Frequently Asked Questions

To upload documents on eMortgages select the case on the homepage you would like to upload the documents for. When on the Case Details screen, to the right of FMA is View Summary and Documents. Select that, scroll down and there is a section titled Documents. Under there you are able to select the type of document you are uploading and browse your computer to select the document you have already scanned and saved locally on your computer. Once you have done that it can take a while to show as uploaded.

Once you have submitted your application on eMortgages you will be shown a list of supporting documents required specifically for your case under the heading 'Outstanding Items'. Only the documents shown on this list should be uploaded. Please do this as soon as possible as this will enable your case to be underwritten. If your case is submitted correctly packaged it will mean that it can be fully underwritten within our service levels, providing a quick and efficient service for you and your client.

No, you will need to register.

The Mortgage Illustration is valid for the day of issue only.

The DIP is valid for 30 days.

If you have submitted a DIP and have realised you need to amend something that has been entered, there will be an option to Copy under DIP on the Case Details page. However, if you wish to change the name of an applicant you will need to call 0345 601 6683.

Yes, you can now submit an application for Additional Borrowing on eMortgages. For more information, please visit our Additional Borrowing page.

Only cases that are received online, together with all supporting documentation will be deemed to have booked funds.

It’s easy to change the product on a submitted case, simply log into eMortgages and attach a memo to the case advising us of the new product code you require. Alternatively, you can email the new product code to Mscadvisors@skipton.co.uk.

We will then action your request within 48 hours.

You will need to log into eMortgages and cancel the existing product transfer, you will then be able to re-submit the product transfer request with the new product code.

You can also email the details to customerdeliveryretentionrequest@skipton.co.uk, we will cancel the existing product transfer for you within a day and you can then re-submit the product transfer request with the new product code using eMortgages.

There may be some cases, such as accounts with different maturity dates or additional requirements, where you are unable to cancel the product transfer, and you will receive an error message. In these instances, please call our Broker Support Team on 0345 601 6683 and they will be happy to help.

Our A-Z Lending Criteria guide contains the most up to date details of all of our lending criteria.

We aim to pay procuration fee payments to your network or mortgage club within 2 weeks of completion.

The first mortgage payment date occasionally causes confusion. The information below will help your client understand when the first payment will be taken.

Key points

• Skipton monthly mortgage payments are due in advance, not in arrears.
• Funds for completion are sometimes released to the conveyancer a day before completion if the conveyancer requests it. We count the day the funds are released as completion for the purpose of charging interest (not the legal completion date of a purchase or a remortgage). The conveyancer should let your client know if they are requesting this.
• Your clients' first Direct Debit payment will be due on the first day of the month following release of funds and will be taken shortly afterwards.
• If release of funds takes place on the last day of the month, the first payment is due the following day.
• Payments by Direct Debit will be taken on the third working day after the payment due date, but the money needs to be available in the account on the due date.