Skipton Building Society Deals & Sales for 2016 - HotUKDeals
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Skipton Building Society Deals & Discounts

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Skipton Building Society Online cash ISA 1.6% and accepts transfers

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This seems to be the top paying instant access cash ISA. It was launched today. 1.6% AER payable annually or monthly. Accepts transfers from other ISAs - transfers can be arranged online. Th…
itsnotmeitsyou Avatar1y, 7m agoFound 1 year, 7 months ago21 Comments
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monitor1
Santander 123 is not for me as i have no mortgage and not many outgoings.Please remember this has a monthly fee.
then open a BOS vantage, same 3% on 5k, lots of current accs have 4% and even 5%.. why settle for 1.6!?
i have 20,000 in savings at natwest 15,000 in isa and 5000 in a normal savings account with them (inheritance) not sure what i should do for the best long term i.e 10yrs or so . any advice
marineville
monitor1
Santander 123 is not for me as i have no mortgage and not many outgoings.Please remember this has a monthly fee.

the monthly fee is 2.00 per month... if you have enough money for a cash isa that'll give you 2.4% after tax and minus 24.00 still gives you 2.24% and that's if you never EVER pay for utilities, mobile phone, landline, etc to get their cashback. (and you still have another 5k you can put in to get 2.3% interest on).

all with instant access...

as someone else said, it's a no-brainer
+1
This is the best easy assess cash ISA rate right now. HSBC also offers 1.6% but only to their premier customers.
With inflation at or close to zero per cent even the current low levels of interest at least give you a positive return in terms of current purchasing power. I recall that sometimes this wasn't the case in the days of higher interest rates and higher inflation when in terms of interest it was just a case of loss minimisation....
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Skipton 2.83% 3 Year Fixed Rate Mortgage (75% LTV) for remortgagers, no fees

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2.83% 3 year fixed rate mortgage, up to 75% LTV, available to customers remortgaging an existing property. No application or completion fees. Minimum £50,000 and maximum £1,000,000 mortgage.
Genki Avatar1y, 10m agoFound 1 year, 10 months ago2 Comments
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or you can go for barclays 5 yr fix 2.89% no valuation and product fee. available until this Friday
Alternatively, if you want to fix for longer, a £1,995 fee will get you 5 years fixed at 2.82% (other criteria are the same)
http://www.skipton.co.uk/mortgages/fixed-rate/5-year-fixed-rate-mortgage-75-ltv-high-fee-remortgage
-8Expired

Low rate 2 yr fixed mortgage through a independant broker - Skipton BS

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i have applied for a broker exclusive mortgage on saturday through a local independant broker who works under positive mortgages. it's worth finding one as i got a 2 yr fixed rate at 2.89% on a 85%…
ianh82 Avatar2y, 5m agoFound 2 years, 5 months ago13 Comments
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simont_space
If you are paying for a brokers services they will find the best product for you,

That depends if they are a 'whole-of-market' advisor or not. If they're not then they can only find the best product within their remit.
paulj48
ianh82
but you need to add vluation fee's so probably save a few hundred over what i've got.

I remortgaged from Skipton to N&P in Febuary this year and the offer I mentioned was there then, their valuation fee was £150 so you could have saved £655 and 0.05%

Thats the trouble with using a broker, even though they are independant they wont search all product's and will recommend the product they get the best commision from, just spend a few hours yourself searching the internet for the best deal.

If you are paying for a brokers services they will find the best product for you, if you are going for advice they should offer all products and tell you what fee they receive from each one. Compensation for miss-selling has hit many businesses so they should be wary of just going on their commission.
yes thats the rules. affordability. i can't swap now as all going through.
ianh82
how quickly are N&P at sorting it all out now the new rules have come into force?

My remortgage was completed start to end in 4 weeks, I did everything via phone and post 1 X 1/2 hour call for elligability and another 1 hour call for more details at N&P's expense (they called me)

Dont know what new rules you mean but they asked me on my initiall call about ALL my monthly expenditure
yes i did search paul before the broker and the skipton deal wasn't the one he offered me as he hadn't used them before. how quickly are N&P at sorting it all out now the new rules have come into force?
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22Expired

Mortgage max 90% LTV 2 Yr fixed 3.99% no fee plus £160 cashback @ Skipton Building Society

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Special edition mortgage product. If your thinking of getting on the property ladder (good for only a small deposit) or remortgaging then read on. No completion or application fees. Free standa…
4cx250f Avatar2y, 9m agoFound 2 years, 9 months ago8 Comments
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bobcoyle77
I found a fee free broker and got cashback through quidco

Cashback from quidco via a broker? How does this work?
I found a fee free broker and got cashback through quidco
This is hot, I got 3.99 at 90LTV last year but no cashback, and that rate disappeared inside a fortnight as a friend was looking shortly after me and it wasn't available... Of course there are better rates, but not at this LTV that I've seen.

their 3yr 75/80LTV's look pretty good value too. Don't think much of their 5yr rates though.

