Mortgage Submission
What is required
To submit a mortgage application to the Society please ensure you have enclosed the following documentation, this will ensure your client's application proceeds without delay:
Residential Applications (All applications excluding Buy to Let and Additional Loans)
| |
Application Score |
| Pass |
Refer |
Fail |
| Signed Application Form (inc DD) |
 |
|
|
| Payslips |
Latest (1 full) Month |
Latest (1 full) Month |
Latest (1 full) Month |
| Latest P60 |
Latest P60 - required only if using other income in addition to basic income |
| Accounts |
Latest 2 years accounts or SA302's |
| Bank Statements |
Latest (1 full) Month |
Latest 3 Months |
Latest 3 Months |
*Please ensure you capture the clients DD details for entry on our online application form or paper application if case does not meet our online requirements.
Please note - Originals of the above must be copied by yourself as a Skipton Intermediary. Please also include:
- Valuation fee (see mortgage criteria for amount).
- Application fee.
- Date of entry (Scotland only).
- Confirmation from one reputable letting agents of potential rent (buy-to-let cases).
- The fully completed and signed mortgage application form.
- For guarantor applications, the guarantor must supply the same applicable supporting documentation.
How to submit
Applications must be sent online using our eMortgage system, exceptions being; applications in 3-4 names, guarantors, or clients with less than 3 years address history.
For eMortgage submission all documents must be sent within 24 hours of application. Please use one of the following methods:
- Scan and upload – found under my case > view summary and documents once application is submitted. Note – This is our preferred method
- Email to MSCAdvisors@skipton.co.uk (case sensitive) quoting the account number
- Fax to 0845 366 1092 quoting the account number
Please note we can only accept documentation by fax, paper applications must be posted.
The e-declaration can be found in advance of application on eMortgages under My Tools and if your client has 2 or more BTL properties in the background an asset and liability statement will be required. This can be found under My Tools > Form download.
Please ensure an online Decision in Principle (DIP) has been performed in advance of application as this will detail your documentation requirements. A paper DIP can be found here. This is for guarantor or multiple applicants only.
All applications must then be sent to the Skipton Principal Office Mortgage Service Centre as detailed below:
For cases in 3-4 names, guarantors or clients with less than 3 years address history a paper application must be submitted and sent to the following address with all supporting documentation:
Skipton Building Society
Mortgage Service Centre,
Principal Office,
The Bailey,
Skipton,
North Yorkshire,
BD23 1DN.
Reminder:
In ALL cases can you please remember :
- To complete identification and address verification on the application form.
- Ensure highlighted signature boxes are completed
- Ensure the Direct Debit form is always fully completed.