
Variable (Base Rate + 1.08%)
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- LTI Booster - borrow up to 5.5x your income.
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 4.83% Variable (Base Rate + 1.08%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Residential Mortgage Variable Rate - RMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
4.84%
Initial Rate
Variable (Base Rate + 1.09%)
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 4.84% Variable (Base Rate + 1.09%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Residential Mortgage Variable Rate - RMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
4.86%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,495
Product fees
Features
- Available for remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 4.86% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
4.90%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,995
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 4.90% Fixed until 31/12/2028.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
4.90%
Initial Rate
Variable (Base Rate + 1.15%)
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 4.90% Variable (Base Rate + 1.15%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Residential Mortgage Variable Rate - RMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
4.92%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 4.92% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
4.92%
Initial Rate
Variable (Base Rate + 1.17%)
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 4.92% Variable (Base Rate + 1.17%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Buy to Let Mortgage Variable Rate - BMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
4.93%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,495
Product fees
Features
- Available for purchases.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 4.93% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
4.94%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,495
Product fees
Features
- Available for remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 4.94% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
4.94%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£495
Product fees
Features
- Available for purchases.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 4.94% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
4.95%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 4.95% Fixed until 31/12/2028.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
4.98%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£495
Product fees
Features
- Available for remortgages.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 4.98% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
4.99%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 4.99% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
4.99%
Initial Rate
Variable (Base Rate + 1.24%)
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 4.99% Variable (Base Rate + 1.24%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Residential Mortgage Variable Rate - RMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.01%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.01% Fixed until 31/12/2028.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.05%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.05% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.05%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,495
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.05% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.05%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,495
Product fees
Features
- Available for remortgages and switching your Skipton mortgage deal.
- Available for Repayment.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.05% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.07%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.07% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.07%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£495
Product fees
Features
- Available for purchases.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.07% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.08%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£495
Product fees
Features
- Available for remortgages.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.08% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
5.10%
Initial Rate
Variable (Base Rate + 1.35%)
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.10% Variable (Base Rate + 1.35%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Buy to Let Mortgage Variable Rate - BMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.12%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,495
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.12% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.14%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for remortgages.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.14% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.14%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.14% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.14%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.14% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.16%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,995
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.16% Fixed until 31/12/2028.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.16%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.16% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.17%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,495
Product fees
Features
- Available for remortgages and switching your Skipton mortgage deal.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.17% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.17%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£495
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.17% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.17%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- LTI Booster - borrow up to 5.5x your income.
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.17% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Tracker
-
5.19%
Initial Rate
Variable (Base Rate + 1.44%)
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.19% Variable (Base Rate + 1.44%) for 2 years from completion. A 'floor' applies which means the rate will not fall below 3.00%.
- Then our Residential Mortgage Variable Rate - RMVR, currently 6.29% variable, for the rest of the term.
Early Repayment Charges
- None
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.19%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.19% Fixed until 31/12/2028.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.19%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£495
Product fees
Features
- Available for remortgages.
- Available for Repayment.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.19% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.23%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for remortgages.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.23% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.24%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.24% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.26%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.26% Fixed until 31/12/2028.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.27%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.27% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.27%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£495
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.27% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.30%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£495
Product fees
Features
- Available for remortgages.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.30% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.31%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.31% Fixed until 31/12/2028.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.32%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for remortgages.
- Available for Repayment.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.32% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.33%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.33% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.34%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- LTI Booster - borrow up to 5.5x your income.
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.34% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.36%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.36% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.37%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.37% Fixed until 31/12/2028.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.41%
Initial Rate
Fixed until 31/12/2028
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- First-time buyers only.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Key Criteria:
- This product is available for applications where at least one of the applicants is a First-time buyer.
Important information:
- Delayed Start mortgage - no mortgage repayments due for the first month.
- Interest will accumulate from day one and be added to the mortgage balance.
- This means you would pay more over the term of the mortgage and your monthly payments will be slightly higher than if you had started paying in month one.
