Can a broker do a product transfer with Skipton Building Society?

Yes, we can arrange a product transfer with Skipton Building Society on your behalf. We do all the heavy lifting and compare the offered product with relevant alternatives available through our comprehensive panel.

Is it cheaper to stay with Skipton or remortgage?

It depends on your current loan-to-value, credit score, and market conditions. A product transfer may avoid legal and valuation fees, depending on the lender and product, but another lender might offer a significantly lower interest rate. We'll crunch the numbers for you.

How long does a Skipton Building Society mortgage application take?

Application times vary depending on complexity and lender backlog, but typically a product transfer is instant or takes a few days, while a new application can take 2-4 weeks. We track it constantly to speed things up.

Skipton Building Society Mortgages & Transfers

We have access to Skipton Building Society's mortgage products available through our panel, including exclusive deals and product transfers for existing customers. We compare them against our comprehensive lender panel.

Getting a Mortgage with Skipton Building Society

Known for innovative products like their 100% Track Record mortgage for renters, Skipton Building Society offers a competitive range of residential products. If you're an existing customer, we can secure a Skipton product transfer (rate switch) for you, often with no legal fees or valuation needed. But before you lock in, we'll check if another lender could save you more money.

Review of Skipton Building Society mortgage products available through our panel
Hassle-free product transfers for existing customers
We compare Skipton against 80+ other UK lenders
Full management of your application from start to finish
free initial mortgage advice

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Tell us about the property

Estimates are fine — we'll refine the numbers together.

Property Value (£) *

Deposit Amount (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

Skipton Building Society Product Transfers

If your current Skipton Building Society mortgage deal is coming to an end, you might be offered a product transfer. This is a quick way to secure a new rate without a full remortgage. We can arrange this for you while also checking if switching to a new lender would be cheaper.

First-Time Buyers & 100% Mortgages

Skipton Building Society provides unique options for those buying a property, including their famous 100% LTV Track Record mortgage for current renters. We can help you navigate their requirements and prepare an application that reflects your circumstances.

Why Use a Broker for Skipton?

Going direct means you only see one society's products. By using us, you get access to Skipton's deals plus our comprehensive panel of 80+ lenders. We handle the paperwork, chase the lender, and help you assess the costs and suitability of the available options.

Skipton Building Society at a glance

Established 1853. Headquartered in Skipton, North Yorkshire. FCA firm reference number 153706.

Specialties

Track Record Mortgage — 100% LTV for renters
Standard residential and BTL
Later-life lending
Holiday-let mortgages

Lending criteria highlights

Min income: £20,000
Max LTV: 100% (Track Record only), otherwise 95%
Max age at term end: 85 (residential)
Self-employed: 2 years' accounts

Where Skipton Building Society shines

One of the only UK lenders offering true 100% LTV for renters
Mutual — Loyalty benefits for savers/borrowers
Manual underwriting on complex cases

Watch-outs

Track Record only available to renters with clean 12-month history
Smaller intermediary tech than big banks

Criteria provenance

Source: Skipton Building Society lender or intermediary information, FCA Register records and adviser research

Skipton Building Society does not publish an explicit position on every point covered here. Where that is the case, the guidance reflects our adviser experience and should be confirmed with the lender before application.

Sources & further reading

These links include lender or intermediary information, background reading and FCA Register records. A general lender page does not substantiate every criterion above. Check current criteria before applying. You can independently verify lender authorisation on the FCA Financial Services Register.

Skipton Building Society Mortgages & Transfers — FAQs

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Get Free Expert Advice

Your initial mortgage consultation is free with no obligation. If you decide to proceed with an application, a broker fee may apply depending on the complexity of your case — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). The exact amount is explained and agreed in writing before any chargeable work begins. Lenders may also pay us a procuration fee on completion.

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