Mortgages

Skipton Building Society Mortgages

Access competitive mortgage products from one of Yorkshire's largest and most established building societies, with expert guidance from Doulton Bridging Finance.

Major Building Society

Yorkshire heritage, nationwide reach

Founded in 1853, Skipton Building Society has grown into one of the UK's largest building societies with over £28 billion in assets. As a mutual organisation, Skipton exists to serve its members rather than shareholders, which translates into consistently competitive mortgage rates and fair lending criteria.

Through Doulton Bridging Finance, you can access Skipton's full mortgage range including broker-exclusive products. Whether you are buying your first home, moving up the ladder, or investing in buy-to-let property, we help you secure the right Skipton product at the best available terms.

1853

Established

£28bn+

Total Assets

Mutual

Member-Owned

UK-Wide

Lending Coverage

Why Doulton

Skipton mortgage expertise

Competitive Fixed Rates

Skipton Building Society consistently offers some of the most competitive fixed-rate mortgage deals in the market, with options spanning two, three, and five-year terms to suit your planning horizon.

First-Time Buyer Support

Dedicated mortgage products for first-time buyers with lower deposit requirements and preferential rates designed to help new purchasers step onto the property ladder.

Flexible Overpayment Options

Make overpayments of up to 10% of your outstanding balance each year without incurring early repayment charges, helping you reduce your mortgage term and total interest paid.

Remortgage Deals

Attractive remortgage products with free standard valuations and cashback options, making it straightforward to switch your existing mortgage to Skipton for better terms.

Buy-to-Let Lending

A comprehensive buy-to-let range for landlords, including products for portfolio investors and limited company purchases, with competitive rental coverage ratios.

Broker-Exclusive Products

Through Doulton Bridging Finance, access broker-exclusive Skipton products not available directly to the public, often with enhanced rates and reduced fees.

The Process

How it works

Mortgage Review

We assess your financial situation and property goals to determine whether Skipton Building Society products are the best fit for your needs.

Product Selection

We compare Skipton's full product range, including broker-exclusive deals, to identify the mortgage offering the best combination of rate, fees, and flexibility.

Application Support

We prepare and submit your application to Skipton, managing the process through underwriting and valuation to keep everything on track.

Completion

We coordinate with Skipton and your solicitor to bring your mortgage to completion smoothly, keeping you informed at every stage.

Explore Skipton Building Society mortgages

Let us find the best Skipton mortgage product for your circumstances. Get expert advice and access broker-exclusive deals today.

Get a Quote Speak to an Advisor

FAQs

Frequently asked questions

Can I get a Skipton Building Society mortgage through Doulton?

Yes. We hold broker agencies with Skipton Building Society where available and can access their intermediary product range. Where Skipton Building Society is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.

Why apply to Skipton Building Society via a broker rather than direct?

Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Skipton Building Society cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does Skipton Building Society offer?

Skipton Building Society's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Skipton Building Society can support today.

What if my application is complex - non-standard income, expat status, adverse credit?

Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.

How long does a mortgage application take?

Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.

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