Rate details
- 5.41% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.42%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- First-time buyers only.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Key Criteria:
- This product is available for applications where at least one of the applicants is a First-time buyer.
Important information:
- Delayed Start mortgage - no mortgage repayments due for the first two months.
- Interest will accumulate from day one and be added to the mortgage balance.
- This means you would pay more over the term of the mortgage and your monthly payments will be slightly higher than if you had started paying in month one.
Rate details
- 5.42% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.42%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- LTI Booster - borrow up to 5.5x your income.
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.42% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.42%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£495
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.42% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.43%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for remortgages.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.43% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.49%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£495
Product fees
Features
- Existing Skipton borrowers only. Available for switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.49% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.52%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.52% Fixed until 31/12/2028.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.52%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.52% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.56%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- LTI Booster - borrow up to 5.5x your income.
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.56% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.57%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.57% Fixed until 31/12/2028.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.57%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- First-time buyers only.
- Available for Repayment.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Key Criteria:
- This product is available for applications where at least one of the applicants is a First-time buyer.
Important information:
- Delayed Start mortgage - no mortgage repayments due for the first month.
- Interest will accumulate from day one and be added to the mortgage balance.
- This means you would pay more over the term of the mortgage and your monthly payments will be slightly higher than if you had started paying in month one.
Rate details
- 5.57% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.58%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.58% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.58%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- First-time buyers only.
- Available for Repayment.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Key Criteria:
- This product is available for applications where at least one of the applicants is a First-time buyer.
Important information:
- Delayed Start mortgage - no mortgage repayments due for the first two months.
- Interest will accumulate from day one and be added to the mortgage balance.
- This means you would pay more over the term of the mortgage and your monthly payments will be slightly higher than if you had started paying in month one.
Rate details
- 5.58% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
2 Years Fixed
-
5.72%
Initial Rate
Fixed until 31/12/2028
-
6.40%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £80,000 - £600,000.
- Cashback: £500 paid following completion.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.72% Fixed until 31/12/2028.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 2.00% until 31/12/2027
- 1.00% until 31/12/2028
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
3 Years Fixed
-
4.93%
Initial Rate
Fixed until 31/12/2029
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£795
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 4.93% Fixed until 31/12/2029.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 3.00% until 31/12/2027
- 2.50% until 31/12/2028
- 1.00% until 31/12/2029
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £795
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
3 Years Fixed
-
5.05%
Initial Rate
Fixed until 31/12/2029
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£795
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.05% Fixed until 31/12/2029.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 3.00% until 31/12/2027
- 2.50% until 31/12/2028
- 1.00% until 31/12/2029
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £795
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
3 Years Fixed
-
5.07%
Initial Rate
Fixed until 31/12/2029
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.07% Fixed until 31/12/2029.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 3.00% until 31/12/2027
- 2.50% until 31/12/2028
- 1.00% until 31/12/2029
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
3 Years Fixed
-
5.16%
Initial Rate
Fixed until 31/12/2029
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.16% Fixed until 31/12/2029.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 3.00% until 31/12/2027
- 2.50% until 31/12/2028
- 1.00% until 31/12/2029
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
3 Years Fixed
-
5.18%
Initial Rate
Fixed until 31/12/2029
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£795
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for Repayment.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.18% Fixed until 31/12/2029.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 3.00% until 31/12/2027
- 2.50% until 31/12/2028
- 1.00% until 31/12/2029
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £795
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
3 Years Fixed
-
5.25%
Initial Rate
Fixed until 31/12/2029
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£795
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.25% Fixed until 31/12/2029.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 3.00% until 31/12/2027
- 2.50% until 31/12/2028
- 1.00% until 31/12/2029
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £795
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
3 Years Fixed
-
5.27%
Initial Rate
Fixed until 31/12/2029
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for Repayment.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.27% Fixed until 31/12/2029.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 3.00% until 31/12/2027
- 2.50% until 31/12/2028
- 1.00% until 31/12/2029
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
3 Years Fixed
-
5.34%
Initial Rate
Fixed until 31/12/2029
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.34% Fixed until 31/12/2029.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 3.00% until 31/12/2027
- 2.50% until 31/12/2028
- 1.00% until 31/12/2029
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
3 Years Fixed
-
5.39%
Initial Rate
Fixed until 31/12/2029
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£795
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.39% Fixed until 31/12/2029.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 3.00% until 31/12/2027
- 2.50% until 31/12/2028
- 1.00% until 31/12/2029
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £795
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
3 Years Fixed
-
5.49%
Initial Rate
Fixed until 31/12/2029
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.49% Fixed until 31/12/2029.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 3.00% until 31/12/2027
- 2.50% until 31/12/2028
- 1.00% until 31/12/2029
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
3 Years Fixed
-
5.64%
Initial Rate
Fixed until 31/12/2029
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £80,000 - £600,000.
