Skipton mortgage rates today Updated every night.
78 Skipton deals for buying a home, from 4.54%. Each one set beside the lowest from the 10 other lenders we read, with what it costs a month for your deposit. No broker, no commission.
- Lowest rate
- 4.54%
- Deals for buying a home
- 78
- Loan to value
- 60% to 95%
- Read from its site
- 12 Nov 2026
Skipton 2 year fixed mortgage rates
Skipton’s lowest 2-year fix at each loan to value, beside the lowest from the 10 other lenders here.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 5.08% | 2 Years Fixed£1,495 fee | 4.87%NatWest |
| 75% LTV25% deposit | 5.23% | 2 Years Fixed£1,495 fee | 5.00%Yorkshire Building Society |
| 85% LTV15% deposit | 5.32% | 2 Years Fixed£1,495 fee | 5.10%Yorkshire Building Society |
| 90% LTV10% deposit | 5.39% | 2 Years Fixed£1,495 fee | 5.23%Santander |
| 95% LTV5% deposit | 5.67% | 2 Years Fixed£495 fee | 5.52%Leeds Building Society |
Skipton 3 year fixed mortgage rates
Skipton’s lowest 3-year fix at each loan to value, beside the lowest from the 10 other lenders here.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 5.21% | 3 Years Fixed£795 fee | 4.94%Nationwide Building Society |
| 75% LTV25% deposit | 5.32% | 3 Years Fixed£795 fee | 5.05%Nationwide Building Society |
| 85% LTV15% deposit | 5.43% | 3 Years Fixed£795 fee | 5.12%Nationwide Building Society |
| 90% LTV10% deposit | 5.52% | 3 Years Fixed£795 fee | 5.25%Nationwide Building Society |
| 95% LTV5% deposit | 5.62% | 3 Years Fixed£795 fee | 5.56%Barclays |
Skipton 5 year fixed mortgage rates
Skipton’s lowest 5-year fix at each loan to value, beside the lowest from the 10 other lenders here.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 5.01% | 5 Years Fixed£1,995 fee | 4.82%Barclays |
| 75% LTV25% deposit | 5.19% | 5 Years Fixed£1,995 fee | 4.88%Barclays |
| 85% LTV15% deposit | 5.32% | 5 Years Fixed£1,995 fee | 5.00%Barclays |
| 90% LTV10% deposit | 5.37% | 5 Years Fixed£1,995 fee | 5.00%Barclays |
| 95% LTV5% deposit | 5.58% | 5 Years Fixed£995 fee | The lowest here |
Skipton tracker mortgage rates
Skipton’s lowest tracker at each loan to value, beside the lowest from the 10 other lenders here. A tracker moves with Bank Rate; each rate is Skipton’s own, already at today’s Bank Rate.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 4.54% | 2 Years Tracker£995 fee | 4.08%Santander |
| 75% LTV25% deposit | 4.74% | 2 Years Tracker£995 fee | 4.20%Santander |
| 85% LTV15% deposit | 4.84% | 2 Years Tracker£995 fee | 4.30%Santander |
| 90% LTV10% deposit | 5.04% | 2 Years Tracker£995 fee | 4.91%Nationwide Building Society |
| 95% LTV5% deposit | 5.24% | 2 Years Tracker£995 fee | 5.14%Nationwide Building Society |
Skipton mortgage rate changes
Every change Skipton made to the rates it publishes for buying a home in the last 4 weeks, read from its own site each night: 13 rates raised, 65 new deals and 69 deals withdrawn. Newest first.
