What To Do If Your Mortgage Application Is Declined By Skipton

See how expert advice could help secure your mortgage despite being rejected by Skipton.

Firstly, have you had a mortgage declined in the last 12 months?

Home Mortgage Application What To Do If Your Mortgage Application Is Declined By Skipton
Pete Mugleston

Author: Pete Mugleston

Mortgage Advisor, MD

Updated: March 13, 2024

In this article, we’ll explain what steps you can take if Skipton has rejected your mortgage application, highlight the most common reasons why this may have happened and how a broker can help you get the borrowing you need.

Are Skipton Building Society a strict mortgage lender?

Like all major UK building societies, Skipton can be strict towards customers who don’t fit their criteria for a mortgage. They do offer mortgages to people with certain types of minor bad credit, but issues such as debt management plans, recent defaults and payday loan usage can trigger an automatic rejection.

Skipton can also take a strict stance on property issues, including contaminated lands and build types such as Wollaway or wholly timbered construction.

How long does Skipton take to process a mortgage application?

The average amount of time a mortgage application takes to process from start to finish is usually between two to four weeks, depending on the intricacy of the application.

Very straightforward applications can be processed towards the lower end of this timescale, but if issues such as bad credit or complex income are a factor, it might take longer.

Maximise your chance of approval with a dedicated specialist broker

Get Started

Ask Us A Question

We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in finding the right solution.

Ask us a question and we'll get the best expert to help.

Feefo 5 Stars
1 of 3
2 of 3
3 of 3 Send!

What to do if Skipton have declined you for a mortgage

If Skipton have rejected your mortgage application or you think it’s inevitable that they will, there are steps you can take to give yourself the best chance of salvaging your plans…

  • Think twice before making another application
    Don’t rush into another mortgage application straight away, as there is no guarantee things will turn out any differently than they did with Skipton, unless you have in-depth knowledge of the market. By approaching another lender so soon, you’d be running the risk of another rejection, and two in such a short space of time could harm your credit report.
    Immediately after a mortgage rejection is a good time to take a pause and seek professional guidance from a broker. They will be able to advise you on your next move.
  • Find out why Skipton wouldn’t approve you
    Gather as many of the facts around your rejection as possible, as this will help you avoid whatever issue Skipton found next time. Download all of your credit files so you can see what Skipton saw when they looked into your financial history, and try to get your hands on any reports the lender had carried out. If you don’t have time to gather these things, no problem! Simply jump ahead to step three below…
  • Let us match you with the right mortgage broker
    The best way to boost your chances of turning that rejection into a mortgage promise is by speaking to a mortgage advisor. The right broker for you will have the knowledge and expertise to re-negotiate with Skipton if there’s grounds for appeal, but they might even be able to find you a much better mortgage deal with another lender who’s a better fit for you.

We offer a free broker-matching service that can pair you with the mortgage expert who’s best qualified to help a customer with your needs and circumstances. This will be someone we’ve personally vetted, who has a strong track record helping customers just like you – make an enquiry to be matched with a broker today.

Can you appeal the decision?

Yes, you can usually appeal straight away. This can normally be done either online or via email to the appropriate department (this information is typically found on the lender’s website, with instructions as to how to follow the correct procedure).

It’s probably best to wait until you have all the details as to why this happened and then consider all of your options before lodging an appeal.

Get expert advice immediately if…

  • You need to borrow between 5 – 6 times your salary
  • You’re purchasing an unusual property type including non-standard construction
  • You have any form of bad credit
  • You’re purchasing in Northern Ireland and further afield
  • You need an expat mortgage
  • You’ve been declined for a mortgage previously

Get Expert Advice

Common reasons Skipton decline mortgage applications

They identified something they didn’t like in the property survey

Skipton Building Society might have offered you an agreement in principle (AIP), but decided not to progress to a full mortgage offer when they saw the results of the property surveys. There are many things that could come up in a property survey that might put Skipton off.

For example, they don’t lend on Grade 1 listed buildings, properties on contaminated land, or anything that was built using Wollaway or wholly timbered construction.

The underwriters found a problem on your credit report

It’s not uncommon for lenders to offer a mortgage in principle, only to think twice about a full mortgage offer when the underwriters have carried out the final credit check.

Although Skipton does offer bad credit mortgages under some circumstances, they won’t lend if you’re in a debt management plan, have a default that was registered in the last 3-12 months, or have a history of payday loan use, to name a few examples.

Your income won’t stretch far enough

Skipton caps the amount they’re willing to let eligible customers borrow based on 4.75 times their income. So, for example, if the combined earnings of all applicants named on the mortgage is £70,000, they could potentially borrow £332,500 on a mortgage.

If your salary multiplied by 4.75 does not amount to the sum you need to borrow, there’s a good chance Skipton will turn you down on affordability grounds, if they haven’t already.

