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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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Skipton Building Society is the fourth-largest building society in the UK and offers a range of mortgages for first-time buyers, home movers and those remortgaging.
Here, you can find out what real Skipton Building Society mortgage customers thought about its service, what our expert analysis uncovered about its range of deals and the best Skipton Building Society mortgage rates on the market right now.
Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our Skipton mortgage review
Real Skipton customer views
We've asked 53 Skipton Building Society mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Skipton's mortgage rates to work out if it's a lender that offers competitive deals.
It is one of three building societies to achieve the top customer score of 80%. Customers highly rated the clarity of mortgage statements and online access. It missed out on WRP status as it did not meet our interest rate requirements.
80%
out of 21 mortgage lenders ranked on customer score (joint first)
To see how Skipton compares to other mortgage providers, head to our guide to the best mortgage lenders.
Which? analysed thousands of mortgages, using Moneyfacts data, over eight weeks in the summer/autumn of 2025. We compiled a series of top 10 cheapest deals tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.
The average was five table appearances per week. While Skipton Building Society averaged just 2.3 appearances per week, placing it 15th in our analysis. This means that, in most cases, other mortgage lenders offered more competitive rates during our analysis.
You can see the mortgages Skipton is currently offering for first-time buyers, homemovers and remortgagers in the tables below.
To see how Skipton compares with other mortgage providers, head to our guide to the best mortgage rates and deals, which is updated every day.
| 80% | Skipton Building Society | 80% | 4.32% | £2,995 | 6.54% |
| 80% fee free | Skipton Building Society | 80% | 4.49% | £0 | 6.54% |
| 90% | Skipton Building Society | 80% | 4.44% | £2,995 | 6.54% |
| 90% fee free | Skipton Building Society | 80% | 4.67% | £0 | 6.54% |
| 95% | Skipton Building Society | 80% | 4.84% | £1,295 | 6.54% |
| 95% fee free | Skipton Building Society | 80% | 4.93% | £0 | 6.54% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Skipton had a sample size of 53.
| 60% | Skipton Building Society | 80% | 3.96% | £1,495 | 6.54% |
| 60% fee free | Skipton Building Society | 80% | 4.21% | £0 | 6.54% |
| 75% | Skipton Building Society | 80% | 4.11% | £1,495 | 6.54% |
| 75% fee free | Skipton Building Society | 80% | 4.31% | £0 | 6.54% |
| 85% | Skipton Building Society | 80% | 4.24% | £1,495 | 6.54% |
| 85% fee free | Skipton Building Society | 80% | 4.48% | £0 | 6.54% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Skipton had a sample size of 53.
| 60% | Skipton Building Society | 80% | 3.99% | £1,495 | 6.54% |
| 60% fee free | Skipton Building Society | 80% | 4.28% | £0 | 6.54% |
| 70% | Skipton Building Society | 80% | 4.14% | £1,495 | 6.54% |
| 70% fee free | Skipton Building Society | 80% | 4.39% | £0 | 6.54% |
| 80% | Skipton Building Society | 80% | 4.26% | £1,495 | 6.54% |
| 80% fee free | Skipton Building Society | 80% | 4.53% | £0 | 6.54% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Skipton had a sample size of 53.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked Skipton mortgage customers about their experience with the lender.
Here's how customers rated Skipton in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. The sample size for Skipton is 53.
'They were brilliant when I lost my job and gave me a payment holiday to get my benefits sorted.'
Alongside customer scores and star ratings, we also gathered feedback from Skipton’s customers.
Most comments were positive. Customers described Skipton as 'very easy to deal with and transparent' and praised its 'excellent customer service.'
Several responses also highlighted the support offered during difficult times. One customer told us: 'They were brilliant when I lost my job and gave me a payment holiday to get my benefits sorted.'
When we checked in September 2025, there were 75 mortgages available from Skipton. Most were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
Skipton mortgages had initial periods of two, three or five years.
A smaller number of mortgages offered by Skipton were tracker deals, with initial terms lasting two years before reverting to Skipton’s standard variable rate.
Using Skipton's affordability calculator, we found that someone with a salary of £50,000 could borrow 5.5x their salary.
We found that a couple, both with a salary of £50,000, could borrow 5.5x their combined salary.
Currently, Skipton Building Society doesn’t offer preferential rates for energy-efficient homes.
It does offer additional borrowing for energy-efficient home improvements. At least 50% of the loan must be spent on energy-efficient home improvements such as solar panels, insulating the property or new windows and doors. You can borrow between £5,000 and £50,000.
All of Skipton’s mortgages allow a maximum term length of 40 years.
Why should you trust Which? research? We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence
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