Base rate reduction

The Bank of England has cut the base rate. We’ve reviewed our own rates in light of that, and the rate on your savings account is going down too.

Here’s what’s changing, when it changes, and what your options are.

Maturity

Your [product] matures on [date]. Before then, you’ll need to tell us what you’d like to do next.

You have three options. We’ve set them out below, with what each one means for your money and how to choose.

Rather talk it through? A free My Money Review takes about an hour. In branch or by video. No pressure to take a product at the end.

Missed mortgage payment

We’ve not received your latest payment under the plan we agreed.

Life doesn’t always go to plan. We know that. So before anything else happens, please get in touch — we’d rather work through this with you than send another letter.

Bereavement

We’re sorry to hear about [Name].

Dealing with a loved one’s finances is one of the hardest things you’ll do. We want to make our part of it as simple as we can.

Everything you need to know about the outstanding mortgage is on the next page. One person at Skipton will handle this with you from start to finish.

Welcome to Skipton

Welcome to Skipton.

You’re a member now, not a customer — which means you own a share of how this place runs. We’ll keep things plain, keep things fair, and keep you in the loop.

Birthday

Happy birthday from everyone at Skipton.

Another year as a member. Thanks for being one of us.

Membership

Being a member of Skipton means something specific. There are no shareholders to pay before you. The money we make goes back into rates, services, and the places we operate in.

That’s the deal. It has been since 1853.

Tone in action

Rates up. Rates down. Rates sideways. Whatever the market’s doing this week, your plan shouldn’t need rewriting every Monday. Here’s how to build one that holds.

172 years on. Still owned by members. Still answering to members. Not a slogan — just how the building society model works.

Saving for something specific or saving just in case? Either’s fine. Both work better with the right account.

Tone in action

Save more. Pay less tax. That’s an ISA, more or less.

A first home is a long road. Here’s a fair start.

Owned by members. Run for members. Since 1853.

Plan your money with someone who’s done this before. That’s us.

Tone in action

Open a savings account today. Five minutes online, or twenty in branch. Either works.

Your account is changing on [date]. Here’s what’s different, what’s staying the same, and what (if anything) you need to do.

If any of this feels like a lot, call us. That’s what we’re here for.

Tone in action

Member Panel. Listening to members is how we stay a building society and not just a bank with a different sign. Tell us what’s working. Tell us what isn’t. We’ll use it.

Member Commitments. Our promise to you is short. Treat you fairly. Put you first. Give you more than just a competitive rate. We say it. Then we measure it.

Mortgage page. A new mortgage. A different term. A bit more borrowing. Whatever you’re after, remortgaging with us is built to be straightforward — not a maze.

Tone in action

ISA article. ISAs aren’t exciting. They’re just useful. Twenty thousand pounds a year, sheltered from tax on the interest. That’s the whole idea.

Savings rates article. Rates are rising. That’s good news for savers. It’s also news for HMRC, which is why a lot of people are about to pay more tax on their interest than they were expecting. Here’s how that works, and three ways to keep more of what you’ve earned.

Tone in action

Financial advice brochure. So — what’s financial planning, and what does it actually do for you? Plain English. No jargon for jargon’s sake. Just enough information to know whether it’s worth a conversation.

Inheritance tax brochure. Inheritance tax isn’t nice to think about. We get that. But thinking about it now — early, properly, with someone who’s done this before — is how families end up keeping more of what they’ve worked for.

Tone in action

First home. Buying your first home is a long, slow, expensive thing. We’ve helped three generations of members do it. Whatever your deposit, whatever your timeline, we’ll walk you through it.

First savings. Saving is mostly habit. The account matters less than starting. Here’s a simple way in.

First pension. A pension is just a savings account with rules and a tax break. We’ll explain the rules, and the break, and what to do next. Step by step.

Tone in action

You’ve already made a few smart calls with your money. Here’s how to build on them.

You know markets move. The question is what your plan does when they do. Here’s how to think about it.

As a member, you’ve had a stake in this place for a while. The next decision — advice, estate planning, drawdown — is one we’re built to help with.

Tone in action

Saving doesn’t have to be complicated. Little decisions, made early, make a real difference later. Here’s a simple first step.

Already saving? Check the rate. Check the access. Make sure your money’s working as hard as you are.

Buying a home

A first home is a long road. Years of saving, weeks of paperwork, one big day. We’ll keep our part of it as simple as we can.

Remortgaging

A new product. A different term. A bit more borrowing. Whatever you’re after, remortgaging with us is built to be straightforward.

Mortgage ending

Your mortgage is almost paid off. That’s a real thing — most people don’t get there. Here’s what happens next, and what your options are.

Tone in action

Investing isn’t a shortcut. It’s a longer-term plan with a different shape of risk. We’ll be honest about the trade-offs. Honest about the costs. Honest about what we can and can’t promise. That’s how this works.

Tone in action

Inheritance tax won’t go away by ignoring it. But it won’t ruin your family either — not if you plan early, plan properly, and plan with someone who’s done this before. That’s us.

When you die, if your estate is worth more than the threshold, your family pays 40% on anything above it. The estate is most of what you own — your home, your savings, your car, your belongings — minus what you owe.

Tone in action

Bereavement. We’re sorry for your loss. Dealing with a loved one’s finances is one of the hardest things you’ll do, and we want to make our part of it as simple as we can. One person here will handle everything with you. Their number is on the next page. Call when you’re ready.

Missed payments. We haven’t received your latest payment under the plan we agreed. Life doesn’t always go to plan. We know that. Please call us so we can talk through what’s happening and what we can do next.