28 April 2026
When you need to move fast, what you don’t need are blockers. Like lenders with rigid criteria, inflexible products, slow service, and the classic “computer says no”.
We understand what you do need:
- A lender that understands the pressures facing your clients – and offers you options that keep pace with the fast-changing world.
- Common-sense lending that factors in personal situations.
- Quick access to experts.
- Someone who’s on your side.
Most of all, you need someone who says:
Let’s find a way.
Our three broker promises
1. Innovation that breaks barriers
The mortgage industry is becoming more automated. It helps you in so many ways, like getting you faster decisions on your cases. But sometimes, you just need to speak to someone. Especially when you’re dealing with a complex client situation, and you want to quickly speak to an expert.
That’s why Skipton puts innovation and the personal touch at the centre of our intermediary mortgage service. You get faster decisions, clearer answers, and support you won’t always find elsewhere. So you can help more of your clients have a place they can call home.
We stay close to the challenges real buyers face. And as affordability pressures grow, we’ve developed innovative solutions that can help you find a way.
That’s why we launched the UK’s first Track Record mortgage (a 100% LTV offering) and Delayed Start mortgages. We also offer an Income Booster mortgage to help family and friends support would-be homeowners.
These and other products are designed to open doors for people who simply need a different way forward.
And we don’t stop there.
Because it’s not just about big answers. It’s unlocking small innovations that quickly add up.
Things like improving our LTIs for first-time buyers, revamping our new build lending criteria, and adding flexibility to our mortgage range.
2. Common-sense lending
We’re here to help you get to “yes”.
And we do it with human expertise and flexible thinking.
Our dedicated BDMs are available and can speak directly with underwriters who make decisions based on common sense, not rigid checklists. That’s invaluable when you’re navigating grey areas or managing a complex case under pressure.
We combine the human approach with flexible criteria, higher-LTV options, and innovative affordability solutions for all sorts of circumstances.
Situations like:
- Little or no deposit
- Self-employed
- Poor credit
- Taking the next step on the property ladder
Whatever challenge your client brings to you, let’s talk about the options we could offer.
Plus the simple stuff that makes your life easier – web chat six days a week, fast turnaround times and streamlined processes.
Because when strict systems lead to flat “nos,” we’ll work with you to find a way to say “yes.”
3. We champion you
We want to build a partnership that lasts. And that means doing more than supporting your clients.
It’s means supporting you.
Because we lead the Skipton Group^, we have access to rich housing market insights from organisations like Connells – giving you an extra edge when you’re supporting your clients.
We also drive industry progress – advocating for fair, modern affordability rules and using our Skipton Group Home Affordability Index to push for meaningful change with policymakers and politicians.
We’re also here to support you in other ways. Through mentoring and coaching, Skipton Talks videos, and insights from across the industry, we help you grow professionally and stay one step ahead.
Your success drives our success. And we want to help you achieve even more.
Everything we do comes back to one purpose
To help more people have a place to call home – fairly, with innovative thinking, and with human understanding.
And because that’s your purpose too, let’s work together to make more of your clients happy.
Let’s find a way.
^ Skipton Group is led by Skipton Building Society. The Group is made up of different organisations which offer a variety of products and services.
The Skipton Group Home Affordability Index is not a benchmark for the purposes of UK Benchmark Regulation, nor for the purposes of any other legislation or regulation. The Skipton Group Home Affordability Index is produced for information purposes only and must not be used or relied upon for commercial purposes including any decisions and/or advice. Skipton Building Society is not responsible for any decisions made based on this information.
