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Clydesdale Bank

Clydesdale Bank mortgages are suitable for first time buyers, home movers and existing customers hoping to switch to a more competitive deal.

Compare mortgages

Reason for mortgage
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years
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Fixed until 31/12/2018
Initial rate
1.49%then 4.7% (variable)
Fees
£1,914fees
Overall cost
4.2%APRC
Monthly cost
£639.15 for 24 months then £885.82 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,740 includes: Loan amount (£160,000); Interest (£99,826); Application fee (£999); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.59%then 4.7% (variable)
Fees
£1,914fees
Overall cost
4.2%APRC
Monthly cost
£646.69 for 24 months then £886.60 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,135 includes: Loan amount (£160,000); Interest (£100,221); Application fee (£999); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.69%then 4.7% (variable)
Fees
£1,914fees
Overall cost
4.3%APRC
Monthly cost
£654.28 for 24 months then £887.37 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,530 includes: Loan amount (£160,000); Interest (£100,616); Application fee (£999); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.79%then 4.7% (variable)
Fees
£915fees
Overall cost
4.3%APRC
Monthly cost
£661.93 for 24 months then £888.13 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,925 includes: Loan amount (£160,000); Interest (£101,010); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.79%then 4.7% (variable)
Fees
£915fees
Overall cost
4.3%APRC
Monthly cost
£661.93 for 24 months then £888.13 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing customers only
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,925 includes: Loan amount (£160,000); Interest (£101,010); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.89%then 4.7% (variable)
Fees
£665fees
Overall cost
4.3%APRC
Monthly cost
£669.63 for 24 months then £888.89 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,069 includes: Loan amount (£160,000); Interest (£101,404); Valuation fee (£430); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.89%then 4.7% (variable)
Fees
£1,914fees
Overall cost
4.3%APRC
Monthly cost
£669.63 for 24 months then £888.89 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 85% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,318 includes: Loan amount (£160,000); Interest (£101,404); Application fee (£999); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.99%then 4.7% (variable)
Fees
£915fees
Overall cost
4.3%APRC
Monthly cost
£677.39 for 24 months then £889.64 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,713 includes: Loan amount (£160,000); Interest (£101,798); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.99%then 4.7% (variable)
Fees
£665fees
Overall cost
4.3%APRC
Monthly cost
£677.39 for 24 months then £889.64 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £262,463 includes: Loan amount (£160,000); Interest (£101,798); Valuation fee (£430); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 31/12/2018
Initial rate
1.99%then 4.7% (variable)
Fees
£1,914fees
Overall cost
4.3%APRC
Monthly cost
£677.39 for 24 months then £889.64 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,712 includes: Loan amount (£160,000); Interest (£101,798); Application fee (£999); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 31/12/2018
Initial rate
1.99%then 4.7% (variable)
Fees
£1,414fees
Overall cost
4.3%APRC
Monthly cost
£677.39 for 24 months then £889.64 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,212 includes: Loan amount (£160,000); Interest (£101,798); Application fee (£499); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 31/12/2018
Initial rate
1.99%then 4.7% (variable)
Fees
£1,914fees
Overall cost
4.3%APRC
Monthly cost
£677.39 for 24 months then £889.64 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,712 includes: Loan amount (£160,000); Interest (£101,798); Application fee (£999); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2021
Initial rate
2.09%then 4.7% (variable)
Fees
£1,914fees
Overall cost
3.7%APRC
Monthly cost
£685.20 for 60 months then £864.29 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £250,455 includes: Loan amount (£160,000); Interest (£88,541); Application fee (£999); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 31/12/2018
Initial rate
2.09%then 4.7% (variable)
Fees
£1,914fees
Overall cost
4.3%APRC
Monthly cost
£685.20 for 24 months then £890.38 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £264,105 includes: Loan amount (£160,000); Interest (£102,191); Application fee (£999); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
2.09%then 4.7% (variable)
Fees
£915fees
Overall cost
4.3%APRC
Monthly cost
£685.20 for 24 months then £890.38 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,106 includes: Loan amount (£160,000); Interest (£102,191); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
2.09%then 4.7% (variable)
Fees
£1,914fees
Overall cost
4.3%APRC
Monthly cost
£685.20 for 24 months then £890.38 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £264,105 includes: Loan amount (£160,000); Interest (£102,191); Application fee (£999); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
2.09%then 4.7% (variable)
Fees
£1,414fees
Overall cost
4.3%APRC
Monthly cost
£685.20 for 24 months then £890.38 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,605 includes: Loan amount (£160,000); Interest (£102,191); Application fee (£499); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted until 31/12/2018
Initial rate
2.19%then 4.7% (variable)
Fees
£1,914fees
Overall cost
4.3%APRC
Monthly cost
£693.06 for 24 months then £891.12 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £264,497 includes: Loan amount (£160,000); Interest (£102,583); Application fee (£999); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
2.19%then 4.7% (variable)
Fees
£1,414fees
Overall cost
4.3%APRC
Monthly cost
£693.06 for 24 months then £891.12 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £263,997 includes: Loan amount (£160,000); Interest (£102,583); Application fee (£499); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
2.19%then 4.7% (variable)
Fees
£1,914fees
Overall cost
4.3%APRC
Monthly cost
£693.06 for 24 months then £891.12 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £264,497 includes: Loan amount (£160,000); Interest (£102,583); Application fee (£999); Valuation fee (£430); Legal fee (£250); Funds transfer fee (£40); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Clydesdale Bank

Clydesdale Bank was formed in 1838. It is the smallest of the three Scottish banks and until it was bought by Midland Bank in 1920, it remained independent. Following the merger, the Clydesdale became the largest bank in terms of assets, but as time went on and the other Scottish banks merged with larger institutions, Clydesdale ended up as the smallest. In 1897, Midland Bank sold Clydesdale to the National Bank of Australia in order to raise capital.

Today Clydesdale Bank is a major commercial bank with a wide range of financial products on offer to UK customers, including current and savings accounts, credit cards, loans, insurance, travel money and mortgages. The bank provides personal, private and business banking facilities, and like most other banks, it also offers internet banking services.

Typical Clydesdale Bank mortgages available at any given time include fixed rate, discounted, offset, buy to let and first time buyer mortgages. Customers can enquire about a Clydesdale Bank mortgage through the bank’s website or make an appointment directly to speak to a Clydesdale mortgage advisor.

First time buyers are sometimes eligible for certain benefits and may only need to provide a 5% deposit.

Each mortgage application is assessed on its own merits. Clydesdale Bank mortgage advisors look at an individual’s ability to afford the repayments on a mortgage rather than just their salary or income. Clydesdale Bank will lend money on most types of property, including holiday homes and buy to let, but exclusions may apply.

Customers wishing to switch to Clydesdale Bank from a different lender may be able to borrow additional funds on their mortgage as long as the total borrowing remains with the loan to value limit and affordability is not a problem.

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