- Cashback: £500 paid following completion.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.64% Fixed until 31/12/2029.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 3.00% until 31/12/2027
- 2.50% until 31/12/2028
- 1.00% until 31/12/2029
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
3 Years Fixed
-
5.66%
Initial Rate
Fixed until 31/12/2029
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.66% Fixed until 31/12/2029.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 3.00% until 31/12/2027
- 2.50% until 31/12/2028
- 1.00% until 31/12/2029
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
4.86%
Initial Rate
Fixed until 31/12/2031
-
6.00%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,995
Product fees
Features
- Available for purchases.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 4.86% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
4.95%
Initial Rate
Fixed until 31/12/2031
-
6.00%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,495
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 4.95% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
4.95%
Initial Rate
Fixed until 31/12/2031
-
6.00%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Available for purchases.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 4.95% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.03%
Initial Rate
Fixed until 31/12/2031
-
6.00%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Available for remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.03% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.04%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,995
Product fees
Features
- Available for purchases.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.04% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.07%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,295
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.07% Fixed until 31/12/2031.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,295
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.08%
Initial Rate
Fixed until 31/12/2031
-
6.00%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.08% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.10%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,495
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.10% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.11%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Available for purchases.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.11% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.13%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Available for remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.13% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.13%
Initial Rate
Fixed until 31/12/2031
-
6.00%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.13% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.13%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,295
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.13% Fixed until 31/12/2031.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,295
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.15%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for remortgages.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £5,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.15% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.15%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,995
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.15% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.18%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.18% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.19%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.19% Fixed until 31/12/2031.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.20%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.20% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.21%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,495
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.21% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.22%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Available for remortgages and switching your Skipton mortgage deal.
- Available for Repayment.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.22% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.23%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for remortgages.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.23% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.24%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.24% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.25%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,295
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.25% Fixed until 31/12/2031.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,295
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.25%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,995
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.25% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.26%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.26% Fixed until 31/12/2031.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.27%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,495
Product fees
Features
- LTI Booster - borrow up to 5.5x your income.
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.27% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.29%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.29% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.30%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.30% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.31%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,295
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.31% Fixed until 31/12/2031.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,295
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.31%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Available for remortgages and switching your Skipton mortgage deal.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.31% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.32%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,495
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.32% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.32%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for remortgages.
- Available for Repayment.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.32% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.33%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.33% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.38%
Initial Rate
Fixed until 31/12/2031
-
6.10%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.38% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.40%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- LTI Booster - borrow up to 5.5x your income.
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £3,000,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.40% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.41%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.41% Fixed until 31/12/2031.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.42%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.42% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.42%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for remortgages.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.42% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.43%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- First-time buyers only.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Key Criteria:
- This product is available for applications where at least one of the applicants is a First-time buyer.
Important information:
- Delayed Start mortgage - no mortgage repayments due for the first month.
- Interest will accumulate from day one and be added to the mortgage balance.
- This means you would pay more over the term of the mortgage and your monthly payments will be slightly higher than if you had started paying in month one.
Rate details
- 5.43% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.44%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- First-time buyers only.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Key Criteria:
- This product is available for applications where at least one of the applicants is a First-time buyer.
Important information:
- Delayed Start mortgage - no mortgage repayments due for the first two months.
