Mortgages. Made. Easier.
Tight deadlines. Shifting goalposts. Policy changes galore. If the really satisfying parts of being a mortgage broker didn’t exist, you’d wonder why anyone does it. So instead of making big, bold statements and promising the world, we stick to the basics: we do our job with a view to helping you enjoy doing yours.
That starts with taking a common sense, straightforward approach to lending. Doing the really simple stuff like listening to brokers, and their clients, and acting on their feedback. When you place a case with us, you’re getting:
Underwriting
- access to our underwriting team if you need it
- any extra documents requested at initial underwrite reviewed within a target time of 24 hours.
- support from a network of dedicated BDMs
- a combination of technology and the human touch, so simple cases should fly through and more complicated cases get the attention they need
- clear, timely communications.
- support via web chat, phone, email, video call, X (formerly Twitter) for general queries, case updates and new enquiries.
How lending should be
“Our approach represents all those times you’ve worked with a lender and needed to speak to an underwriter but couldn’t, or had a decision from a computer when a person would have been better. They’re small things that make a big difference, and this outlines the practical steps we’re taking to make things faster, better and easier for you and your clients.”Paul Fenn, Director of Business Development, Skipton Building Society.
Skipton Building Society for Intermediaries
Skipton Building Society has been helping people buy homes since 1853. The vast majority of the Society’s lending is done through intermediaries like you – because we believe you’re well placed to know your clients and understand their needs. We’re here to lay the foundations to help you create more home owners.Good-to-know
Minimum SubmissionProviding a fully packaged case first time will improve the time to offer and help out their underwriters.
** PLEASE NOTE – Skipton have invested in Auto Income Verification technology and therefore the items below may not always be required. Please only send documents requested in your DIP approved e-mail **
Here’s a checklist of everything Skipton will need:
- Latest P60 (if using additional income).
- Latest month’s payslip (if employed).
- Latest full month’s bank statement showing salary credit (also rental income if BTL).
- Accountant’s Certificate (preferable) OR latest two years’ full signed accounts OR two years’ SA302s and one year of accounts (if self-employed).
- Any other fees your client has opted to pay up front.
- Evidence of retirement income, if the term takes your client into retirement.
Useful links
Products – choose from a range of Skipton mortgage products for your clients.
Our Products | Skipton Building Society for Intermediaries (skipton-intermediaries.co.uk)
Lending criteria – view lending criteria to assess client suitability.
A-Z Lending Criteria | Skipton Building Society for Intermediaries (skipton-intermediaries.co.uk)
Literature – download useful literature and forms.
Guides & Forms | Skipton Building Society for Intermediaries (skipton-intermediaries.co.uk)
Visit Contact Us | Skipton Building Society for Intermediaries (skipton-intermediaries.co.uk)
Intermediary use only
Skipton Building Society is a member of the Building Societies Association. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under registration number 153706, for accepting deposits, advising on and arranging mortgages and providing Restricted financial advice. Principal Office, The Bailey, Skipton, North Yorkshire, BD23 1DN
Proc Fees
| Product | Gross | Net | Gross Min | Gross Max |
|---|---|---|---|---|
| Residential* | 0.40% | 0.37% | £100 | No Max |
| BTL* | 0.50% | 0.45% | £100 | £5.000 (£4,500 Net) |
| Residential Retention | 0.30% | 0.28% | ||
| BTL Retention | 0.35% | 0.32% | ||
| Shared Ownership* | 0.45% | 0.41% |
Links
- Welcome to Skipton Guide
- Why choose Skipton?
- Affordability Calculator
- Products
- Application Guides & Forms
- Lending Criteria
- Acceptable Documents Table
- Minimum Submission
- New Build Proposition
How to Register
Registering for the first time:
Please click here to register to submit business.Add Paradigm as payment route:
Put Paradigm as your mortgage club on your next application.* The minimum loan amount to earn a proc fee for a purchase or re-mortgage new application to Skipton is £25,000.
THIS SITE IS FOR PROFESSIONAL INTERMEDIARY USE ONLY AND NOT FOR USE BY THE GENERAL PUBLIC.
Useful Links
Paradigm Mortgage Services LLP
Office address: 1310 Solihull Parkway, Birmingham Business Park, Birmingham B37 7YB
Registered in England and Wales. Company No: OC323403. Registered Office: Paradigm House, Brooke Court, Lower Meadow Road, Wilmslow, SK9 3ND
Paradigm Mortgage Services LLP is a Limited Liability Partnership.