Skipton mortgage customer ratings

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.