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First time buyer mortgages

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

Unlike the application process leading up to it.

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Mortgage calculator

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

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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.

Best First Time Buyer Mortgage Provider

For the second year running, we’re proud to have won the ‘Best First Time Buyer Mortgage Provider' accolade at the 2015 Moneyfacts Awards. This award endorses the competitiveness of our products and service and our commitment to first time buyers like you.

Benefits of our first-time buyer mortgages

Our first-time buyer mortgage products offer a range of rewards to help get you onto 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, with at least one party to the mortgage who has never had a mortgage or has not had a mortgage in the last 12 months.

  • £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.
  • Home insurance discount - Get a discount on our Home and Contents Insurance, provided by RSA.**

* Available on mortgage loans less than £999,999. Cashback is paid on mortgage drawdown.

** 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.

Applicants must be aged 18 or over. All loans are subject to status. Security will be required.

The Total amount of credit £100,680.00
The duration of the contract 34 years
The duration of the fixed rate period 3 years
The initial fixed rate 2.89%
The amount of the fixed rate instalments £387.92
The number of the fixed rate instalments 38
The frequency of the fixed rate instalments monthly
The variable rate 4.70%
The duration of the variable rate period 31 years
The frequency of the variable rate instalments monthly
The amount of the variable rate instalments £486.34 with a final payment of £492.95
The total amount payable £194,888.37
Product Fee £0 arrangement fee
£195 Security Release Fee
APRC 4.4%
LTV 90%

Our first time buyer mortgages

Please review our table of first-time buyer only mortgage products. 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

12 months free broadband for first time buyers
a house warming present to you

Line rental required at £16.99 per month, 12 month contract. Installation charge may apply if you don’t already have a phone line installed. Other set up fees may apply

Some help with the costs of getting online.

What's the deal?

Plusnet would like to offer you 12 months of unlimited free broadband in your new home when you sign up to a 12-month line rental package costing £16.99 a month. Plusnet scores higher in customer satisfaction than Sky, Virgin or Talk Talk ~.

~According to GfK Consumer Attitudes Tracker February 2015 – January 2016 inclusive. To verify, please visit plus.net/satisfaction

Terms and conditions

Prices, content and terms may vary at any time during the contract. Plusnet will let you know about important changes in advance.

Offer available to Clydesdale Bank First Time Buyer mortgage customers taking a qualifying product who are not existing Plusnet customers and who call Plusnet, quote the voucher code given and sign up to a 12-month contract for Plusnet Unlimited broadband with Plusnet line rental, within 90 days of the date of their mortgage offer. Plusnet line rental costs £16.99 a month.

If you live in a low cost area you will pay a total cost of £16.99 a month for the first 12 months, then £26.98 a month from month 13 (otherwise £16.99 a month for the first 12 months, then £34.48 a month from month 13). If you need a new phone line installed at your property, there is a £49.99 installation charge, excluding external construction charges. There is also a £6.99 charge for router delivery, should you choose one. Traffic prioritisation applies, see Plusnet's website for more information. Exclusions apply. Payment by Direct Debit required. For full details of Plusnet’s terms and conditions please visit plus.net/terms


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

Family

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

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