We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies. You can understand more and change your cookies preferences here.

Skipton Building Society mortgage review

Our Skipton Building Society mortgage review combines customer feedback with expert deal analysis to reveal whether the lender is worth considering next time you apply for a mortgage.

In this article
Skipton mortgage customer ratings What kinds of mortgages does Skipton offer? Does Skipton offer the best mortgage deals? Interest rates on Skipton mortgages
How much could I borrow from Skipton? Can I make overpayments? How can I contact Skipton Building Society?

Skipton mortgage customer ratings

Skipton BS review
Which? Customer Score
3rd out of 16 mortgage lenders
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Become a member to see more scores
  • Unlock more money saving tips.
  • Get access to new money reviews
  • See the best mortgages available to you
£3.99 for first month then £7.99 per month cancel anytime


Skipton Building Society is based in North Yorkshire, and offers mortgages on homes across Great Britain. 

When we surveyed its customers in July 2021, they gave it five out of five for the clarity of its mortgage statements. Unfortunately, as Skipton is a comparatively small lender, we didn't get big enough sample sizes to calculate star ratings on any other measures.

What kinds of mortgages does Skipton offer?

When we checked in September 2021, there were 67 mortgages available from Skipton. All of these deals were fixed-rate - meaning your interest rate will stay the same for a set initial period.

Skipton's mortgages came with a initial period of either two, three, five or 10 years.


Does Skipton offer the best mortgage deals?

Our experts analysed hundreds of mortgages over a four-week period in July and August 2021. They compiled a total of 206 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average number of times a lender made it into a table was 24, but Skipton didn't feature at all, meaning it didn't offer market-leading rates in any of our scenarios. (Data source: Moneyfacts.)

Interest rates on Skipton mortgages

In September 2021, the average rate on a two-year fixed-rate mortgage from Skipton was 1.95%, compared to the overall market average of 2.38%.

How much could I borrow from Skipton?

Skipton will lend to first-time buyers, home movers and remortgagers at 60%, 70%, 75%, 80%, 85%, 90% and 95% loan-to-value

Skipton will lend between 4.45 and 4.75 times the borrower's annual earnings, depending on which deal they apply for.

Can I make overpayments?

Skipton's deals allow you to overpay up to 10% of the mortgage balance each year. 

How can I contact Skipton Building Society?

Skipton's mortgages are available directly from the lender and through mortgage brokers.

Skipton can be contacted on 0345 850 1711.

Its website is skipton.co.uk.