First Time Buyers

Helping people to have a home was our founding purpose in 1853 and getting keys into the hands of more First Time Buyers remains at the heart of what we do today.

Lowering the ladder on our first time buyer range

With all the challenges facing first time buyers, we felt it was time to act, to bring the ladder closer to your clients and remove some of the upfront costs and barriers that stand in their way.

That’s why we've introduced our first time buyer range, a selection of products and offers designed to give your clients more opportunity to realise their dream of home-ownership.

• £1,500 cashback* on selected products.
• Up to 5.5x loan to income on up to 90%.
• Extra £250 cashback for Skipton Lifetime ISA customers. (Terms and conditions apply.)
• Up to 40 year terms available.
• Income Booster.
• Free standard valuation for mortgage purposes.
• No completion fee.
• Up to 95% LTV (including new build houses and flats).
• Fixed rate options.
• Discounted home surveys by Connells.

*The £1,500 cashback is only on selected products, and you need to have a minimum loan requirement of £125,000. Cashback is paid following the completion of your home purchase.

More Options for first time buyers

• Our Track Record mortgage offers first time buyers with a track record of paying rent for up to 100% LTV, to help them into their first home.
• Joint Borrower Sole Proprietor mortgages - we allow up to 4 applicants and supporting borrowers don't have to be related to the main applicant to qualify.
• Products available for major government schemes including First Homes England and Shared Ownership.

If you want to work with a lender who makes things easier, speak to your local Skipton Building Society for Intermediaries BDM today.