Filling in our Income & Expenditure Form allows us to start reviewing the options that could help get you back on track.
You’ll be transferred to Adobe Sign to complete your Income & Expenditure Form. We’ll respond within 14 days of receiving it. Adobe Sign's website terms and conditions, cookie policy and privacy policy may differ from Skipton's so please read them carefully.
Please use the Residential Form if you live in the mortgaged property, or the Buy To Let Form if your property is rented.
Priority debts
Non priority debts
If you find yourself in financial difficulty and you're worried about or unable to make your monthly mortgage repayment, we could help. The earlier you get in touch the better, as there are more options to explore if you tackle the problem early.
The first step is to complete the Income & Expenditure Form, this gives us a better picture of your financial position and allow us to consider all the options available to you. Submitting the form online is the quickest way to get it to us.
Alternatively, forms can be posted to:
or emailed to creditmanagement@skipton.co.uk
Once we have received your completed form online, by post or email, we will get in touch to discuss the types of support we could offer you. Speaking to us to discuss your situation will not impact your credit file. Your credit file will only be impacted if you miss a full monthly mortgage payment, or if you enter into a payment arrangement to repay the arrears.
Additional options may be available depending on your circumstances so please contact us for further details.
It may be an option we can look at, however any reduced payment options are based on what you can afford as this will report on your credit file. Please complete an Income & Expenditure Form and we can review any options that might be available.
No, you must make all due payments up until the mortgage is repaid, however if you are struggling to make your monthly mortgage payments please complete an Income & Expenditure Form and we can review any options that might be available.
It may be an option we can look at with you, however any reduced payment options are based on what you can afford and will report on your credit file. Please complete an Income & Expenditure Form and we can review any options that might be available.
Your mortgage is a priority debt and you must contact any other lenders first and see if you can look at reduced payments. If you are struggling to make payments on your other loans we have a list of helpful contacts who may be able to help you. Alternatively you can talk to PayPlan for free independent debt advice.
Calling us to discuss your situation will not impact your credit file. Your credit file will only be impacted if you miss a full monthly mortgage payment, or if you enter into a formal payment arrangement with us.
You may only take a payment holiday if you have previously made regular overpayments. Please refer to your mortgage offer for more information on your specific overpayment allowances.
This may be a temporary option that we can look at for you. Any reduced payment options are based on what you can afford and may affect your credit file.
Yes, available dates are the 1st, 10th, 12th, 15th, 20th and the last working day of the month.
This is not something that we offer.
Send an email to our Credit Management team.
creditmanagement@skipton.co.uk
Speak to our dedicated Credit Management team.
0345 850 1766
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