| Lender and deal | Read on | Loan to value | Was | Now | Change |
|---|---|---|---|---|---|
| Skipton2 Years Tracker, 2-year tracker | 12 Nov 2026 | 60% to 95% | 4.29% to 5.19% | 4.54% to 5.44% | Up 0.25points |
| Skipton2 Years Fixed, 2-year fixed | 12 Nov 2026 | 60% to 95% | New | 5.08% to 5.97% | New deal |
| Skipton3 Years Fixed, 3-year fixed | 12 Nov 2026 | 60% to 95% | New | 5.21% to 5.88% | New deal |
| Skipton5 Years Fixed, 5-year fixed | 12 Nov 2026 | 60% to 100% | New | 5.01% to 6.34% | New deal |
| Skipton2 Years Fixed, 2-year fixed | 12 Nov 2026 | 60% to 95% | On its page | Not on its page | Withdrawn |
| Skipton3 Years Fixed, 3-year fixed | 12 Nov 2026 | 60% to 95% | On its page | Not on its page | Withdrawn |
| Skipton5 Years Fixed, 5-year fixed | 12 Nov 2026 | 60% to 100% | On its page | Not on its page | Withdrawn |
Skipton mortgage calculator: what you would pay
The monthly repayment on a £300,000 home over 30 years at Skipton’s lowest 2-year fixed rate for each deposit. Your own price, deposit and term are worked out in the comparison, with fees and the rate after the deal.
| Deposit | Loan | Rate | Monthly payment |
|---|---|---|---|
| 5% deposit£15,000 | £285,000 | 5.67%Skipton Building Society | £1,649 |
| 10% deposit£30,000 | £270,000 | 5.39%Skipton Building Society | £1,514 |
| 15% deposit£45,000 | £255,000 | 5.32%Skipton Building Society | £1,419 |
| 25% deposit£75,000 | £225,000 | 5.23%Skipton Building Society | £1,240 |
| 40% deposit£120,000 | £180,000 | 5.08%Skipton Building Society | £975 |
Every Skipton mortgage deal
All 78 deals Skipton publishes for buying a home, as its own site showed them on 12 November 2026, by length of deal and loan to value.
Show all 78 deals
| Deal | Up to | Rate | Then | Fee |
|---|---|---|---|---|
| Skipton Building Society2 Years Fixed · £1,495 fee | 60% LTV | 5.08%2-year fixed | 6.29% | £1,495 |
| Skipton Building Society2 Years Fixed · £495 fee | 60% LTV | 5.24%2-year fixed | 6.29% | £495 |
| Skipton Building Society2 Years Fixed · no fee | 60% LTV | 5.34%2-year fixed | 6.29% | No fee |
| Skipton Building Society2 Years Fixed · £1,495 fee | 75% LTV | 5.23%2-year fixed | 6.29% | £1,495 |
| Skipton Building Society2 Years Fixed · £495 fee | 75% LTV | 5.34%2-year fixed | 6.29% | £495 |
| Skipton Building Society2 Years Fixed · £995 fee | 75% LTV | 5.43%2-year fixed | 6.29% | £995 |
| Skipton Building Society2 Years Fixed · no fee | 75% LTV | 5.43%2-year fixed | 6.29% | No fee |
| Skipton Building Society2 Years Fixed · no fee | 75% LTV | 5.63%2-year fixed | 6.29% | No fee |
| Skipton Building Society2 Years Fixed · £1,495 fee | 85% LTV | 5.32%2-year fixed | 6.29% | £1,495 |
| Skipton Building Society2 Years Fixed · £495 fee | 85% LTV | 5.45%2-year fixed | 6.29% | £495 |
| Skipton Building Society2 Years Fixed · no fee | 85% LTV | 5.54%2-year fixed | 6.29% | No fee |
| Skipton Building Society2 Years Fixed · £1,495 fee | 90% LTV | 5.39%2-year fixed | 6.29% | £1,495 |
| Skipton Building Society2 Years Fixed · £495 fee | 90% LTV | 5.54%2-year fixed | 6.29% | £495 |
| Skipton Building Society2 Years Fixed · £995 fee | 90% LTV | 5.62%2-year fixed | 6.29% | £995 |
| Skipton Building Society2 Years Fixed · no fee | 90% LTV | 5.62%2-year fixed | 6.29% | No fee |
