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First time buyer mortgages

From 5% deposit

No arrangement fee

£1000 cashback on loans over £75,000

£1000 cash back for loans over £75,000. £250 cash back for loan under £75,000. Cashback on drawdown. Maximum loan amount £999,999. £1000 cash back offer ends 09/06/2015. Other fees apply. Over 18s only. Subject to status.


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

First time buyer mortgages: new for you – straightforward for us

Buying your first home brings with it a whole new experience. It may be new to you, but Clydesdale Bank has had many years of dealing with first time buyers. The experience that we have accumulated has allowed us to design mortgages to suit many circumstances. The Clydesdale Bank mortgage process will help you understand your options, and help give you confidence to make the best decisions for your own financial position.

If you are a first time buyer* with a minimum 5% deposit, you can apply for a first time buyer mortgage and receive the benefit of no arrangement fee and one free home valuation. We'll give you £1000 cash back until 9th June 2015 for residential home purchase mortgages over £75,000. For loans under £75,000, £250 cash back will apply to our first time buyer products. Cashback will be paid on drawdown. The maximum loan amount is £999,999. Other fees apply.

*First time buyers are eligible for the products shown below if you’re aged 18 or over and have never had a mortgage or haven’t had a mortgage for the past 12 months.

Best First Time Buyer Mortgage Provider - Moneyfacts Awards 2014

indicates product includes £1000 cashback for residential purchase only

The below table lists all first time buyer mortgages currently available
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Product name
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Max loan to value
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Initial rate
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Variable rate thereafter
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The overall cost for comparison is
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Arrangement fee
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Early repayment charge
3 year fixed rate90%3.59%4.95%4.7% APR£0YesMorehide
3 year fixed rate95%4.89%4.95%5.1% APR£0YesMorehide

(Rates correct as at 30th April 2015)
* Standard Variable Rate

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