- Interest will accumulate from day one and be added to the mortgage balance.
- This means you would pay more over the term of the mortgage and your monthly payments will be slightly higher than if you had started paying in month one.
Rate details
- 5.44% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.45%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- First-time buyers only.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Key Criteria:
- This product is available for applications where at least one of the applicants is a First-time buyer.
Important information:
- Delayed Start mortgage - no mortgage repayments due for the first three months.
- Interest will accumulate from day one and be added to the mortgage balance.
- This means you would pay more over the term of the mortgage and your monthly payments will be slightly higher than if you had started paying in month one.
Rate details
- 5.45% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.46%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£1,495
Product fees
Features
- LTI Booster - borrow up to 5.5x your income.
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.46% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £1,495
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.46%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.46% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.47%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £1,500,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.47% Fixed until 31/12/2031.
- Then our Buy to Let Mortgage Variable Rate (BMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.54%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.54% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.58%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- LTI Booster - borrow up to 5.5x your income.
- Available for purchases, remortgages and switching your Skipton mortgage deal.
- Available for Repayment.
- Borrow from £5,000 - £750,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
- Fee-assisted conveyancing for remortgages.
Rate details
- 5.58% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.58%
Initial Rate
Fixed until 31/12/2031
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
£995
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.58% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: £995
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.59%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- First-time buyers only.
- Available for Repayment.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Key Criteria:
- This product is available for applications where at least one of the applicants is a First-time buyer.
Important information:
- Delayed Start mortgage - no mortgage repayments due for the first month.
- Interest will accumulate from day one and be added to the mortgage balance.
- This means you would pay more over the term of the mortgage and your monthly payments will be slightly higher than if you had started paying in month one.
Rate details
- 5.59% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.60%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- First-time buyers only.
- Available for Repayment.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Key Criteria:
- This product is available for applications where at least one of the applicants is a First-time buyer.
Important information:
- Delayed Start mortgage - no mortgage repayments due for the first two months.
- Interest will accumulate from day one and be added to the mortgage balance.
- This means you would pay more over the term of the mortgage and your monthly payments will be slightly higher than if you had started paying in month one.
Rate details
- 5.60% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.61%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- First-time buyers only.
- Available for Repayment.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Key Criteria:
- This product is available for applications where at least one of the applicants is a First-time buyer.
Important information:
- Delayed Start mortgage - no mortgage repayments due for the first three months.
- Interest will accumulate from day one and be added to the mortgage balance.
- This means you would pay more over the term of the mortgage and your monthly payments will be slightly higher than if you had started paying in month one.
Rate details
- 5.61% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.64%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £80,000 - £600,000.
- Cashback: £500 paid following completion.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.64% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.64%
Initial Rate
Fixed until 31/12/2031
-
6.20%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Existing Skipton borrowers only. Available for purchases and switching your Skipton mortgage deal.
- Available for either Repayment or Interest Only.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Rate details
- 5.64% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.74%
Initial Rate
Fixed until 31/12/2031
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Key Criteria:
- You might be eligible for our Track Record mortgage if you're aged 21 or over with less than 5% deposit
- You must not have owned a property in the UK in the last 3 years
- You must have proof of having paid 12 months rent in a row, in the UK, within the last 18 months
Rate details
- 5.74% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.79%
Initial Rate
Fixed until 31/12/2031
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- First-time buyers only.
- Available for Repayment.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Key Criteria:
- This product is available for applications where at least one of the applicants is a First-time buyer and aged 21 or over with less than 5% deposit.
- You must not have owned a property in the UK in the last 3 years.
- You must have proof of having paid 12 months rent in a row, in the UK, within the last 18 months.
Important information:
- Track Record mortgage with Delayed Start feature - no mortgage repayments due for the first month.
- Interest will accumulate from day one and be added to the mortgage balance.
- This means you would pay more over the term of the mortgage and your monthly payments will be slightly higher than if you had started paying in month one.
Rate details
- 5.79% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.80%
Initial Rate
Fixed until 31/12/2031
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- First-time buyers only.
