We've collated a list of our most frequently asked questions so if you have a query or a question you might be able to find the answer below.
Submitting Cases
Our eMortgage system is available between 7am-10pm Monday to Friday, 7am-7pm Saturday and 10am-7pm Sunday. Availability may be interrupted from time to time for reasons outside of our control and therefore can’t be guaranteed.
There is online help within eMortgages. If you are still unable to resolve a query, please contact our Broker Support team on 0345 601 6683. The team is available between the hours of 8.30am-6pm Monday to Thursday and 8am-5.30pm Friday.
Once you have submitted your application on eMortgages you will be shown a list of supporting documents required specifically for your case under the heading 'Outstanding Items'. Only the documents shown on this list should be uploaded. Please do this as soon as possible as this will enable your case to be underwritten. If your case is submitted correctly packaged it will mean that it can be fully underwritten within our service levels, providing a quick and efficient service for you and your client.
No, you will need to register.
If you have submitted a DIP and have realised you need to amend something that has been entered, there will be an option to Copy under DIP on the Case Details page. However, if you wish to change the name of an applicant you will need to call 0345 601 6683.
Yes, you can now submit an application for Additional Borrowing on eMortgages. For more information, please visit our Additional Borrowing page.
Tools and Criteria
Yes, we have our Affordability Calculator you can use.
The calculator is suitable for residential applications only. If your client is looking for a Buy to Let mortgage, then you can use our Buy to Let calculator.
You can find details on our Product Transfers page.
Our A-Z Lending Criteria Guide contains the most up to date details of all of our lending criteria.
Fees and Payments
You can find details on our Fees page.
You can find a summary on our Procuration Fees page.
If you are not aware of the gross procuration fee payable either contact your mortgage club/network or call Broker Support on 0345 601 6683.
The first mortgage payment date occasionally causes confusion. The information below will help your client understand when the first payment will be taken.
Key points
- Skipton monthly mortgage payments are due in advance, not in arrears
- Funds for completion are sometimes released to the conveyancer a day before completion if the conveyancer requests it. We count the day the funds are released as completion for the purpose of charging interest (not the legal completion date of a purchase or a remortgage). The conveyancer should let your client know if they are requesting this
- Your clients' first Direct Debit payment will be due on the first day of the month following release of funds and will be taken shortly afterwards
- If release of funds takes place on the last day of the month, the first payment is due the following day
- Payments by Direct Debit will be taken on the third working day after the payment due date, but the money needs to be available in the account on the due date.
| Completion date (release of funds) | First payment due |
|---|---|
| 1-31 January | 1 February |
| 1-29 February | 1 March |
| 1-31 March | 1 April |
| 1-30 April | 1 May |
| 1-31 May | 1 June |
| 1-30 June | 1 July |
| 1-31 July | 1 August |
| 1-31 August | 1 September |
| 1-30 September | 1 October |
| 1-31 October | 1 November |
| 1-30 November | 1 December |
| 1-31 December | 1 January |