Mortgage Payment difficulties

Please bear with us

We currently have fewer colleagues available in our contact centre to answer your calls. Please only contact us if your query is urgent. We would also request that you only visit our branches for essential transactions. The safety of our colleagues and customers is our number one priority.

To request a mortgage payment holiday of up to 3 months, please email PaymentHolidayRequests@skipton.co.uk including your mortgage account number and the best number to contact you on, if we need to.

Visit our coronavirus updates page for regular updates. Thank you for letting our colleagues help those who need it most.

Mortgage payment holidays

If you are concerned about making repayments on any residential or buy to let property as a result of the current COVID-19 situation, we’re here to support you.

We’ve set up a dedicated email PaymentHolidayRequests@skipton.co.uk for customers to request a mortgage payment holiday of up to 3 months. Please ensure that you provide your mortgage account number and the best number for us to contact you on, if we need to. Once we’ve received your email, we’ll be in touch to either confirm your request or to discuss your individual circumstances further.

If your next mortgage payment is due in the next 10 working days, your payment holiday may not start until the following month and this will be confirmed in our email response.

In the meantime, leave your Direct Debit in place if you have sufficient funds to cover your regular monthly payment. You can also make a payment by bank transfer , you can find details on our bank details page.

If you're worried about or unable to make your monthly mortgage repayments, then it is important you talk to us as soon as possible. The earlier you get in touch the better, as there are more options available if you tackle the problem early on.

Ways to get in contact with our team

Why you should contact us

If you are having trouble paying your mortgage, we will try to help you by:

  • contacting you as soon as possible to discuss your circumstances
  • trying to find a solution that suits you
  • keeping you informed
  • taking your individual circumstances into account

We might be able to:

  • arrange a new payment plan with you, taking your and our circumstances into account
  • change the way you make your payments, or the date you make them
  • allow you to pay back your mortgage over a longer period of time (which might reduce your monthly payments)
  • change the type of mortgage.
  • You can find more information about how we treat customers fairly and what you can do if you're experiencing financial worries on our treating customers fairly page.
  • Treating customers fairly

What you can do

  • To help us understand more about your circumstances, please complete our Personal Budget Form (PDF) where the mortgage is on your home. If the mortgage you need to discuss is a Buy to Let you should complete our Buy to Let Questionnaire (PDF) first.
  • You can send this to us either by post to Credit Management Team,
    Skipton Building Society,
    Principal Office,
    The Bailey,
    Skipton,
    North Yorkshire,
    BD23 1DN or by email to creditmanagement@skipton.co.uk
  • Take a look at our Helpful Contacts – a list of organisations that can also assist those in financial difficulty.
  • Visit paying your mortgage - to find out more about the different ways you can make your monthly mortgage payments.
  • Do you have a mortgage payment protection policy taken out either as part of your original mortgage or as a standalone policy? If so, have you made enquiries as to whether you are eligible to claim. If you are eligible to claim this may provide temporary support with your mortgage payments.

Other useful information

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Ways to contact us

Webchat

Chat to us online 

Phone

Speak to our dedicated credit management team on

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

Useful information and tools

Helpful contacts

More information about organisations that can also assist those in financial difficulty.

Find out more

Paying your mortgage

Find out more about the different ways you can make your monthly mortgage payments with us.

Ways to pay your mortgage

Personal Budget Form

To help us understand more about your circumstances, please fill in our personal budget form where the mortgage is on your home.

Our personal budget form
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