You’re buying a property in Northern Ireland or off the UK mainland

Skipton is a viable choice of lender if you’re buying a property in England, Scotland or Wales, but if you’re purchasing anywhere else in the UK, you’ll likely find they’re not right for you.

Properties based in Northern Ireland and certain islands away from the UK mainland (Channel Islands, Isle of Man etc) fall outside of Skipton’s lending criteria, so they’ll almost certainly reject a mortgage application if any of these locations are listed on it.

You’ve been living abroad and only recently returned to the UK

If you’ve been living abroad, are returning to the UK and want to buy a house here, Skipton won’t be the right lender for you.

They reject mortgage applications outright from customers who are relocating back to these shores, even if you have a full-time job lined up.
If the exact reason Skipton turned you down for a mortgage doesn’t appear on this list; don’t worry, the brokers we work with could still help you out. They offer lifelines to customers who have been declined for every reason you can possibly think of, and never discriminate when it comes to the circumstances surrounding a mortgage rejection.

Whatever problem stops you from getting a mortgage, there will be an expert who specialises in solving that issue, and our broker-matching service will find them for you.

We're so confident in our service, we guarantee it.

We know it's important for you to have complete confidence in our service, and trust that you're getting the best chance of mortgage approval at the best available rate. We guarantee to get your mortgage approved where others can't - or we'll give you £100*

Happy approved couple

How long does it take to re-apply for a mortgage?

This all depends on the reasons why you’ve been declined by Skipton. If, for example, you have severe adverse credit on your record, such as a recent bankruptcy or repossession, this may take anywhere up to a number of years before your credit record is cleared.

Once you know why you’re application was declined you can then take steps to resolve these issues thoroughly. When this has been done, with the help of a mortgage broker, your new application should hopefully take as long as is standard to process and get the approval you need. ㅤ

How Online Mortgage Advisor can help

Our broker-matching service – which is completely free to use – will pair you with the right mortgage advisor, a fully-vetted expert with the knowledge and expertise to help a customer just like you get a mortgage after a rejection from a high street building society.

Call 0808 189 2301 or make an enquiry online and we’ll set up a free, no-obligation consultation between you and your perfect broker today. One rejection shouldn’t mean the end of your homeownership dreams, and the right broker can help you keep them alive.


The minimum amount of deposit you would usually need to get a residential mortgage with Skipton is 5%-10% of the property’s value. However, they have also been known to offer mortgages with no deposit for anyone who fits the specific criteria for this product.

If Skipton has turned you down for a mortgage based on the size of your deposit, keep in mind that a broker might be able to help you find a lender with more flexible criteria.

Yes, but only if it’s a gift from an immediate family member. They will need to fill out a gifted deposit declaration form with Skipton to confirm their personal details, and their relationship to the borrower and state that the gift is unconditional and non-returnable.

If your deposit funds were gifted by somebody other than a blood relative, Skipton is likely to decline your application, but it’s worth speaking to a broker who specialises in gifted deposits. They will know which lenders to approach for non-family gifted deposits.

This means that Skipton have referred your mortgage application to its underwriters. It doesn’t necessarily mean there’s a problem with your application, nor is it any indication they’re likely to reject you. Underwriting is part and parcel of the mortgage application process, and it’s necessary so the lender can double-check everything.

Your mortgage might be referred for underwriting at two points in the process: when you apply for an agreement in principle or before the lender makes you a full offer.

If your mortgage has been referred to the underwriters, it’s not too late to speak to a broker to double-check that Skipton is the right lender for you. If there’s a better deal elsewhere, there might be time to switch to another lender and complete with them.

Yes. Skipton offer a range of mortgage products for self-employed people, but to qualify for them, you will need to have been self-employed for at least 24 months.

If you’ve been declined for a mortgage by Skipton because you don’t have enough accounts, keep in mind that a specialist broker could potentially find you a lender who’s willing to consider self-employed mortgage applications based on just one year of trading.

Yes. Skipton Building Society offers a mortgage porting facility, which means some of its products can be transferred across to a new property if the borrower moves house. There are no early repayment charges (ERCs) to foot with these agreements, as long as the borrower completes their new mortgage and repays the original one at the same time.

If you’re moving house, it’s a good idea to speak to a mortgage broker before you commit to a mortgage port. They can search the entire market to find out whether there’s a better deal out there with another lender, or at least confirm that porting is your best option.

Ask us a question

We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in finding the right solution.

Ask us a question and we'll get the best expert to help.

Our Brokers

Get in touch today

Make an enquiry and we'll arrange for an experienced mortgage broker we work with to contact you straight away.

1 of 3
2 of 3
3 of 3 Send!

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for Online Mortgage Advisor of course!

Read more about Pete

Pete Mugleston

Mortgage Advisor, MD

Continue Reading

Maximise your chances of approval, whatever your situation - Find your perfect mortgage broker