We've collated a list of our most frequently asked questions so if you have a query or a question you might be able to find the answer below.

What is the availability of the eMortgages system?

Our eMortgage system is available between 7am-10pm Monday to Friday, 7am-7pm Saturday and 10am-7pm Sunday. Availability may be interrupted from time to time for reasons outside of our control and therefore can’t be guaranteed.

Is there an affordability calculator I can use?

Yes, to view click here.

This calculator is suitable for residential applications only. If your client is looking for a Buy to Let mortgage, you can find our Buy to Let calculator here.

Can I get a Mortgage Illustration without being registered with Skipton Intermediaires?

No, you will need to register.

Can I use the Online Services for an Additional Borrowing product?

No, if you require a Mortgage Illustration for Additional Borrowing contact Skipton Intermediaries:

Where can I find information regarding product transfers?

You can find details here.

How long is a Mortgage Illustration valid for?
The Mortgage Illustration is valid for the day of issue only.
Who do I refer to for help with the emortgages system?
There is online help within eMortgages. If you are still unable to resolve a query, please contact Skipton Intermediaries on 0345 601 6683. The team is available between the hours of 8am-8pm Monday to Thursday, 8am-5.30pm Friday and 9am-12pm Saturday.
What fee will I recieve from a regulated mortgage sale?
If you are not aware of the gross procuration fee payable either contact your mortgage club/network or call Skipton Intermediaries on 0345 601 6683.
By submitting cases online does this mean the funds are booked?
Only cases that are received online, together with scanned declaration and all supporting documentation will be deemed to have booked funds.
How long after completion will the procuration fee be paid?
You can usually expect to receive your procuration fee 10 working days after completion, although for some networks and clubs payment is agreed on a monthly basis. If you wish to receive your procuration fees electronically, please ensure you provide your payment details.
When will the first mortgage payment be due?

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.
Completion date (release of funds)   First payment due
1-31 January 1 February
1-29 February 1 March
1-31 March 1 April
1-30 April 1 May
1-31 May 1 June
1-30 June 1 July
1-31 July 1 August
1-31 August 1 September
1-30 September 1 October
1-31 October 1 November
1-30 November 1 December
1-31 December 1 January
How do I upload documents?
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 on and saved locally on your computer. Once you have done that it can take a while to show as uploaded.
How long is a Decision in Principle valid for?
The DIP is valid for 30 days.
How do I amend details on a DIP I have already submitted?
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.