- Available for Repayment.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Key Criteria:
- This product is available for applications where at least one of the applicants is a First-time buyer and aged 21 or over with less than 5% deposit.
- You must not have owned a property in the UK in the last 3 years.
- You must have proof of having paid 12 months rent in a row, in the UK, within the last 18 months.
Important information:
- Track Record mortgage with Delayed Start feature - no mortgage repayments due for the first two months.
- Interest will accumulate from day one and be added to the mortgage balance.
- This means you would pay more over the term of the mortgage and your monthly payments will be slightly higher than if you had started paying in month one.
Rate details
- 5.80% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.81%
Initial Rate
Fixed until 31/12/2031
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- First-time buyers only.
- Available for Repayment.
- Borrow from £5,000 - £600,000.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Key Criteria:
- This product is available for applications where at least one of the applicants is a First-time buyer and aged 21 or over with less than 5% deposit.
- You must not have owned a property in the UK in the last 3 years.
- You must have proof of having paid 12 months rent in a row, in the UK, within the last 18 months.
Important information:
- Track Record mortgage with Delayed Start feature - no mortgage repayments due for the first three months.
- Interest will accumulate from day one and be added to the mortgage balance.
- This means you would pay more over the term of the mortgage and your monthly payments will be slightly higher than if you had started paying in month one.
Rate details
- 5.81% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
5 Years Fixed
-
5.89%
Initial Rate
Fixed until 31/12/2031
-
6.30%
APRC
Overall cost for comparison
-
None
Estimated monthly payments
-
None
Total paid over 2 years
Assumes product fees paid upfront
-
None
Product fees
Features
- Available for purchases.
- Available for Repayment.
- Borrow from £100,000 - £600,000.
- Cashback: £1,000 paid following completion.
- No charge for a valuation, subject to criteria. For mortgage purposes only.
Key Criteria:
- You might be eligible for our Track Record mortgage if you're aged 21 or over with less than 5% deposit
- You must not have owned a property in the UK in the last 3 years
- You must have proof of having paid 12 months rent in a row, in the UK, within the last 18 months
Rate details
- 5.89% Fixed until 31/12/2031.
- Then our Residential Mortgage Variable Rate (RMVR, currently 6.29% variable) for the rest of the term.
Early Repayment Charges
- 5.00% until 31/12/2027
- 5.00% until 31/12/2028
- 4.50% until 31/12/2029
- 3.00% until 31/12/2030
- 1.50% until 31/12/2031
You can make overpayments of up to 10% of your original balance per year without incurring an Early Repayment Charge.
Fees
- Product fee: None
Before applying for a mortgage, you need a Decision in Principle (DIP). It's sometimes referred to as an Agreement in Principle (AIP) or mortgage in principle. A DIP gives an indication of how much you may be able to borrow from us. Many sellers or estate agents ask to see your DIP to show you could get a mortgage.
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Adjust the deposit amount to change the Loan to Value (LTV) ratio.
You could lose your home if you don't keep up your mortgage repayments. All mortgages are subject to lending criteria, valuation and underwriter approval. You must be 18 or over to apply for a mortgage. Our mortgages aren't available in Northern Ireland.
Representative examples
Residential mortgages
The APRC is calculated based on the following: A repayment mortgage of £245,000 payable over 32 years initially on a rate fixed until 31/12/2028 at 4.82% followed by our RMVR, currently 6.29% variable, for the remaining term. This mortgage would require 24 monthly payments of £1,251.86, 358 monthly payments of £1,471.97, followed by a final payment of £1,312.85. The total amount payable would be £558,322.75, made up of the loan amount plus interest. Completion fee £0.
Buy to Let mortgages
The APRC is calculated based on the following: An interest only mortgage of £215,000 payable over 22 years initially on a fixed rate until 31/12/2028 at 4.65% and then on our BMVR rate currently 6.29% for the remaining term would require 24 monthly payments of £833.12 and 240 monthly payments of £1,126.95. The total amount payable would be £290,462.88 made up of the loan amount plus interest. Completion fee £0.