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Find out how much your monthly repayments could be for your chosen loan amount.
Our hub has been designed especially for you, with a wide variety of hints and tips to help you keep your home and contents safe.
Your home may be repossessed if you do not keep up repayments on your mortgage
We offer first-time buyers a mortgage that can help them get onto the property ladder and give them something back too.
We offer no arrangement fee, no funds transfer fee and one free standard valuation on a range of mortgages.
*The loan-to-value ratio is the amount of your mortgage divided by the purchase price or mortgage valuation figure (whichever is lower).
You’re also free to apply for any of our other mortgages if you think that they offer a better match for your circumstances. The only thing to note is that the rewards package we offer first-time buyers is only available with our first-time buyer mortgage. Have a look at our first-time buyer mortgage.
Use our mortgage calculator to calculate your estimated monthly mortgage repayments.
We also have a first-time buyer guide to give you a better idea of all the things you need to consider to make your home buying journey as simple and stress-free as possible.
There are a huge number of mortgages available nowadays. Our dedicated mortgage advisors can help you choose a mortgage to fit your personal circumstances. The mortgages we offer are explained below.
These offer a rate of interest that is fixed for a set period of time. You can normally choose two, three or even five years as your fixed period. This means that you’ll not have to worry about interest rate changes as your mortgage has a fixed rate. So you can plan confidently knowing what your monthly repayments will be throughout the fixed period of your mortgage. Check out a list of Clydesdale Bank first time buyer mortgages.
These are mortgages based on the standard variable rate mortgage but they offer a discount. The rate you pay will still fluctuate based on your provider’s standard variable rate but your discount will normally offer you a better rate for a fixed period, usually between two and five years. They can be useful for people starting out on the housing ladder. But always be aware that the discounted rate will end and make sure you know what you’ll do when this happens.
An offset mortgage lets you use the money in your current and savings accounts to reduce the amount of interest you’ll be charged on your mortgage. All you need to do is link your eligible Clydesdale Bank savings and current accounts to your mortgage, and you won’t be charged any mortgage interest on the value of your savings.
When you link an eligible account to your mortgage, you offset its balance against your mortgage balance. So you’re only charged interest on the difference between the money in your account and the amount you owe on your mortgage. Interest is also calculated daily. The result: For repayment mortgages this means you could repay your mortgage earlier.
You won’t earn any interest on your savings when they’re linked to your mortgage, but you’ll still have the same access if you need to take some money out. The more money you have in credit balances, the more interest you will save.
Our offset mortgages are available on a discounted variable rate. This means your interest rate can vary, so your payments will decrease if there is a downward movement in interest rates. However, if interest rates rise so does the amount you have to repay.
Call us or use our online form to arrange an appointment. We’re here to help you every step of the way. We care about here.
We’ve created a range of tools and guides to help you understand the mortgage process.
Make sure you’re aware of the costs of buying a home and how many factors can influence the mortgage rate you get.
If you’re thinking of buying a property as an investment there are a few important things you need to be aware of.
Complete our online enquiry form and one of our advisors will be in touch to discuss your mortgage requirements and available options.
Got a question? Our advisors are available through live chat to help you find the answers.
Get in touch to discover how our advisors can help you live where you love.
Call us to speak to an advisor about a query or to apply for a mortgage.