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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

Best First Time Buyer Mortgage Provider - Moneyfacts Awards 2014

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 and one free home valuation. Until February 28th, 2015, we'll give you £1000 cashback and no arrangement fee on a selected range of our mortgages, for residential home purchases only. To qualify the minimum loan amount is £50,000 and the cashback will be paid at mortgage drawdown. The maximum loan value is £999,999. Other fees apply. See full offer details.

*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.

indicates product includes £1000 cashback for residential purchases 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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Until
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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 22nd December 2014)
* Standard Variable Rate

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