Edited By: PR1 on Feb 18, 2014 19:01
^ i agree maybe cold voters for one rely on fee free brokers to find them a better deal doesnt make this cold.
This is cheap for 10%.

Just because some people are on pre-crash trackers paying 2.5% doesn't mean this is a bad deal.
490Expired

Mortgage at 90% LTV 2 Yr fixed 3.99 % fee free + £160 casback @ Skipton Building Society

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As above, not a bad deal if you have a small deposit. After fixed rate goes to there variable 5.49% Free val and legals if remortgaging.
bannistuta Avatar3y, 5m agoFound 3 years, 5 months ago50 Comments
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kaisah16
To those people warning about the rate after fixed period - cant you remortgage after this? or not with this particular mortgage?

You can remortgage at any time usually (though some charge for a transfer or early repayment), not sure about this one in particular though - always read the terms in full :)
jgtuk
hwangeruk
peterdarlison
hooray henry
Great deal. Get into the housing market as the South East bubble grows and exit again in 2 years taking your profits because a more serious property crash is coming back again.

I'm not arguing but IMO
Property will only rise in the UK (double price every 12 years) due to several facts ie
1. more people entering the country now 20 million more people here than 20 years ago and 10 million houses haven't been built to accommodate them all
2. More people deciding to buy to rent
3. Its a very small island and land is scarce

Simply supply and demand and i might add im quite an older guy so seen it a few times before and was a builder

So the post lol? Well the 2 years is ok but the 5.49 after that certainly gets payments to a high level.
Good if you can swop after the 2 years but a. do you want the hassle? and b . is it worth it? hmmmm

Personally IMO ( and its from an old head) buy a home anytime is good , but if your looking to make money its called the hard way and that's working not speculating on property prices.

Not sure we are going to see the house price rises like we saw in the 80s and 90s.
The major problem we have is the income multiplier is too high. House prices are overvalued when looked at in this context.
Historically 3-4, now circa 5 x. Its too much for young kids to get on the housing ladder (I feel so sorry for the them).
[url=http://www.housepricecrash.co.uk/graphs-average-house-price-to-earnings-ratio.php]http://www.housepricecrash.co.uk/graphs-average-house-price-to-earnings-ratio.php[/url]
Although I agree. Signing up to Europe and mass immigration has put pressure on house prices.

But getting a house is a good investment for it being a tangible asset, as well as your own space etc.


That graph is only 7 years out of date... figures from the height of the crash..

But still true, here is some more up to date data:
http://www.economicshelp.org/blog/5568/housing/uk-house-price-affordability/
Still 5 x, i.e. Too High!

Also, the FT, backing me up ;) : http://www.ft.com/cms/s/0/d30fcbd0-a8d0-11e2-a096-00144feabdc0.html#axzz2WzEsiCVB
Byron78
I own outright (lucky), but I personally wouldn't advise anyone thinking about buying to do so until all the artificial stimulus that's going on with regards the property market is removed (because at some point it will be).

The government is currently propping up the market both directly (Osbourne's last budget was pretty much aimed at fuelling another short-term boom), and indirectly (propping up the banks). That simply can't and won't last (although I can see it lasting past the next general election of course).

Buy a home if you need one obviously - it's better than renting if you're working long-term in one area - but don't buy one with a view to making money on it, and be aware it can actually cost a lot more than renting when you factor in the maintenance and all the tax and fees that come with selling.

Unless you've got a sack of money and a time machine, in which case hop in it, set the dial to the mid-90s, and buy up everything you see made of bricks.

thats a very clever and fair view
You are free to do what ever you want after the fixed rate, choose a new product with them or move elsewhere, obviously depends on what happens with house prices etc
To those people warning about the rate after fixed period - cant you remortgage after this? or not with this particular mortgage?
-50Expired

Skipton's Super Cash ISA @ 3.10% Annual/Monthly Interest options

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Our Super Cash ISA is an ideal way to make the most of your tax-free privileges. The Super Cash ISA is easy to open and allows you to earn a good tiered rate of interest, so if you have been a re…
madgeeza Avatar5y, 5m agoFound 5 years, 5 months ago3 Comments
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ggilfedder
Why is it that you get 3% extra when saving but 30% extra when you borrow. Because they are all greedy ba%~a$

and they cant make the business viable doing that either!!!!!!!!!!!!
years ago the bandits used to be mechanics,builders etc now its banks and governments lol
remind you of anything? old cccp perhaps?


Edited By: peterdarlison on Jun 25, 2011 09:23
Why is it that you get 3% extra when saving but 30% extra when you borrow. Because they are all greedy ba%~a$
Just checked this out as it sounded a good deal.

You have to invest £50,000 plus to get this rate. The interest rate is staggered depending on the amount you invest. There are better deals around.
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