| Skipton Building Society2 Years Fixed · no fee | 90% LTV | 5.67%2-year fixed | 6.29% | No fee |
| Skipton Building Society2 Years Fixed · no fee | 90% LTV | 5.82%2-year fixed | 6.29% | No fee |
| Skipton Building Society2 Years Fixed · £495 fee | 95% LTV | 5.67%2-year fixed | 6.29% | £495 |
| Skipton Building Society2 Years Fixed · £495 fee | 95% LTV | 5.72%2-year fixed | 6.29% | £495 |
| Skipton Building Society2 Years Fixed · no fee | 95% LTV | 5.74%2-year fixed | 6.29% | No fee |
| Skipton Building Society2 Years Fixed · no fee | 95% LTV | 5.79%2-year fixed | 6.29% | No fee |
| Skipton Building Society2 Years Fixed · £995 fee | 95% LTV | 5.79%2-year fixed | 6.29% | £995 |
| Skipton Building Society2 Years Fixed · no fee | 95% LTV | 5.81%2-year fixed | 6.29% | No fee |
| Skipton Building Society2 Years Fixed · no fee | 95% LTV | 5.94%2-year fixed | 6.29% | No fee |
| Skipton Building Society2 Years Fixed · no fee | 95% LTV | 5.97%2-year fixed | 6.29% | No fee |
| Skipton Building Society3 Years Fixed · £795 fee | 60% LTV | 5.21%3-year fixed | 6.29% | £795 |
| Skipton Building Society3 Years Fixed · no fee | 60% LTV | 5.34%3-year fixed | 6.29% | No fee |
| Skipton Building Society3 Years Fixed · £795 fee | 75% LTV | 5.32%3-year fixed | 6.29% | £795 |
| Skipton Building Society3 Years Fixed · no fee | 75% LTV | 5.43%3-year fixed | 6.29% | No fee |
| Skipton Building Society3 Years Fixed · £795 fee | 85% LTV | 5.43%3-year fixed | 6.29% | £795 |
| Skipton Building Society3 Years Fixed · no fee | 85% LTV | 5.53%3-year fixed | 6.29% | No fee |
| Skipton Building Society3 Years Fixed · £795 fee | 90% LTV | 5.52%3-year fixed | 6.29% | £795 |
| Skipton Building Society3 Years Fixed · no fee | 90% LTV | 5.61%3-year fixed | 6.29% | No fee |
| Skipton Building Society3 Years Fixed · £795 fee | 95% LTV | 5.62%3-year fixed | 6.29% | £795 |
| Skipton Building Society3 Years Fixed · no fee | 95% LTV | 5.72%3-year fixed | 6.29% | No fee |
| Skipton Building Society3 Years Fixed · no fee | 95% LTV | 5.86%3-year fixed | 6.29% | No fee |
| Skipton Building Society3 Years Fixed · no fee | 95% LTV | 5.88%3-year fixed | 6.29% | No fee |
| Skipton Building Society5 Years Fixed · £1,995 fee | 60% LTV | 5.01%5-year fixed | 6.29% | £1,995 |
| Skipton Building Society5 Years Fixed · £995 fee | 60% LTV | 5.10%5-year fixed | 6.29% | £995 |
| Skipton Building Society5 Years Fixed · no fee | 60% LTV | 5.24%5-year fixed | 6.29% | No fee |
| Skipton Building Society5 Years Fixed · £1,995 fee | 75% LTV | 5.19%5-year fixed | 6.29% | £1,995 |
| Skipton Building Society5 Years Fixed · £995 fee | 75% LTV | 5.25%5-year fixed | 6.29% | £995 |
| Skipton Building Society5 Years Fixed · no fee | 75% LTV | 5.34%5-year fixed | 6.29% | No fee |
| Skipton Building Society5 Years Fixed · £1,495 fee | 75% LTV | 5.39%5-year fixed | 6.29% | £1,495 |
| Skipton Building Society5 Years Fixed · no fee | 75% LTV | 5.54%5-year fixed | 6.29% | No fee |
| Skipton Building Society5 Years Fixed · £1,995 fee | 85% LTV | 5.32%5-year fixed | 6.29% | £1,995 |
| Skipton Building Society5 Years Fixed · £995 fee | 85% LTV | 5.33%5-year fixed | 6.29% | £995 |
