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Find a mortgage

Finding a mortgage doesn’t have to be hard work. Our easy-to-use mortgage finder will show you a selection of our latest mortgage products which could be right for you.

Before you begin

  • We also offer mortgages as part of the Shared Ownership schemes, First Homes England Scheme, or Scottish Shared Ownership schemes.
  • If you’re looking to purchase a New Build house or flat with a deposit of at least 5% but less than 10% of the property value, you’ll need to visit our New Builds page.
  • All mortgages are subject to lending and eligibility criteria, valuation and underwriter approval. You must be 18 or over to apply for a mortgage. For Buy to Let, we don’t currently lend if you haven’t had a mortgage before. Our mortgages are only available in Great Britain.
  • If you’re looking to review your current Skipton mortgage and you think you might struggle with increased payments because of higher interest rates, please call us on 0345 850 1766 to discuss your options.
  • Loan to Value (LTV) is the percentage of your property's value you’re borrowing and affects the mortgage rates available to you. To calculate your LTV, divide the amount you’re borrowing by the property value, and then multiply by one hundred. For example: (£180,000 ÷ £200,000) × 100 = 90%.
  • The APRCs are currently being calculated using our new Mortgage Variable Rate (MVR) of 6.29%, which is due to change on 1 February 2026.

You could lose your home if you don't keep up your mortgage repayments. Mortgage valuations and most Buy to Let mortgages aren't regulated by the Financial Conduct Authority.

Start your search

Your borrowing needs

Minimum property value: £50,000 (£75,000 for Buy to Let)

Enter property value

Minimum property value is £50,000

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Enter mortgage amount

Mortgage amount cannot be more than the property value

Enter a mortgage amount between £5,000 and £5,000,000

Enter a mortgage amount between £5,000 and £5,000,000

£

The method used to repay the mortgage

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No mortgage products found

Adjust the mortgage amount to change the Loan to Value (LTV) ratio.

Representative examples

Residential mortgages

The APRC is calculated based on the following: A repayment mortgage of £225,000 payable over 32 years initially on a rate fixed until 30/06/2028 at 5.52% followed by our RMVR, currently 6.54% variable, for the remaining term. This mortgage would require 24 monthly payments of £1,256.88, 358 monthly payments of £1,401.89, followed by a final payment of £1,057.31. The total amount payable would be £533,099.05, 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 £165,000 payable over 25 years initially on a fixed rate until 30/06/2028 at 5.29% and then on our BMVR rate currently 6.54% for the remaining term would require 24 monthly payments of £991.64 and 275 monthly payments of £1,109.23, followed by a final payment of £217.17. The total amount payable would be £329,054.78 made up of the loan amount plus interest. Completion fee £0.