How to apply for a Buy to Let mortgage

Found a mortgage product you think could suit your needs? You can get started by following these few steps.

Things you need to know first

  • Please refer to our Mortgage Terms of Business and our Tariff of Mortgage Charges before proceeding with your application.
  • All mortgages are subject to lending criteria, valuation and underwriter approval. You must be 18 or over to apply for a mortgage.
  • Furlough/Self employed grant - If you are furloughed we are unable to offer you a mortgage if your application relies on this furloughed income to pass our affordability check.
  • For customers in Scotland you must have a valid home report (no older than 90 days) prior to submitting your mortgage application.

Get a Decision in Principle (DIP)

Once you have an idea of what you can afford, the first step to applying for a mortgage is getting a Decision in Principle (DIP).

If you're applying for a Buy to Let mortgage, thinking of borrowing more or are reviewing an existing Skipton mortgage, you can talk to us over the phone to get a DIP.

Documents you'll need

You will need the following documents/information before you call.


  • Salary
  • Bonuses
  • Overtime
  • Benefits
  • If you’re self-employed - last 2 years of accounts or Accountant's Certificate and net profit
  • For limited companies - amount of dividends and remuneration
  • If you’re a contractor please quote your annual salary as your daily rate x 5 x 48 weeks as employed income, rather than self-employed income.


  • Loans
  • Credit cards
  • Existing mortgage payments
  • Spending

The DIP is for illustrative purposes only and doesn't provide all the information you need to choose a mortgage. It is not specifically related to a mortgage product within our range, and we reserve the right to withdraw our products at any time without notice.

0345 607 9825

Book a mortgage appointment

If your DIP is approved, we'll arrange a mortgage appointment for you with one of our mortgage advisers, which can either be over the phone or via video link. During the appointment, your dedicated mortgage adviser will recommend a suitable mortgage from our range and prepare your full application. Please talk to us to book a mortgage appointment.

0345 607 9825

If you fail to keep up with payments on your mortgage a 'receiver of rent' may be appointed and/or your rental property may be repossessed. Most Buy to Let mortgages are not regulated by the FCA.

Need help?

If you have any questions about how to apply for a mortgage, you can speak to one of our mortgage team.

Talk to us

Speak to a member of our mortgage team

8am - 8pm
8am - 5:30pm
9am - 12pm
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