Clydesdale Bank Mortgages

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Last updated on 09 November 2020.

Clydesdale Bank Mortgages FAQ

What is Clydesdale Bank?

Clydesdale Bank is part of the larger CYBG banking group, which also operates Yorkshire Bank in the UK. The bank was originally formed in Glasgow in 1838 and now runs a network of branches across Scotland and offers a range of banking products and services to the public, private and business customers across the wider UK.

Does Clydesdale Bank offer mortgages?

Yes, you can obtain a mortgage deal with Clydesdale Bank, whether you are a first-time buyer, are looking to move home, borrow more against your property or buy a house as a buy-to-let investment.

What mortgages does Clydesdale Bank offer?

  • Fixed rate mortgages: Fixed rate mortgages allow you to fix the rate of interest you pay for a certain number of years. There are a number of different options available to borrowers who want to fix their interest rates with Clydesdale Bank and fees and terms will vary depending on the specific mortgage you choose.
  • Discounted Standard Variable Rate (SVR) mortgages: These mortgage deals offer you the chance to take out a mortgage with a discounted Standard Variable Rate (SVR) of interest for a pre-agreed period of time. Within this timeframe, if the SVR increases, the interest rate payable will increase, but the discount is still applied.
  • Offset mortgages: There are several different types of mortgage-linked accounts available to Clydesdale Bank offset mortgage customers, all of which allow you to use your cash balance to reduce your interest rate. Offset mortgages make it easier to pay your balance off early and reduce the total amount of interest you pay on your mortgage, although fees may apply.

Does Clydesdale Bank offer first-time buyer mortgages?

Yes, Clydesdale does offer mortgages to first-time buyers, including fixed-rate mortgages. Clydesdale also offers advice and guidance to those who are new to buying a home. First-time buyer offers are available to those aged 18 and over and living in the UK.

Can I take out a buy-to-let mortgage with Clydesdale Bank?

Yes, buy-to-let investors can take out mortgages with Clydesdale Bank providing they fulfil all the lending criteria. The mortgages on offer to property investors are fixed rate mortgage deals and offset mortgages.

How do I apply for the Clydesdale Bank mortgage?

You can research which mortgages you might be eligible for on the Clydesdale Bank website, which you can navigate to from the comparison tables above. You can also get a decision in principle online. You will then need to make a full mortgage application appointment and an offer will be made providing all criteria are met and the valuation of the property in question is satisfactory.

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