UK mortgages

UK Base Rate Tracker Mortgage

This mortgage guarantees to track the Bank of England base rate for 3 years.
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Loan to Value
Pay Rate
APR
Minimum Loan
Information
Loan to Value
Up to 75%
Pay Rate
5.09% Base + 1.34% / Product Floor 4.34%
APR
7.2%
Minimum Loan from
£150,000
Loan to Value
Up to 75%
Pay Rate
4.89% Base + 1.14% / Product Floor 4.14%
APR
7.1%
Minimum Loan from
£400,000
Rate for three years (with a Base rate floor of 3.00%). The product rate tracks the Bank of England Base Rate for three years

Application fees: Purchase £1,999 and remortgages: £999

Early repayment charges: Year 1:3% Year 2:2% Year 3:1%

With effect from 24 August 2026.

Your home may be repossessed if you do not keep up repayments on your mortgage

  • Mortgage information
    • Application fee of £1,999 for purchased properties. Includes cost of valuation.
    • Remortgages, equity release and further advances are charged at £999, which includes the cost of a valuation.

    The minimum loan size is £150,000 and the maximum mortgage loan to any individual, together with connected persons is £5 million.

    Following the tracker period the interest rate will revert to Skipton International Channel Island residential follow on rate (6.49%).

    Our UK mortgage products are portable and if you move house can be applied to your new property (subject to it meeting our criteria).

  • Interest in Advance

    The interest Skipton charges for each month will be calculated and charged daily on a sum equal to the Loan on the day the Loan is advanced to the Borrower in the first month and, for each month thereafter, on a sum equal to the Loan on the last day of the previous month and will be debited to the Borrower’s Loan in advance on the day the Loan is advanced to the Borrower in the first month and on the first day of each month thereafter.

  • Product fees

    Product fees are non-refundable and must be paid on application. Our mortgage products can be withdrawn at very short notice.

Handy forms
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Mortgages with Skipton

If you’d like to talk to us about finding a Skipton Jersey mortgage that’s right for you, we’d love to help. Contact us on +44 1534 509501.
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