Skipton Building Society 100% mortgage

100% Mortgages in Huddersfield 

Are you currently renting but dreaming of owning your own home in Huddersfield? 

Skipton Building Society is offering an exciting opportunity with their Track Record Mortgage – a 100% 
mortgage solution tailored for renters like you who are ready to leap into homeownership. 

 

What is the Track Record Mortgage? 

The Track Record Mortgage is specifically designed for renters. Instead of requiring a traditional deposit, 
Skipton Building Society uses your proven record of paying rent to determine your borrowing capacity. 
 

No Deposit Mortgage

With this mortgage you don’t need a deposit to apply, making homeownership more accessible. 

Enjoy the security of a fixed interest rate for the first five years of your mortgage term, ensuring 
predictable monthly payments. 

Skipton Building Society won’t charge completion fees, helping you save on upfront costs. 
 

Who Can Apply for a 100% Mortgage? 

To be eligible for the Track Record Mortgage, you must not have owned a property in the UK in the last 
three years. You need a reliable rental payment history and no missed credit commitments in the last 6 
months. You also need to be aged 21 or over. 

The Track Record Mortgage is open to people looking to borrow up to £600,000. 
 

How Much Can I Borrow on a 100% Mortgage? 

The amount you can borrow is determined by your rental payment history and financial circumstances. 

Skipton Building Society offers an interest rate of 5.55% fixed until 31 August 2029, after which it reverts 
to the Residential Mortgage Variable Rate (RMVR) of 6.79%.
 
There are early repayment charges if you repay your mortgage early or exceed your 10% annual 
overpayment allowance during the fixed term. 

There is no charge for valuing properties under £1.5 million for mortgage purposes, and while a deposit 
isn’t required, you can use your savings or a gifted deposit (subject to criteria) to reduce your borrowing 
amount. 

You can purchase a new build house but not new build flats. 

If you receive housing benefits as part of Universal Credit, the Quick Calculator will exclude this amount 
 
when determining your loan eligibility. 

Matthew Charnock of Mortgage to Home said: “Owning your dream home in Huddersfield might be 
more achievable than you think with Skipton Building Society’s Track Record Mortgage. 
“If you would like to find out more, contact us today to discuss your options and we can help start your 
journey towards owning your own place.”

Call us on 07868 110653 or email matthew@mortgagetohome.com

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Mortgage To Home is a trading style of Maven Money Ltd which is registered with the Data Protection Act 1998 registration No. ZB495682 and is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 987341 an Appointed Representative of TMG Direct Limited which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number: 786245 and registered with the Data Protection Act 1998 Registration No: ZA178200.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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