Welcome to our Variable Rate mortgage products

Variable Rate Mortgages

Enjoy the flexibility of a variable rate mortgage, with products available over a variety of terms to suit you and your individual needs.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS. IF YOU HAVE A BUY TO LET MORTGAGE AND YOU FAIL TO KEEP UP WITH THE PAYMENTS ON YOUR MORTGAGE A 'RECEIVER OF RENT' MAY BE APPOINTED AND/OR YOUR RENTAL PROPERTY MAY BE REPOSSESSED.

Enjoy the flexibility of a variable rate mortgage

A variable rate mortgage has a rate which can move either up or down and may be linked to an external rate, such as the Bank of England Base Rate (BoEBR) or may be adjusted by the lender. This means that the interest rate on your mortgage will rise and fall in line with any changes to this rate. While your monthly payments may be lower than those on an equivalent fixed rate product, you should bear in mind that during the mortgage, your payments could go up as well as down.

Our Mortgage Guide and Skipton Variable Rates page offer a more detailed explanation of different types of variable rate mortgages, including the Base Rate Tracker, the Skipton Variable Rate, our Mortgage Variable Rate and Discount Variable Rates.

Variable rates are set for a number of years and usually run to a fixed end date, which will typically be 2, 3 or 5 years from the date you take out your mortgage. Below are our options for variable rate mortgages, which also feature a range of standard, low or no application and completion fees:

Initial rate payable 2.48% Variable (BoEBR + 1.73%) for 2 years from completion. The pay rate will not go below a floor of 2.48%.
Then changing to Not Applicable
Changing to 5.19%
our current BMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.9% APRC
Early Repayment Charges None
Max LTV 60%
Mortgage fees Application:£0
Completion:£495
Find out more
The APRC is calculated based on the following: An interest only mortgage of £155,000 payable over 19 years 7 months on our variable tracker rate for 2 years at 2.48% and then on our current BMVR rate of 5.19% (variable) would require 24 monthly payments of £321.36 and 211 monthly payments of £672.54. The total amount payable would be £305,155.79 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.59% Variable (BoEBR + 1.84%) for 2 years from completion. The pay rate will not go below a floor of 2.59%.
Then changing to Not Applicable
Changing to 5.19%
our current BMVR a variable rate for the remainder of the term
The overall cost for comparison is 5.0% APRC
Early Repayment Charges None
Max LTV 75%
Mortgage fees Application:£0
Completion:£495
Find out more
The APRC is calculated based on the following: An interest only mortgage of £110,000 payable over 22 years 1 month on our variable tracker rate for 2 years at 2.59% and then on our current BMVR rate of 5.19% (variable) would require 24 monthly payments of £238.49 and 241 monthly payments of £477.91. The total amount payable would be £231,406.68 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 1.79% Variable (BoEBR + 1.04%) for 2 years from completion. The pay rate will not go below a floor of 1.79%.
Then changing to 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.
Changing to 4.99%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.0% APRC
Early Repayment Charges 0.5% for 2 years from completion
Max LTV 60%
Mortgage fees Application:£0
Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £135,000 payable over 17 years 1 month on our variable tracker rate for 2 years at 1.79% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £764.31 and 36 monthly payments of £890.96 and 144 monthly payments of £941.15 followed by a final payment of £812.85. The total amount payable would be £186,756.45 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 1.69% Variable (BoEBR + 0.94%) for 2 years from completion. The pay rate will not go below a floor of 1.69%.
Then changing to 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.
Changing to 4.99%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.2% APRC
Early Repayment Charges None
Max LTV 60%
Mortgage fees Application:£0
Completion:£995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £175,000 payable over 20 years 4 months on our variable tracker rate for 2 years at 1.69% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £852.15 and 36 monthly payments of £1,032.88 and 183 monthly payments of £1,105.37 followed by a final payment of £877.20. The total amount payable would be £260,795.19 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 1.89% Variable (BoEBR + 1.14%) for 2 years from completion. The pay rate will not go below a floor of 1.89%.
Then changing to 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.
Changing to 4.99%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.3% APRC
Early Repayment Charges 0.5% for 2 years from completion
Max LTV 75%
Mortgage fees Application:£0
Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £195,000 payable over 23 years 9 months on our variable tracker rate for 2 years at 1.89% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £848.92 and 36 monthly payments of £1,041.28 and 224 monthly payments of £1,128.81 followed by a final payment of £792.80. The total amount payable would be £311,506.40 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 1.78% Variable (BoEBR + 1.03%) for 2 years from completion. The pay rate will not go below a floor of 1.78%.
Then changing to 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.
Changing to 4.99%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.3% APRC
Early Repayment Charges None
Max LTV 75%
Mortgage fees Application:£0
Completion:£995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £230,000 payable over 25 years 3 months on our variable tracker rate for 2 years at 1.78% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £946.33 and 36 monthly payments of £1,189.00 and 242 monthly payments of £1,295.89 followed by a final payment of £858.22. The total amount payable would be £379,979.52 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 1.94% Variable (BoEBR + 1.19%) for 2 years from completion. The pay rate will not go below a floor of 1.94%.
Then changing to 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.
Changing to 4.99%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.3% APRC
Early Repayment Charges 0.5% for 2 years from completion
Max LTV 80%
Mortgage fees Application:£0
Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £190,000 payable over 24 years 10 months on our variable tracker rate for 2 years at 1.94% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £803.44 and 36 monthly payments of £988.75 and 237 monthly payments of £1,076.05 followed by a final payment of £723.12. The total amount payable would be £310,624.53 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.13% Variable (BoEBR + 1.38%) for 2 years from completion. The pay rate will not go below a floor of 2.13%.
Then changing to 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.
Changing to 4.99%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.4% APRC
Early Repayment Charges 0.5% for 2 years from completion
Max LTV 85%
Mortgage fees Application:£0
Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £190,000 payable over 27 years 9 months on our variable tracker rate for 2 years at 2.13% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £755.48 and 36 monthly payments of £930.58 and 272 monthly payments of £1,023.03 followed by a final payment of £603.35. The total amount payable would be £330,499.91 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 1.97% Variable (BoEBR + 1.22%) for 2 years from completion. The pay rate will not go below a floor of 1.97%.
Then changing to 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.
Changing to 4.99%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.4% APRC
Early Repayment Charges None
Max LTV 85%
Mortgage fees Application:£0
Completion:£995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £310,000 payable over 28 years 2 months on our variable tracker rate for 2 years at 1.97% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £1,198.86 and 36 monthly payments of £1,508.99 and 277 monthly payments of £1,661.22 followed by a final payment of £957.92. The total amount payable would be £544,212.14 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.32% Variable (BoEBR + 1.57%) for 2 years from completion. The pay rate will not go below a floor of 2.32%.