| Skipton Building Society5 Years Fixed · no fee | 85% LTV | 5.44%5-year fixed | 6.29% | No fee |
| Skipton Building Society5 Years Fixed · £1,995 fee | 90% LTV | 5.37%5-year fixed | 6.29% | £1,995 |
| Skipton Building Society5 Years Fixed · £995 fee | 90% LTV | 5.43%5-year fixed | 6.29% | £995 |
| Skipton Building Society5 Years Fixed · no fee | 90% LTV | 5.52%5-year fixed | 6.29% | No fee |
| Skipton Building Society5 Years Fixed · no fee | 90% LTV | 5.57%5-year fixed | 6.29% | No fee |
| Skipton Building Society5 Years Fixed · £1,495 fee | 90% LTV | 5.57%5-year fixed | 6.29% | £1,495 |
| Skipton Building Society5 Years Fixed · no fee | 90% LTV | 5.72%5-year fixed | 6.29% | No fee |
| Skipton Building Society5 Years Fixed · £995 fee | 95% LTV | 5.58%5-year fixed | 6.29% | £995 |
| Skipton Building Society5 Years Fixed · no fee | 95% LTV | 5.65%5-year fixed | 6.29% | No fee |
| Skipton Building Society5 Years Fixed · no fee | 95% LTV | 5.70%5-year fixed | 6.29% | No fee |
| Skipton Building Society5 Years Fixed · £1,495 fee | 95% LTV | 5.70%5-year fixed | 6.29% | £1,495 |
| Skipton Building Society5 Years Fixed · no fee | 95% LTV | 5.75%5-year fixed | 6.29% | No fee |
| Skipton Building Society5 Years Fixed · £995 fee | 95% LTV | 5.78%5-year fixed | 6.29% | £995 |
| Skipton Building Society5 Years Fixed · no fee | 95% LTV | 5.85%5-year fixed | 6.29% | No fee |
| Skipton Building Society5 Years Fixed · no fee | 95% LTV | 5.85%5-year fixed | 6.29% | No fee |
| Skipton Building Society5 Years Fixed · no fee · first-time buyers only | 100% LTV | 6.19%5-year fixed | 6.29% | No fee |
| Skipton Building Society5 Years Fixed · no fee · first-time buyers only | 100% LTV | 6.26%5-year fixed | 6.29% | No fee |
| Skipton Building Society5 Years Fixed · no fee · first-time buyers only | 100% LTV | 6.34%5-year fixed | 6.29% | No fee |
| Skipton Building Society2 Years Tracker · £995 fee | 60% LTV | 4.54%2-year tracker | 6.29% | £995 |
| Skipton Building Society2 Years Tracker · no fee | 60% LTV | 4.95%2-year tracker | 6.29% | No fee |
| Skipton Building Society2 Years Tracker · £995 fee | 75% LTV | 4.74%2-year tracker | 6.29% | £995 |
| Skipton Building Society2 Years Tracker · £995 fee | 75% LTV | 4.94%2-year tracker | 6.29% | £995 |
| Skipton Building Society2 Years Tracker · no fee | 75% LTV | 5.03%2-year tracker | 6.29% | No fee |
| Skipton Building Society2 Years Tracker · £995 fee | 85% LTV | 4.84%2-year tracker | 6.29% | £995 |
| Skipton Building Society2 Years Tracker · no fee | 85% LTV | 5.15%2-year tracker | 6.29% | No fee |
| Skipton Building Society2 Years Tracker · £995 fee | 90% LTV | 5.04%2-year tracker | 6.29% | £995 |
| Skipton Building Society2 Years Tracker · £995 fee | 90% LTV | 5.24%2-year tracker | 6.29% | £995 |
| Skipton Building Society2 Years Tracker · no fee | 90% LTV | 5.24%2-year tracker | 6.29% | No fee |
| Skipton Building Society2 Years Tracker · £995 fee | 95% LTV | 5.24%2-year tracker | 6.29% | £995 |
| Skipton Building Society2 Years Tracker · £995 fee | 95% LTV | 5.44%2-year tracker | 6.29% | £995 |
| Skipton Building Society2 Years Tracker · no fee | 95% LTV | 5.44%2-year tracker | 6.29% | No fee |
Skipton mortgage rates: your questions
What are Skipton’s mortgage rates today?
