Financial Services
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Home Buyer Mortgage
First Time Buyer Guide to buying your own home.
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Home Mover Mortgage
Elevate your move with our tailored Home Mover Mortgage for a smooth transition to your new dream home.
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Home Owner Remortgage
Refinance with our Home Owner Remortgage for better rates, releasing equity, or funding improvements—empowering your homeownership journey.
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Buy-to-Let Mortgage
Dive into property investment with our Buy-to-Let Mortgage, tailored for both seasoned investors and first-timers seeking to build a profitable portfolio.
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Holiday Let Mortgage
Transform your vacation home investment dreams into reality with a Holiday Let Mortgage,
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Green Mortgages
Green Mortgages 🌳 are a new type of mortgage that rewards you for making your home more energy efficient.
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Bad Credit
Mortgages Adverse Credit Mortgages 📉 are for people with a poor credit history.
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Private Medical Insurance
Cut NHS wait times with private medical care and private hospitals.
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Life Insurance
Pay off your mortgage if you or your partner die.
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Bridging Finance
Navigate property transitions seamlessly with our Bridging Finance, offering quick and secure solutions for your short-term financial needs.
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Auction Finance
Secure your auction triumph with Auction Finance, providing the financial backing needed to confidently bid and acquire your desired property.
First Time Buyer Mortgage, Pay Nothing for 3 Months!
First Time Buyers! Pay NOTHING for 3 month. Move in, settle down, with just a 5% deposit.
Great news for first-time buyers! Skipton has launched the innovative Delayed Start Mortgage, designed to ease the financial pressures of moving into your new home.
- No repayments for 3 months: You can settle in without mortgage payments for the first three months after completion, giving you breathing room to cover moving costs, furniture, or other expenses.
- Low deposit options: Borrow up to 95% of the property value, meaning you may only need a 5% deposit.
- Flexible terms: Choose a fixed interest rate for 2 or 5 years to suit your budget.
- Tailored for first-time buyers: At least one applicant must be a first-time buyer to qualify.
Moving from renting to owning can be costly, with overlapping rent, deposits, stamp duty, and setting up your new home. Skipton’s Delayed Start Mortgage helps by pausing repayments for three months, so you can focus on making your house a home.
Note that interest accrues from day one and is added to your mortgage balance, meaning slightly higher interest over the loan term.
NOTE If you do not need a three-month payment holiday, then their are better mortgage products available at a lower cost. Contact us today to explore how this game-changing mortgage can help you confidently step onto the property ladder!
As Seen On
- Mortgage Solutions Skipton BS brings out Delayed Start mortgage for FTBs
- Guardian One-of-a-kind ‘Delayed Start’ mortgage launched in UK
- The Standard First-time buyer mortgages with no repayments for first three months unveiled
News
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Bank of England Housing Update (May 2025) >
Bank Base Rate cut to 4.25%
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First Time Buyer Mortgage, Pay Nothing for 3 Months! >
First Time Buyers! Pay NOTHING for 3 month. Move in, settle down, with just a 5% deposit.
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A BTL Mortgage from 2.99% in 2025! >
New TMW 2.99% landlord mortgage sounds great, but a 3% fee means it’s not always the best deal!
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New LTD Company BTL Lender >
Coventry just launched a Limited Company Buy-to-Let Mortgage.
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7x Income on Longer-Term Mortgages >
Secure a mortgage of up to £350,000, compared to £225,000 under the standard limit.
- Buy-to-Let Named Most Popular UK Business >
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Bank of England Housing Update (February 2025) >
Bank Base Rate CUT to 4.5% mortgages continue to fall and Housing is looking positive.
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New LTD Company BTL Lender (Buckinghamshire) >
Limited Offer! Buckinghamshire Building Society just launched a market-leading 5.49% fixed rate for 5 years on Limited Company Buy-to-Let Mortgages.
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Why are Mortgage Rates Converging? (2 & 5 Year Fixes) >
The mortgage landscape has shifted! With the gap between two-year and five-year fixed rates at its lowest in two years, what does this tell us about economic forecasts?
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Rental Yields Rise in England and Wales: A Positive Outlook for Buy-to-Let Investors in 2025 >
Discover why now might be the perfect time to invest in buy-to-let properties as rental yields increase and market optimism grows.
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Ban on Upfront Rent for Landlords >
Labour tightens Renters Rights Bill
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UK Buy-to-Let Landlords Adapt and Thrive >
Landlords are seeking higher yields from unusual properties
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BTL Affordability Boosted by Santander >
A borrowing boost for Landlords choosing Santander
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Chronic shortage in rentals >
21 tenants for each home, as landlords plan to sell.
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Costs & Benefits of Landlords Going Green >
House Prices Up by going green but not enough, says TMW.
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Deadline for Right-to-Buy Discount Looms >
Act now to benefit from the higher discounts.
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Bank of England Housing Update (November 2024) >
Bank Base Rate is stays at 5.25% but Housing is looking positive.
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Stamp Duty Increase >
Today was the first increase in Stamp Duty (SDLT) the next is in April.
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Landlords have More Intercompany Loan Options >
Landlords have More Intercompany Loan Options
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Bank of England Housing Update (September 2024) >
Bank Base Rate is stays at 5.25% but Housing is looking positive.
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Bank of England Housing Update (August 2024) >
Bank Base Rate CUT to 5.00% mortgages continue to fall and Housing is looking positive.
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August Rate Cut Uncertainty: Mortgage Insights >
Bank Base Rate Cut in August, no November or maybe ..
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Metro Bank Unveils Limited Company Buy-to-Let Mortgages >
WIth Market-Leading Mortgage Products
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Labour promises 5% deposit mortgages >
Freedom to Buy Scheme is claimed to help 80,000 First Time Buyers
- Inflation rate has dropped to 2.3%, the lowest in three years >
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Improve Landlords Mortgage Conditions, Demands Tenants! >
Some banks prohibit tenants from having longer tenancies.
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BTL Affordability Boosted by Landbay for Remortgages >
A borrowing boost for Landlords choosing LandBay
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Bank of England Housing Update (May 2024) >
Bank Base Rate is stays at 5.25%, Mortgage Rate Up but Housing is looking positive.
Get in touch
We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.
- Phone number
- 01133 205 902
- [email protected]
- Postal address
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31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX
Looking for career in Mortgage Advice? View job openings.
We are authorised and regulated by the Financial Conduct Authority (No. 919921). The FCA does not regulate most Buy to Let mortgages.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX