5 Year Fixed Rate Mortgage


5 Year Fixed Rate Mortgage (90% LTV) Standard fee for Remortgages

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Benefits of a Skipton Mortgage

When you take out a mortgage, you might appreciate some support on your journey. For this reason, we provide the following benefits.

  • Daily interest - by calculating the interest you pay on a daily basis, we may be able to help you save thousands of pounds over the life of your mortgage.
  • Overpayments up to 10% per year without charge even if there is an Early Repayment Charge (ERC) – this option could allow you to pay your mortgage off earlier than planned, potentially saving you thousands of pounds in interest.
  • Payment holidays - if you've made overpayments and are eligible, we offer payment holidays, giving you a break from mortgage payments for up to three consecutive months.
  • Mix and match - if you can't decide which product is best for you, or you'd like a combination of products, your mortgage adviser may be able to recommend a combination of products to suit your personal requirements. In such cases, the highest product fee of those chosen will apply.
  • One free standard valuation up to a maximum purchase price/estimated valuation/ultimate valuation of £1,500,000. See product specification for details.
  • Free standard legal costs for some products if you're remortgaging.
  • Cashback following completion for some products if you're remortgaging
  • Portability - your product may be portable, meaning you may be able to move your mortgage deal with you (subject to lending criteria) if you choose to move house, without paying an ERC unless you are reducing the balance.
  • Personal Adviser - you will receive your own dedicated mortgage adviser to offer help, information and advice. Buy-to-let applicants will receive all the help and information they need to make a decision about their mortgage.
  • Protection - we can provide buildings insurance to protect your home and its contents as well as cover such as Critical Illness Cover. Buildings insurance can only be put in place for properties which are complete. For new builds, you may need to have 'property in the course of construction' insurance in place from exchange of contracts. Your conveyancer will advise you if this is the case.
  • Additional borrowing – if you want to increase your mortgage in the future, we offer the option of additional borrowing, subject to affordability, LTV and other lending criteria.

Start your application online

You can start your application now by obtaining an online Decision in Principle (DIP) which takes around 10 minutes to complete, once you have the relevant information to hand.

  • You will need your salary and employment details/2 years’ worth of accounts or an accountant's certificate if you are self employed
  • details of your existing mortgage(s), if you already have one
  • details of your current financial commitments and loans

We will ask you for specific information about your income and outgoings, following which we will provide you with a decision about the amount of loan which could be available to you and whether we will be able to provide you with a mortgage. The DIP is not a cost quotation for a particular mortgage product but an indicator of how much we would be prepared to lend you. A more detailed quotation will be provided to you in the form of a Mortgage Illustration later in the application process.

Once you have this initial lending decision, our mortgage team will contact you to book a telephone appointment with a qualified Mortgage Adviser. They will advise you on products which are most suitable for you and assist you in making a full mortgage application.

Please note, an application for a DIP involves the Society carrying out a credit check on you.


Online DIP - Important Notes

  • The DIP is limited to a maximum of two applicants only.
  • Applicant(s) must be at least 18 years of age and must be a UK resident or EEA citizen or have indefinite leave to remain.
  • The property must be in the UK. (NB Currently we do not lend in Northern Ireland)
  • Not available for Buy to Let

Call us or use Skipton Link

Alternatively you can speak to one of our mortgage team by telephone or video using Skipton Link who will be happy to give you more details about this mortgage and the application process and carry out a DIP.

Call Skipton Direct

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

Phone0345 850 1755

Need help?

Phone Call Skipton Direct 0345 850 1755

8am - 8pm
8am - 5.30pm
9am - 12pm
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