Skip to main content

Mortgage Hub

Whether you’re a first time buyer, moving to your next home, re-mortgaging or looking for better ways to manage your mortgage, we’re here to help.

Popular mortgage questions

Here are some of the most common questions asked by our customers.

Depending on your mortgage type, there may be restrictions on the maximum amount you can overpay, either by regular overpayments or as a lump sum, in one year without incurring an Early Repayment Charge. You can usually repay a fixed percentage of your original mortgage balance per year without charge. For more details, see your mortgage account summary in the Skipton app or in Skipton Online, or refer to the details in your mortgage offer.

If you are making lump sum overpayments, these may trigger a recalculation of your monthly repayment amount.

Debit card lump sum payment

You can make a lump sum card payment by calling us on 0345 850 1711.

Bank transfer

It is possible to make a bank transfer for an overpayment using the details below:

Sort code - 20-78-91
Account number - 70798924
Reference - Your 9 digit mortgage account number

Please note, if you don’t enter your 9 digit mortgage account number as the reference, the payment will be returned.

Regular Direct Debit overpayment

If you would like to regularly overpay, we can arrange to increase your Direct Debit amount. Simply call us on 0345 850 1711, speak to us on web chat or send us a Secure Message.

Just let us know how much you would like to pay each month and when you’d like this to take place. We can then arrange for the payment to be increased.

Other ways to make regular overpayments

If you would like to make regular overpayments by standing order or debit card payment then call us on 0345 850 1711 to discuss.

If you’ve had a mortgage with us for at least the last 6 months, you may be eligible to borrow up to 90% of the value of your home. This depends on the type of mortgage you hold and is subject to affordability requirements.

You should consider whether other forms of borrowing are more suitable for you, as any money we lend through additional borrowing will be secured against your property and your overall mortgage balance will increase.

To find out more, please visit our additional borrowing page.

Additional Borrowing

If you already pay your mortgage by Direct Debit, you may have noticed that your payment doesn’t always leave your account on the exact due date.

This is because of the time it takes for the Direct Debit to be processed after we have requested the payment and the times when the Direct Debit date falls over a weekend and/or Bank Holiday.

To read more on Direct Debits, visit our Direct Debit mandate and schedule page.

Direct Debit mandate and schedule


You can complete our Direct Debit Mandate form online. Once we receive it, we'll set up the Direct Debit and let you know when it's done.

Direct Debit Mandate

Call us

You can amend a Direct Debit over the phone by calling our Credit Management team on 0345 850 1766, or via web chat.


Download the Direct Debit mandate PDF and return to the address shown in the form.

Direct Debit Mandate [PDF]
  1. We will send you an email to confirm your Decision in Principle has been accepted.
  2. You will have 30 days to have an offer accepted to have an offer accepted on the property you are buying and to book a mortgage appointment with one of our mortgage advisers, who will complete a Full Mortgage Application over the phone or vis video appointment with you.

Get to know your mortgage

New customer icon

New customers

Mortgage tools icon


Pound sign icon

Payments and Charges

Useful documents and forms

Ukraine appeal

The Ukraine appeal

We’ve donated £50,000 to the DEC to help victims of the conflict in Ukraine. Find out more, including details of how you can donate too.

Ukraine appeal
Your home may be repossessed if you do not keep up repayments on your mortgage.

Need more help?

Web chat is often the quickest and easiest way to get in touch but we’re also here to support you over the phone and in your local branch.

We'll call you

Complete our online form and we will call you back.

Call us

Speak to our mortgages team today.

Visit us in branch

Come and see us at any of our branches.

Version Info: