Existing Mortgages FAQs

Statements are posted on an annual basis in the first two weeks of January each year, dated as at 31 December the previous year.

You can telephone the Post Offer Mortgage Team on +44 (0) 1481 712279, or email them at: mortgageservices@skiptoninternational.com to request a previous statement, tax year statement, or an up to date statement.

Please note, there is a £40 discretionary charge for a duplicate mortgage statement. (per request)

The Skipton International Online Mortgage Portal is available to all mortgage customers. To register visit the Login page.

Any questions please call the team on +44 (0) 1481 712279, or email them at: mortgageservices@skiptoninternational.com.

If you are redeeming from your own funds, we require a written request to initiate the redemption process, once this is received you will receive a redemption statement explaining the next steps. 

If you are selling your property, the buyer’s solicitors will contact us and ask for a redemption request on your behalf. 

If you are not on the standard variable mortgage rate, we will contact you with your early redemption charge figure.

It is possible to transfer your rate from one property to another. At this point your mortgage will be switched to ‘interest in advance’ if you are currently on an ‘interest in arrears’ scheme. Transferring the rate avoids paying the early redemption penalty charge. This is subject to the underwriters’ agreement and if you have a successful application three months after redeeming your previous mortgage.

To make this change please get in touch with our Mortgage Team on + 44 (0) 1481 712279, or email them on mortgageservices@skiptoninternational.com.

Initial interest is the amount of interest that will accrue from the date of your completion to the end of the relevant calendar month. It will be included in your first scheduled monthly repayment.

Should your mortgage complete on or before the 23rd of the month, your first payment will be on the 1st day of the following month. If your mortgage completion is after the 23rd of the month, your first payment will be on the 10th of the following month. Please check your offer letter - it will state whether your payments will revert back to the 1st or maintain on the 10th. If you would like to change your payment date between these two dates please contact us.

Due to interest being charged in advance, your first payment will include interest from the month of completion and the month you are paying in as the interest is charged in advanced. For example, if you complete on the 7th of September, expect the 1st of October payment to be a combination of the interest for the remainder of September and all of October.

To find out more please review our General Terms and Conditions which can be found on our website

It is essential you pay off your mortgage in full or you may have to sell your home.

In order to pay off the capital it is essential to utilise your overpayment allowance. If you do not pay off your mortgage in full you may risk losing or having to sell the property. Making overpayments can be done by a lump sum capital repayment or increasing your monthly payments with a voluntary overpayment. 

Please see the Interest Only Leaflet for more information. 

If you are in a situation where your finances have changed due to circumstances out of your control, please complete the form below with as much detail as possible, then post it to: Tudor House, The Bordage, St Peter Port, Guernsey GY1 6DS or email it to: mortgageservices@skiptoninternational.com. A member of the underwriting team will be in contact to discuss in further detail.

Personal Budget Review Form

Existing mortgage customers at Skipton International, can transfer their existing rate (and porting balance) onto a new property for the remaining duration of the product term. This would be subject to meeting our affordability criteria on the total of any new borrowing. 

If you redeem your existing mortgage, and an early repayment charge is applicable, this may be refunded if completion of new borrowing completed within a timeframe of 3 months for the Channel Islands.

You can change your address by completing the change of address form on our website.

Additionally, please send a certified copy or an original proof of address, which contains both your name and the new address, for example a bank statement or a utility bill. This needs to be dated within the last three months.

Currently we operate on two dates for payment: the 1st and 10th of each month. If you would like to change your payment date you can telephone the Post Offer Team on +44 (0) 1481 712279 or email them at: mortgageservices@skiptoninternational.com to request a change.

You can change the direct debit account you have with us by simply completing the direct debit mandate form which can be found on the Forms section of our website and then send it to mortgageservices@skiptoninternational.com.

Each year you are allowed an overpayment allowance of 10% of the balance on the month after the anniversary of the drawdown of the mortgage, or selection of your last product. For example, if your mortgage drawdown date was in September, your overpayment allowance would reset after the October payment. You can pay up to this amount off your mortgage without receiving any additional charges.

