Skip to content Go to accessibility help
We use cookies to keep our websites easy to use and relevant to our users' requirements and to enable us to learn which advertisements bring users to our website. We do NOT use cookies to collect any personal information about you. By continuing to browse our web pages, you agree that we may use cookies for these purposes. Find out more.×

First time buyer mortgages

Getting the keys to your first home should be a big deal.

Unlike the application process leading up to it.


Mortgage calculator

Use our mortgage calculators to find out how much you could borrow and estimate your monthly repayments.

How much can I borrow

Calculate mortgage repayments

Your home may be repossessed if you do not keep up repayments on your mortgage

Guiding you through your house buying journey

Buying a house for the first time can be a little daunting. It’s a bit like the first time you do anything, whether that’s riding a bike or falling in love. But once you’ve gained confidence, these occasions are some of the most momentous, exciting moments of your life. From starting out to completing the deal, we’ll help you at each stage of your journey to buying your first house - and making it your home.

Benefits of our first-time buyer mortgages

Our first-time buyer mortgage products offer some help to get you on the property ladder. Plus, you can be reassured that we can help make buying your first home as straightforward as possible and get you off to the best possible start. To qualify for the Clydesdale Bank first time buyer mortgage products, you must be aged 18 or over. At least one party to the mortgage should never have had a mortgage or not had a mortgage in the last 12 months. All loans are subject to status and security will be required.

  • £250 cashback - Get £250 cashback* on mortgage drawdown with our first-time buyer mortgage products.
  • Fixed interest rates - Have the comfort of knowing what your monthly repayments will be for your fixed term.
  • Expert advice - Get the right help and advice you need to help you find the right mortgage from those we offer.
  • Home insurance discount - Get a no claims discount on our home and contents insurance, provided by RSA.**
  • No arrangement fee. Other charges may apply.
  • Free standard valuation.

* Available on mortgage loans less than £999,999.

** Applies to new home insurance customers who have not claimed on their home insurance in the past 4 years and may not be used in conjunction with any other offer.

Representative example

A mortgage of £100,680 payable over 34 years, initially on a fixed rate of 2.89% for 3 years and then our Standard Variable Rate, currently 4.70%, for the remaining 31 years. This would require 38 monthly payments of £387.92 and then 369 monthly payments of £486.34 plus one final payment of £492.95.

The total amount payable would be £194,888.37 made up of the loan amount plus interest (£94,013.37), arrangement fee (£0), valuation fee (£0), CHAPS/telegraphic transfer fee (£0) and security release fee (£195).

The overall cost for comparison is 4.4% APRC representative.

Our first time buyer mortgages

Please review our table of first-time buyer mortgage products from our range. Other mortgages are available for those buying their first home, however the above first time buyer mortgage product benefits will not apply.

Find out more about our first time buyer mortgages

Enquire online

Arrange a branch or phone appointment with one of our mortgage advisors.

Complete our online form and we'll call you back to discuss your enquiry.

Enquire online

Making your first time easier

Saving for your mortgage deposit?

We know saving for a deposit for your first home is difficult. With a Help to Buy ISA, the government will pay a bonus of 25% on account balances between £1,600 and £12,000 when you purchase your first home in the UK. Terms and conditions apply, this bonus amount is paid directly to the conveyancer and is not released if the house purchase is not completed. Only available for house purchases under £250K (or under £450K in London). Withdrawing from your ISA will reduce your balance saved and impact the bonus the government will pay.

Please refer to our Help to Buy: ISA webpage for more details*

* There are eligibility criteria restrictions and terms & conditions for the Help to Buy: ISA. The account holder must be a UK resident. The product is only available to first time buyers who have never owned a property.

You can also refer to to understand more about the benefits provided by the government.

More help with mortgages

Girl planning her new home

Mortgage journey

We’ve created a range of tools and guides to help you understand the mortgage process.

Find out more about the mortgage journey


Financial considerations

Make sure you’re aware of the costs of buying a home and how many factors can influence the mortgage rate you get.

Find out more about financial considerations

Ready to apply?

Found a product you're interested in? Arrange a branch or phone appointment with one of our mortgage advisors.

Call to book an appointment
0800 022 4313

Not got time to talk right now?

Complete our online form and we'll call you back to discuss your enquiry .

Enquire online

Need more information

Our advisors are on hand to help with your mortgage queries.

Live chat with an advisor

Or call us on:
0800 022 4313

We're here:
Mon-Fri 8am-8pm, Sat 9am-5pm and Sun 10am-4pm