In order to continually improve our website, we collect non-personal data through cookies.By continuing to use the website you are accepting the use of these cookies. To find out more read our
You'll find all the help you need in our Savings Hub.
You'll find all the help you need in our Mortgage Hub.
Use our secure online form to request a call back to arrange a My Review - a free service, backed by our No Pressure Promise, in which we aim to help you understand and prepare for retirement.
We're always here for you - and so are our carefully chosen partners. Together, we offer great products and services to help you achieve your financial goals.
As part of our legacy service, our Will writing specialist partner Redstone Wills Ltd can help you.
Read our latest articles on Financial Advice in our Knowledge Centre.
Buying your first home is a big step, so it’s important to get a mortgage that's right for you.
Borrow up to 90% of your property value
Fixed and variable rates available
No fees payable upfront for application
It’s essential you know what you may be able to borrow before looking for your first home, so you’ll need to call us for an affordability check first.
If you’re saving for a deposit, then it’s worth considering the following options.
Online Cash Lifetime ISA
This is a savings account which can be opened by people between the age of 18 and 39 to save up to £4,000 tax-free each year. The government will pay a 25% bonus on your contributions, up to a maximum of £1,000 a year and it can be used to help you save for your first home.
Your Lifetime ISA allowance forms part of your overall £20,000 annual ISA allowance. If you withdraw before you reach 60 for any reason other than purchasing your first home, a government charge will apply and you will get back less than you put in. Find out more.
Help to Buy
Help to Buy is a government scheme designed to help if you’re saving for a deposit for your first home or to move up the property ladder. View our help to buy products. Help to Buy loans are only available if you meet the eligibility criteria and you're buying a new-build home.
Once you've got your deposit together, you then need to get advice on the type of mortgage you can have, which tends to be one of the following three types:
You can obtain a Decision In Principle (DIP) over the phone, once you have found a property, and it only takes around ten minutes.
The amount we lend is based on an overall assessment of affordability, which takes into account your income, expenditure and the impact of possible future interest rate rises.
What you’ll need when you call us;
We have a range of mortgages available to first time buyers starting with a minimum 10% deposit.
For an affordability check, Decision in Principle or to talk to us about our mortgage products please call us on 0345 607 9825
Subject to our normal affordability assessment and lending criteria at the time. Security is required for any loan. Full terms and conditions apply.
Cover for your home and the things you love. Provided by our partner, Legal & General.
Tax-free savings account for people aged 18 to 39 designed to help you buy your first home or help fund your retirement.
We were named Best National Building Society in the 2017 What Mortgage Awards, following a four month consumer voting campaign.
*To help maintain service and quality, some telephone calls may be recorded and monitored.
Site intended for UK residents only. Skipton Building Society is a member of the Building Societies Association. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under registration number 153706, for accepting deposits, advising on and arranging mortgages and providing Restricted financial advice. Principal Office, The Bailey, Skipton, North Yorkshire, BD23 1DN.