How to apply for a mortgage

Found a mortgage product you think could suit your needs? There are a few steps you’ll need to follow to apply.

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 taking out a new mortgage

If you're taking out a new mortgage with Skipton as a first time buyer, buying your next home or remortgaging to us from another mortgage provider, you can get a Decision in Principle online.

Getting a DIP

If you're reviewing an existing Skipton mortgage

If you're thinking of borrowing more on your mortgage or are reviewing an existing Skipton mortgage, you need to talk to us over the phone to get a DIP.

When you call you will need details of your income and outgoings.

0345 607 9825

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.

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

Your home may be repossessed if you do not keep up repayments on your mortgage.

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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