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First time buyers

Helping you get on the property ladder

First time buyer guide Mortgage calculator FAQs

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 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, £250 cashback and one free home valuation. Other fees apply. Maximum loan amount £999,999.

*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
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 25th March 2015)
* Standard Variable Rate

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