For first time buyers, it's all about the numbers.

Your new go-to mortgage provider for first time buyers. And here are the reasons why:

A new product range with cashback options

We’ve created a new range of products with first time buyers in mind. Including 1% cashback products and £1,000 cashback products (cashback paid after completion). You can view our product range here.

95% LTV mortgages

We recognise it can be a struggle for first time buyers to save a deposit. Our 95% LTV could help them on to the property ladder quicker.

Lifetime ISA

We're offering Skipton Lifetime ISA customers buying their first home an additional £250 cashback on any mortgage. Our Lifetime ISA guide covers what you need to know about using Lifetime ISA savings to buy a first home.

Help to Buy products

If your client has a Government Help to Buy equity loan, as well as our Help to Buy exclusive range they also have access to our core range products for both purchases and remortgages. You can find out more about these on our product range page.

Shared Ownership mortgage range

As Shared Ownership becomes more and more popular, our dedicated range of products give your clients more choice. You can find out more on our Shared Ownership page.

Up to 90% LTV on apartments

Apartments can be a firm favourite for first time buyers, especially in city centre locations. To find out more about our products with high LTVs, visit our product range page.

Gifted deposits accepted

We recognise one of the most challenging parts for your client when buying their first home is saving enough money for a deposit. Due to this, we accept gifted deposits (UK funds only) as part contribution or in full. We'll need a completed gifted deposit declaration form at application stage.

Tried and tested affordability assessment

You can check your client's affordability using our purpose built residential affordabilty calculator.

No maximum loan cap

We've removed our maximum loan restrictions specific to first time buyers. You can find out more about our maximum loan amounts by visiting our A-Z lending criteria.

Lowered continuous employment criteria

We now only require six months continuous employment when taking out a mortgage.

An easier DIP process - Now available!

Our online DIP now uses a soft credit search. The hard credit search now only occurs at full mortgage application stage.

Direct access to our underwriters

Sometimes you need a question answering quickly, that's why we give you direct access to our underwriters when you need it.

5 stars for service

We've been awarded 5 stars for service for four years in a row by the Financial Adviser Service Awards. You can find out more about how we achieved this by looking at our awards page.

Our pledge to first time buyers

We believe in Real Life Lending for all. This means we treat each first time buyer fairly and with a positive approach, which enables us to be more flexible than ever.

You can find out more on our Real Life Lending page.

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Submit new or manage existing applications on our online mortgage system.

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Product range

Take a look at our range of mortgages designed with first time buyers in mind.

Product range

We have a range of tools including our affordability and monthly payments calculators.

Go to calculators
Opening hours

Our phone lines are open 8am-8pm Monday to Thursday, 8am-5.30pm Friday and 9am-12pm Saturday.

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