Then changing to 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.
Changing to 4.99%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.4% APRC
Early Repayment Charges 0.5% for 2 years from completion
Max LTV 90%
Mortgage fees Application:£0
Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £165,000 payable over 27 years 4 months on our variable tracker rate for 2 years at 2.32% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £679.18 and 36 monthly payments of £816.05 and 267 monthly payments of £895.87 followed by a final payment of £534.88. The total amount payable would be £285,410.29 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.24% Variable (BoEBR + 1.49%) for 2 years from completion. The pay rate will not go below a floor of 2.24%.
Then changing to 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.
Changing to 4.99%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.5% APRC
Early Repayment Charges None
Max LTV 90%
Mortgage fees Application:£0
Completion:£995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £275,000 payable over 29 years 3 months on our variable tracker rate for 2 years at 2.24% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £1,071.79 and 36 monthly payments of £1,315.59 and 290 monthly payments of £1,453.49 followed by a final payment of £791.02. The total amount payable would be £495,387.32 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.99% Variable (BoEBR + 2.24%) for 2 years from completion. The pay rate will not go below a floor of 2.99%.
Then changing to 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.
Changing to 4.99%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.5% APRC
Early Repayment Charges None
Max LTV 95%
Mortgage fees Application:£0
Completion:£495
Find out more
The APRC is calculated based on the following: A repayment mortgage of £250,000 payable over 25 years 7 months on our variable tracker rate for 2 years at 2.99% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £1,167.27 and 36 monthly payments of £1,292.27 and 246 monthly payments of £1,410.11 followed by a final payment of £919.25. The total amount payable would be £422,342.51 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 3.09% Variable (BoEBR + 2.34%) for 2 years from completion. The pay rate will not go below a floor of 3.09%.
Then changing to 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.
Changing to 4.99%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.5% APRC
Early Repayment Charges 0.5% for 2 years from completion
Max LTV 95%
Mortgage fees Application:£0
Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £175,000 payable over 23 years 11 months on our variable tracker rate for 2 years at 3.09% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £862.29 and 36 monthly payments of £939.72 and 226 monthly payments of £1,019.31 followed by a final payment of £714.47. The total amount payable would be £285,603.41 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
Product name Initial rate payable Then changing to Changing to The overall cost for comparison is Early Repayment Charges Max LTV Mortgage fees  
2 Year Buy to Let Base Rate Tracker Mortgage for Purchases & Remortgages 2.48% Variable (BoEBR + 1.73%) for 2 years from completion. The pay rate will not go below a floor of 2.48%. Not Applicable 5.19%
our current BMVR a variable rate for the remainder of the term
4.9% APRC None 60% Application:£0
Completion:£495
Find out more
The APRC is calculated based on the following: An interest only mortgage of £155,000 payable over 19 years 7 months on our variable tracker rate for 2 years at 2.48% and then on our current BMVR rate of 5.19% (variable) would require 24 monthly payments of £321.36 and 211 monthly payments of £672.54. The total amount payable would be £305,155.79 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Buy to Let Base Rate Tracker Mortgage for Purchases & Remortgages 2.59% Variable (BoEBR + 1.84%) for 2 years from completion. The pay rate will not go below a floor of 2.59%. Not Applicable 5.19%
our current BMVR a variable rate for the remainder of the term
5.0% APRC None 75% Application:£0
Completion:£495
Find out more
The APRC is calculated based on the following: An interest only mortgage of £110,000 payable over 22 years 1 month on our variable tracker rate for 2 years at 2.59% and then on our current BMVR rate of 5.19% (variable) would require 24 monthly payments of £238.49 and 241 monthly payments of £477.91. The total amount payable would be £231,406.68 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Base Rate Tracker Mortgage No Fee for Purchases & Remortgages 1.79% Variable (BoEBR + 1.04%) for 2 years from completion. The pay rate will not go below a floor of 1.79%. 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date. 4.99%
our current RMVR a variable rate for the remainder of the term
4.0% APRC 0.5% for 2 years from completion 60% Application:£0
Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £135,000 payable over 17 years 1 month on our variable tracker rate for 2 years at 1.79% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £764.31 and 36 monthly payments of £890.96 and 144 monthly payments of £941.15 followed by a final payment of £812.85. The total amount payable would be £186,756.45 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Base Rate Tracker Mortgage Standard Fee for Purchases & Remortgages 1.69% Variable (BoEBR + 0.94%) for 2 years from completion. The pay rate will not go below a floor of 1.69%. 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date. 4.99%
our current RMVR a variable rate for the remainder of the term
4.2% APRC None 60% Application:£0
Completion:£995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £175,000 payable over 20 years 4 months on our variable tracker rate for 2 years at 1.69% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £852.15 and 36 monthly payments of £1,032.88 and 183 monthly payments of £1,105.37 followed by a final payment of £877.20. The total amount payable would be £260,795.19 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Base Rate Tracker Mortgage No Fee for Purchases & Remortgages 1.89% Variable (BoEBR + 1.14%) for 2 years from completion. The pay rate will not go below a floor of 1.89%. 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date. 4.99%
our current RMVR a variable rate for the remainder of the term
4.3% APRC 0.5% for 2 years from completion 75% Application:£0
Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £195,000 payable over 23 years 9 months on our variable tracker rate for 2 years at 1.89% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £848.92 and 36 monthly payments of £1,041.28 and 224 monthly payments of £1,128.81 followed by a final payment of £792.80. The total amount payable would be £311,506.40 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Base Rate Tracker Mortgage Standard Fee for Purchases & Remortgages 1.78% Variable (BoEBR + 1.03%) for 2 years from completion. The pay rate will not go below a floor of 1.78%. 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date. 4.99%
our current RMVR a variable rate for the remainder of the term
4.3% APRC None 75% Application:£0
Completion:£995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £230,000 payable over 25 years 3 months on our variable tracker rate for 2 years at 1.78% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £946.33 and 36 monthly payments of £1,189.00 and 242 monthly payments of £1,295.89 followed by a final payment of £858.22. The total amount payable would be £379,979.52 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Base Rate Tracker No Fee for Purchases & Remortgages 1.94% Variable (BoEBR + 1.19%) for 2 years from completion. The pay rate will not go below a floor of 1.94%. 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date. 4.99%
our current RMVR a variable rate for the remainder of the term
4.3% APRC 0.5% for 2 years from completion 80% Application:£0
Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £190,000 payable over 24 years 10 months on our variable tracker rate for 2 years at 1.94% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £803.44 and 36 monthly payments of £988.75 and 237 monthly payments of £1,076.05 followed by a final payment of £723.12. The total amount payable would be £310,624.53 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Base Rate Tracker Mortgage No Fee for Purchases & Remortgages 2.13% Variable (BoEBR + 1.38%) for 2 years from completion. The pay rate will not go below a floor of 2.13%. 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date. 4.99%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 0.5% for 2 years from completion 85% Application:£0
Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £190,000 payable over 27 years 9 months on our variable tracker rate for 2 years at 2.13% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £755.48 and 36 monthly payments of £930.58 and 272 monthly payments of £1,023.03 followed by a final payment of £603.35. The total amount payable would be £330,499.91 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Base Rate Tracker Mortgage Standard Fee for Purchases & Remortgages 1.97% Variable (BoEBR + 1.22%) for 2 years from completion. The pay rate will not go below a floor of 1.97%. 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date. 4.99%
our current RMVR a variable rate for the remainder of the term
4.4% APRC None 85% Application:£0
Completion:£995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £310,000 payable over 28 years 2 months on our variable tracker rate for 2 years at 1.97% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £1,198.86 and 36 monthly payments of £1,508.99 and 277 monthly payments of £1,661.22 followed by a final payment of £957.92. The total amount payable would be £544,212.14 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Base Rate Tracker Mortgage No Fee for Purchases & Remortgages 2.32% Variable (BoEBR + 1.57%) for 2 years from completion. The pay rate will not go below a floor of 2.32%. 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date. 4.99%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 0.5% for 2 years from completion 90% Application:£0
Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £165,000 payable over 27 years 4 months on our variable tracker rate for 2 years at 2.32% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £679.18 and 36 monthly payments of £816.05 and 267 monthly payments of £895.87 followed by a final payment of £534.88. The total amount payable would be £285,410.29 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Base Rate Tracker Mortgage Standard Fee for Purchases & Remortgages 2.24% Variable (BoEBR + 1.49%) for 2 years from completion. The pay rate will not go below a floor of 2.24%. 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date. 4.99%
our current RMVR a variable rate for the remainder of the term
4.5% APRC None 90% Application:£0
Completion:£995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £275,000 payable over 29 years 3 months on our variable tracker rate for 2 years at 2.24% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £1,071.79 and 36 monthly payments of £1,315.59 and 290 monthly payments of £1,453.49 followed by a final payment of £791.02. The total amount payable would be £495,387.32 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Base Rate Tracker Mortgage Low Fee for Purchases 2.99% Variable (BoEBR + 2.24%) for 2 years from completion. The pay rate will not go below a floor of 2.99%. 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date. 4.99%
our current RMVR a variable rate for the remainder of the term
4.5% APRC None 95% Application:£0
Completion:£495
Find out more
The APRC is calculated based on the following: A repayment mortgage of £250,000 payable over 25 years 7 months on our variable tracker rate for 2 years at 2.99% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £1,167.27 and 36 monthly payments of £1,292.27 and 246 monthly payments of £1,410.11 followed by a final payment of £919.25. The total amount payable would be £422,342.51 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Base Rate Tracker Mortgage No Fee for Purchases 3.09% Variable (BoEBR + 2.34%) for 2 years from completion. The pay rate will not go below a floor of 3.09%. 3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date. 4.99%
our current RMVR a variable rate for the remainder of the term
4.5% APRC 0.5% for 2 years from completion 95% Application:£0
Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £175,000 payable over 23 years 11 months on our variable tracker rate for 2 years at 3.09% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £862.29 and 36 monthly payments of £939.72 and 226 monthly payments of £1,019.31 followed by a final payment of £714.47. The total amount payable would be £285,603.41 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.

Once the fixed, discount or tracker period of the mortgage ends it will change to the Residential Mortgage Variable Rate (RMVR) or if you have a Buy to Let Mortgage, the Buy to Let Variable Rate (BMVR), which is a different interest rate to the Society's Residential Standard Variable Rate (RSVR), although both are set by the Society. For further details see our Skipton Variable Rates page.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS. IF YOU HAVE A BUY TO LET MORTGAGE AND YOU FAIL TO KEEP UP WITH THE PAYMENTS ON YOUR MORTGAGE A 'RECEIVER OF RENT' MAY BE APPOINTED AND/OR YOUR RENTAL PROPERTY MAY BE REPOSSESSED.
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