Fraudsters are encouraging savers to move their money into higher risk cryptocurrency investments. Skipton does not endorse any cryptocurrency investments.
Be cautious of uninvited investment offers. If something doesn’t feel right, trust your instincts and take the time to investigate.
If you’re worried or struggling to make your monthly mortgage repayment, we could help.
Are you experiencing financial difficulties and feeling concerned about paying your mortgage? The earlier you get in touch the better, as there are more options to explore if you tackle the problem early.
We’ve given our full backing to the government’s Mortgage Charter, and we are supporting the UK Finance Reach Out campaign encouraging customers to reach out to their lender for support.
The first step is to complete an Income & Expenditure Form. This gives us a better picture of your financial position and allow us to consider all the options available to you. Submitting the Form online is the quickest way to get it to us.
Select the Residential Form if the mortgage is on a property you’re living in.
Select the Buy to Let Form if the mortgage is on a property you’re renting out.
You'll be transferred to Adobe Sign to complete your Income & Expenditure Form. We'll respond within 14 days of receiving it. Adobe Sign's website terms and conditions, cookie policy and privacy policy may differ from Skipton's so please read them carefully.
Please use the Residential Form if you live in the mortgaged property, or the Buy to Let Form if your property is rented.
You'll be transferred to Adobe Sign to complete your Income & Expenditure Form. We'll respond within 14 days of receiving it. Adobe Sign's website terms and conditions, cookie policy and privacy policy may differ from Skipton's so please read them carefully.
Please use the Residential Form if you live in the mortgaged property, or the Buy to Let Form if your property is rented.
Alternatively, forms can be posted to:
Credit Management,
Skipton Building Society,
The Bailey,
Skipton,
North Yorkshire,
BD23 1DN
or emailed to creditmanagement@skipton.co.uk
Once we have received your completed form online, by post or email, we will get in touch to discuss the types of support we could offer you. Speaking to us to discuss your situation will not impact your credit file. Your credit file will only be impacted if you miss a full monthly mortgage payment, or if you enter a payment arrangement to repay the arrears.
Additional options may be available depending on your circumstances so please contact us for further details.
It may be an option we can look at. However, any reduced payment options are based on what you can afford and will be reported on your credit file. Please complete an Income & Expenditure Form (if it’s for the home you live in, use the Residential Form, or if it’s a property you rent out, use the Buy to Let Form). We can then review any options that might be available.
No, you must make all due payments up until the mortgage is repaid. However, if you are struggling to make your monthly mortgage payments, please complete an Income & Expenditure Form and we can review any options that might be available. If it’s for the home you live in, please use the Residential Form. If it’s for a property you rent out, please use the Buy to Let Form.
It may be an option we can look at with you. However, any reduced payment options are based on what you can afford and will be reported on your credit file. Please complete an Income & Expenditure Form and we can review any options that might be available. Select the Residential Form if it's for the home you live in. Or select the Buy to Let Form if it’s for a property you rent out.
Your mortgage is a priority debt and you must contact any other lenders first and see if you can look at reduced payments. If you are struggling to make payments on your other loans, we have a list of helpful contacts below who may be able to help you. Alternatively, you can talk to PayPlan for free independent debt advice.
Calling us to discuss your situation will not impact your credit file. Your credit file will only be impacted if you miss a full monthly mortgage payment, or if you enter a formal payment arrangement with us.
You may only take a payment holiday if you have previously made regular overpayments. Please refer to your mortgage offer for more information on your specific overpayment allowances.
This may be a temporary option that we can look at for you. Any reduced payment options are based on what you can afford and may affect your credit file.
Yes, available dates are the 1st, 10th, 12th, 15th, 20th, and the last working day of the month.
This is not something that we offer.
You could lose your home if you don't keep up your mortgage repayments.
There are many organisations which offer free, independent money advice. Their advisers can assess your situation and devise a suitable course of action for you.
PayPlan offers free debt solutions, including free debt management plans and Individual Voluntary Arrangements (or IVAs).
Visit PayPlan's Financial Wellbeing Hub
Visit PayPlan's budget tool
Set up by the government, the MoneyHelper service offers free, impartial advice on everything from budgeting to managing periods of financial difficulty. You can access helpful guidance personalised to your financial needs, including areas where you should consider acting now to avoid money problems in the future.
Use MoneyHelper's Money Navigator Tool
0800 144 8848 (England)
0800 702 2020 (Wales)
0800 028 1456 (Scotland)
The Citizens Advice Bureau offers free, impartial advice on a wide range of subjects, including specific help with mortgage problems.
Visit Citizens Advice Bureau
A free, confidential and independent telephone advice service.
Visit National Debtline
Step Change offers free, impartial advice to people currently struggling with money, and gives tips on budgeting and managing credit commitments.
Visit Step Change
Free, confidential and independent advice for self-employed people and small businesses.
Visit Business Debtline
Churches across the UK are partnered with CAP to provide free debt help and community groups.
Visit CAP
The Mental Health Money Advice service Mental Health UK helps individuals who are experiencing poor mental health. This includes support with problem debt / insufficient income to manage your on-going commitments.
Visit Mental Health & Money Advice
If you're in England or Wales, you can access free legal support through the Housing Loss Prevention Advice Service and if you are required to attend a court hearing they may be able to represent you.
