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 (July 2026) >
Six-to-three vote to hold at 3.75%
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Your 6-month window to insure against mortgage rate rises >
Do not wait until your deal ends and you slip onto your lender's standard variable rate.
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New 2% deposit mortgage >
First Step stands out for what it allows. It accepts gifted deposits, lends on new-build houses, and considers self-employed applicants.
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Ask your accountant about Family Investment Companies (FICs) and BTL >
Mortgage Advisers now have lenders who are comfortable with Family Investment Companies (FICs).
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Fraudsters tried to steal 55 UK homes last year by faking ownership >
Criminals steal your identity and forge a few documents. They then sell your home, mortgage it, or transfer ownership. AI is making it worse. Forged documents now slip past checks built for an older era of fraud.
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Your home's value crept up in June 2026 >
Nationwide says all 13 UK regions posted price rises in the second quarter; however, the market isn't booming or busting. It's treading water, waiting for clarity.
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
- hello@cyborg.finance
- 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