Please be advised not every mortgage product has an overpayment allowance.

If you wish to find out if you have an overpayment allowance, and if you do have one when it resets, please do not hesitate to contact the post offer mortgages team. You can contact us by telephoning +44 (0) 1481 712279 or emailing mortgageservices@skiptoninternational.com.

A capital repayment is allowed after the first monthly mortgage repayment is made. After this you can contact the Post Offer Mortgages Team to find your overpayment allowance. Please call the Post Offer Mortgage Team on +44 (0) 1481 712279 regarding your mortgage as not all mortgages have an overpayment allowance. 

By making overpayments whether it be a lump sum capital overpayment or a voluntary monthly overpayment, you could pay your mortgage off earlier than originally planned and save thousands in interest.

Most of our mortgage deals include Early Repayment Charges (ERCs) if overpayments are made that are more than 10% of the mortgage balance in any one year.

Please also remember that not all of our mortgages offer overpayment allowances and if no overpayment allowance is available, a charge will be applied to any overpayment that is applied to the mortgage. 

Please contact us by email at mortgageservices@skiptoninternational.com should you wish to make an overpayment on your mortgage. 

Firstly please confirm how much your overpayment allowance is by contacting the Post Offer mortgages. Then you can complete the Overpayment Request Form and email or post the form to us.

To reduce your mortgage term you can complete the Overpayment Request Form which can be downloaded from the Forms section our website. Using your 10% overpayment allowance will increase your monthly payments and pay off more capital which will decrease your term. 

In the first instance, please contact the Post Offer Mortgages Team by letter or email on mortgageservices@skiptoninternational.com stating:

1. How much you wish to pay
2. Where the funds have come from (savings from earnings, investments, inheritance, bonus etc.)
3. Which bank it is coming from (Barclays, NatWest, Lloyds etc.)

Please also attach a declaration source of funds form, and proof of funds such as a bank statement.

Once this has been received it will be reviewed by the Post Offer Mortgages Team. We will contact you to confirm you can then transfer the funds with the below information.

Guernsey & UK

Bank: HSBC

Sort Code: 40.22.25

Account Number: 42660180

Account Name: Skipton International

Reference: Name - Account Number

Jersey

Bank: HSBC

Sort Code: 40.22.25

Account Number: 72814285

Account Name: Skipton International

Reference: Name - Account Number

Prior to your current mortgage rates maturing you will receive a communication from Skipton International advising you of the current mortgage rate. Simply tick the box on the form, and send it back to us. If this is completed before the 23rd of the month prior to your maturity we can switch your product a month earlier. A letter will be sent in the post to you if you have not selected a product via the email. This will take place in the first week of your maturity month.

If no product is selected then you will be switched to our standard variable rate, the interest rate will be featured on the list of available products. The advantage of the standard variable rate is that you will not receive an early redemption charge and you have an unlimited overpayment allowance, subject to terms and conditions. 

Should you wish to make a complaint, please follow the link to our complaints procedure here.

All of Skipton International's terms and conditions can be viewed on the website: 

Guernsey

Jersey

England & Wales

Scotland

If you are looking to make some home improvements, add an extension, help a family member get on the property ladder or purchase a new Buy-To-Let property, please contact the Mortgage Sales Team. They will be happy to assist you with any additional borrowing. Please telephone + 44 (0) 1481 734000.

Click the 'Login' button found at the top right corner of our website - www.skiptoninternational.com or visit www.skiptoninternational.com/online

Skipton International's Online Mortgage Portal is available to all existing mortgage customers. New mortgage customers will be granted access upon drawdown. To register, please visit the registration page.

There is no charge for registering and using Skipton's Online Mortgage Portal.

You can find Skipton International's Online Mortgage Portal Terms and Conditions here. 

Two Factor Authentication, or 2FA, is an extra layer of protection used to ensure the security beyond just your username and password. The 2FA of your choice will provide a One Time Passcode for each time you log into the portal. Please note you require a smartphone or tablet for your 2FA in order to access the Online Mortgage Portal.

Please note you require a smartphone or tablet in order to access the Online Mortgage Portal.

If you wish to reset your password, please click on the “Forgot your password?” link on the login page and follow the on screen instructions.

Please contact our Mortgage Team on + 44 (0) 1481 712279. Telephone lines are open 8:30 to 17:00 (UK time), Monday to Friday.

Click on your name on the top right hand of the screen and select 'Logout'.

Yes. After 15 minutes of inactivity, your session will time out.

No. Once you have finished your session please click 'log out'

This is a passcode that is valid for only one login session, you will need this to access Skipton's Online Mortgage Portal. The One Time Passcode is generated through the Two Factor Authentication (2FA) app of your choice.

You can use a Two Factor Authenticator (2FA) app of your choice. Some examples include Google Authenticator, Microsoft Authenticator or Duo Mobile.

Yes, you can have multiple sessions open at the same time and across multiple devices.

Please contact our Mortgage Team on + 44 (0) 1481 712279. Telephone lines are open 8:30 to 17:00 (UK time), Monday to Friday.

No. Two Factor Authentication (2FA) is required to log onto the Skipton Online Mortgage Portal. 2FA is in place as an additional layer of protection to ensure that your account is secure.

Please contact our Mortgage Team on + 44 (0) 1481 712279. Telephone lines are open 8:30 to 17:00 (UK time), Monday to Friday.

You will be able to view all of your transactions.

You can telephone the Post Offer Mortgage Team on +44 (0) 1481 712279, or email them at: mortgageservices@skiptoninternational.com to request a previous statement, tax year statement, or an up to date statement. Please note, there is a £40 discretionary charge for a duplicate mortgage statement (per request)

Visit the 'Help & Support' page within the Online Mortgage Portal, where you will be able to request a callback with our Mortgage Team at a specific date and time. 

If you wish to make a change to your mortgage you can raise a support request. This includes: Change of details (name, address, phone number etc), make a one off capital repayment, change the date or amount of your monthly repayments, request additional borrowing and amend your direct debit details.

Visit the 'My Details' page within the portal, then click on 'Edit my details'. Your details will be updated immediately with no other actions needed.

Visit the 'My Details' page within the portal, where you can change your password. Your details will be updated immediately with no other actions needed.

Visit the 'My Details' page within the portal, then click on 'Edit my details'. Your details will be updated immediately with no other actions needed.

On the initial registration you will need to provide an email address, create a password and register a smartphone or tablet (which will be used to generate a one time passcode through a Two Factor Authentication (2FA) app of your choice). 2FA is in place as an additional layer of protection to ensure that your account is secure.

You will be locked out after 3 failed login attempts.

Please contact our Mortgage Team on + 44 (0) 1481 712279. Telephone lines are open 8:30 to 17:00 (UK time), Monday to Friday.

Please contact our Mortgage Team on + 44 (0) 1481 712279. Telephone lines are open 8:30 to 17:00 (UK time), Monday to Friday.

Please contact our Mortgage Team on + 44 (0) 1481 712279. Telephone lines are open 8:30 to 17:00 (UK time), Monday to Friday.

Our office is open 8.30 to 17:00 (UK time), Monday to Friday.

No, you cannot log in as multiple users on the same device at the same time.

With an interest only mortgage the payments you make only cover the interest and you do not repay the original loan amount until the final date. For example, if you borrow £100,000 for 25 years, the full £100,000 will be payable at the end of the 25 year term. With a capital and interest mortgage, part of your monthly payments go towards repaying the loan, and the mortgage balance is repaid in full at the end of the term.

With an interest only mortgage the payments you make only cover the interest and you do not repay the original loan amount until the final date. For example, if you borrow £100,000 for 25 years, the full £100,000 will be payable at the end of the 25 year term. With a capital and interest mortgage, part of your monthly payments go towards repaying the loan, and the mortgage balance is repaid in full at the end of the term.

Talk to us first – We’ll discuss your situation with you and help you work out what options are available.

Repossession is only ever a very last resort – we will always do our utmost to work with you to find a better solution. However, you may have to sell your home to repay your mortgage if you don’t have an alternative repayment plan.