Compare Clydesdale Bank Mortgage Rates & Fees

What types of mortgages can I get with Clydesdale Bank?

Frequently asked questions

• What are the advantages of Clydesdale's first time buyers mortgage?

  A mortgage with Clydesdale is an attractive proposition for first time buyers – included are £250 cashback at mortgage drawdown, fixed interest rates, expert advice, discount on home insurance, no product fee and free standard valuation.

• Can I switch to Clydesdale from another mortgage provider?

  Yes, you can. If you already have a mortgage and it’s either coming to an end or you’re on their standard variable rate, you can get in contact with Clydesdale to see if you can get a better deal. An advisor will be able to discuss your options with you in a branch.

• What is an offset mortgage and can I get one with Clydesdale Bank?

  An offset mortgage is a mortgage in which your savings and current account are linked to your mortgage account. This means that the mortgage balance that you pay interest on is reduced. When you open an offset account with Clydesdale, you’ll have the option of opening up to 6 accounts which can include current and savings accounts. Instead of earning interest, the deposited money in this account is used to offset the balance on your mortgage. So, if you have an £80,000 mortgage and £10,000 in your linked offset account, the monthly interest on your mortgage would be calculated based on £70,000 rather than £80,000.

• Can I take a payment holiday?

  Yes, you’re able to take a payment holiday so long as your mortgage isn’t a buy to let, you’ve made overpayments that are equivalent to 3 months payment, you’re not currently in a concessionary period, your payments are up to date and you haven’t had a payment holiday within the last year.

• Can I add or remove someone to my mortgage?

  While you’re able to do this, it does involve going through a new mortgage application with a Clydesdale mortgage advisor. To arrange this, call Clydesdale on 0800 022 4313.

• Can I make overpayments on my mortgage?

  Yes, although if you overpay by too much, you’ll face an early repayment charge. The maximum amount you can overpay without a fee differs depending on the mortgage.

• Can I make overpayments on my mortgage?

  Yes, although if you overpay by too much, you’ll face an early repayment charge. The maximum amount you can overpay without a fee differs depending on the mortgage.

• Are there any incentives for mortgage customers?

  Depending on your mortgage, you may receive up to £500 cashback upon mortgage completion.