Skipton’s lowest rate for buying a home today is 4.54%, its 2-year tracker at up to 60% LTV, with a £995 fee. With a 10% deposit its lowest is 5.04% (2-year tracker). With a 5% deposit, 5.24% (2-year tracker). Read from Skipton’s own site on 12 November 2026.
Has Skipton cut or raised its mortgage rates?
It has raised them: on 12 November 2026 Skipton raised its 2 Years Tracker (2-year tracker) by 0.25 points at 60% to 95% LTV, to 4.54% to 5.44%. In the last 4 weeks it cut 0 rates and raised 13 rates for buying a home, read from its own site each night.
Does Skipton offer 95% mortgages?
Yes: Skipton publishes deals up to 95% loan to value, so a 5% deposit. Its lowest today is 5.24%, a 2-year tracker with a £995 fee: about £1,572 a month on a £300,000 home over 30 years.
What rate does Skipton charge after the deal ends?
Most Skipton deals move to 6.29% when the initial rate ends, the variable rate it charges today. That rate can change, and it is what the comparison uses for the payment after the deal.
Does Skipton charge a mortgage product fee?
Skipton publishes deals with no fee, £495, £795, £995, £1,495, £1,995 product fees. A fee usually buys a lower rate; whether it pays depends on the size of the loan, which the comparison’s true cost works out.
Does Skipton have early repayment charges?
Yes, on its fixed deals: Skipton’s 2-year fixes charge 2% in year 1 and 1% in year 2 of what is repaid early, as most UK lenders do. Each deal’s own schedule is in the comparison’s More info.
Does Skipton lend on new-build homes?
Its published rates for buying a home set no new-build exclusion, so every deal here is shown. A lender checks the home itself before it lends, as it does for any purchase.
Where do these mortgage rates come from?
From each lender’s own website, read every night by NewHomeSearch: 11 UK lenders, their rates, fees, loan to value bands and early repayment charges exactly as they publish them for buying a home. We are not a broker, take no commission and rank nothing for payment, so every deal is shown on the same terms, sorted by its numbers. Rates change, and a lender decides who it lends to: check a deal with the lender before you apply.
Your next step
Work out Skipton’s deals for your price and depositHow we read the rates
- From each lender’s own website, every night. 11 UK lenders, read at 02:45 UTC; this page’s rates were read on 12 Nov 2026. Every rate links the page it came from.
- No broker, no commission, no paid placings. Nothing here is ranked for money, so every deal is shown on the same terms, sorted by its numbers.
- Only deals that lend on new-build homes. Every home on NewHomeSearch is a new build, so a deal its lender keeps from new builds is never shown.
- The sums done for you. Monthly payments, the true cost over the deal and the APRC are worked out with the lender’s own fees, in the comparison, for your price and deposit.
An illustration, not advice: rates change, and a lender decides who it lends to. Check a deal with the lender before you apply. How NewHomeSearch reads the lenders’ sites.