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Skipton Building Society

With a heritage dating back to the mid 19th century, Skipton Building Society's proud history of working with its members and within the wider community helps to set them apart from other lenders. Compare Skipton Building Society mortgages below.

Compare mortgages

Reason for mortgage
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£
years
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Fixed until 31/10/2018
Initial rate
1.09%then 4.74% (variable)
Fees
£2,452fees
Overall cost
4.2%APRC
Monthly cost
£609.54 for 24 months then £886.00 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,617 includes: Loan amount (£160,000); Interest (£99,165); Application fee (£1,995); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.29%then 4.74% (variable)
Fees
£2,452fees
Overall cost
4.2%APRC
Monthly cost
£624.23 for 24 months then £887.60 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,412 includes: Loan amount (£160,000); Interest (£99,960); Application fee (£1,995); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.37%then 4.74% (variable)
Fees
£2,452fees
Overall cost
4.2%APRC
Monthly cost
£630.17 for 24 months then £888.24 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,730 includes: Loan amount (£160,000); Interest (£100,278); Application fee (£1,995); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.4%then 4.74% (variable)
Fees
£1,452fees
Overall cost
4.2%APRC
Monthly cost
£632.41 for 24 months then £888.47 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,849 includes: Loan amount (£160,000); Interest (£100,397); Application fee (£995); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.56%then 4.74% (variable)
Fees
£1,452fees
Overall cost
4.3%APRC
Monthly cost
£644.42 for 24 months then £889.73 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,483 includes: Loan amount (£160,000); Interest (£101,031); Application fee (£995); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.6%then 4.74% (variable)
Fees
£1,452fees
Overall cost
4.3%APRC
Monthly cost
£647.44 for 24 months then £890.04 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,641 includes: Loan amount (£160,000); Interest (£101,189); Application fee (£995); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2019
Initial rate
1.69%then 4.74% (variable)
Fees
£1,452fees
Overall cost
4.0%APRC
Monthly cost
£654.28 for 36 months then £880.44 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £257,442 includes: Loan amount (£160,000); Interest (£95,990); Application fee (£995); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
1.69%then 4.74% (variable)
Fees
£457fees
Overall cost
4.3%APRC
Monthly cost
£654.28 for 24 months then £890.73 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,002 includes: Loan amount (£160,000); Interest (£101,545); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.74%then 4.74% (variable)
Fees
£1,452fees
Overall cost
4.3%APRC
Monthly cost
£658.10 for 24 months then £891.12 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,195 includes: Loan amount (£160,000); Interest (£101,743); Application fee (£995); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2019
Initial rate
1.75%then 4.74% (variable)
Fees
£1,452fees
Overall cost
4.1%APRC
Monthly cost
£658.86 for 36 months then £881.13 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £257,788 includes: Loan amount (£160,000); Interest (£96,336); Application fee (£995); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.81%then 4.74% (variable)
Fees
£1,452fees
Overall cost
4.3%APRC
Monthly cost
£663.46 for 24 months then £891.65 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 85% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,471 includes: Loan amount (£160,000); Interest (£102,019); Application fee (£995); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
1.83%then 4.74% (variable)
Fees
£457fees
Overall cost
4.3%APRC
Monthly cost
£665.00 for 24 months then £891.81 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,555 includes: Loan amount (£160,000); Interest (£102,098); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.84%then 4.74% (variable)
Fees
£457fees
Overall cost
4.3%APRC
Monthly cost
£665.77 for 24 months then £891.88 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,595 includes: Loan amount (£160,000); Interest (£102,138); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2019
Initial rate
1.89%then 4.74% (variable)
Fees
£1,452fees
Overall cost
4.1%APRC
Monthly cost
£669.63 for 36 months then £882.71 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £258,595 includes: Loan amount (£160,000); Interest (£97,143); Application fee (£995); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
1.98%then 4.74% (variable)
Fees
£457fees
Overall cost
4.3%APRC
Monthly cost
£676.61 for 24 months then £892.94 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 70% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,147 includes: Loan amount (£160,000); Interest (£102,690); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
1.99%then 4.74% (variable)
Fees
£457fees
Overall cost
4.3%APRC
Monthly cost
£677.39 for 24 months then £893.01 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,186 includes: Loan amount (£160,000); Interest (£102,729); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
2.02%then 4.74% (variable)
Fees
£457fees
Overall cost
4.4%APRC
Monthly cost
£679.73 for 24 months then £893.24 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,305 includes: Loan amount (£160,000); Interest (£102,848); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
2.09%then 4.94% (variable)
Fees
£2,452fees
Overall cost
4.5%APRC
Monthly cost
£685.20 for 24 months then £910.75 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 85 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £270,265 includes: Loan amount (£160,000); Interest (£107,813); Application fee (£1,995); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2021
Initial rate
2.12%then 4.74% (variable)
Fees
£2,452fees
Overall cost
3.8%APRC
Monthly cost
£687.55 for 60 months then £867.77 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £251,969 includes: Loan amount (£160,000); Interest (£89,517); Application fee (£1,995); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/10/2018
Initial rate
2.12%then 4.74% (variable)
Fees
£457fees
Overall cost
4.4%APRC
Monthly cost
£687.55 for 24 months then £893.99 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/10/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,698 includes: Loan amount (£160,000); Interest (£103,241); Valuation fee (£286); Legal fee (£105); Funds transfer fee (£6); Mortgage discharge fee (£60); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.

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

About Skipton Building Society

As Skipton Building Society is not a bank, it has placed the emphasis in its branding on working closely with its members and the wider community it operates in while paying tribute to its heritage and the people who have helped it achieve the status it has today.

As the name suggests, Skipton Building Society, is not a bank – it's a building society. A question many people frequently ask is: what is the difference between a bank and a building society? 

Quite simply, there are a few differences between banks and building societies but the key one is that the customers of a building society's services, whether it's a savings account or a mortgage, are considered to be members of that building society.

This allows those members the privilege of voting on any new policies that the building society puts forward. Those members may also be entitled to attend meetings and share their input on the direction of the business. 

The board of directors of a building society usually manage the society and how involved the society is in the running of the business – and this leads to another key difference.

Banks are companies and often listed on the stock exchange, answering to shareholders who are seeking to get big returns on their investments and possibly dividend payments. 

Building societies, therefore, have less costs to contend with, and can usually offer their customers more competitive rates on their mortgages and provide higher returns on their savings accounts.

In addition to this, Skipton Building Society contributes to the community through its charitable foundation, which helps various charities, and through its other community partnership schemes, providing support to businesses and local communities.

In keeping up with this tradition and taking it into modern day financial services world, Skipton Building Society uphold their commitment of never putting pressure on their customers into buying any of the products. 

The No Pressure Promise from Skipton Building Society means customers will not be given time limits to make a decision and will be given the support and the information needed to help make the right decision.

Skipton Building Society mortgages

Utilising their experience, which spans three different centuries, Skipton Building Society aim to help customers find the right mortgage for their needs.

Many of Skipton Building Society's mortgages offer competitive rates on a number of fixed and variable deals. Due to the fact that they do not have the same pressure that a bank has, in many cases these rates can be lower than some of the high street banks' mortgages.

Skipton Building Society has a range of mortgages designed to be suitable for first time buyers looking to get onto the property ladder, homeowners looking for a good remortgage deal, as well as home movers and those looking to buy a property as an investment. 

Use our table above to compare mortgages from Skipton Building Society.

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