Skip to content

Interest Rates and Charges: Mortgages

Rates and charges for our mortgages

Rates of interest are subject to change but are correct as at 18th January 2010.

Click here to view interest rates and charges for Investment housing loans

Fixed Rate Mortgages Current
% p.a.
The overall cost for
Comparison
and
Current
APR+ is
Arrangement fee Early Repayment Charge
Fixed Rate for Loan to Value <= 60%
Fixed until 30th April 2012

Changing from 1st May 2012 for remainder of mortgage to our standard variable rate, currently
 3.99



4.59
 4.7%APR+  £999  See table below
Fixed until 30th April 2015

Changing from 1st May 2015 for remainder of mortgage to our standard variable rate, currently
 5.29


4.59
 5.2%APR+  £999  See table below
Fixed Rate for Loan to Value <= 75%
Fixed until 30th April 2012

Changing from 1st May 2012 for remainder of mortgage to our standard variable rate, currently
4.19


4.59
4.8%APR+ £999

 
See table below
Fixed until 30th April 2015

Changing from 1st May 2015 for remainder of mortgage to our standard variable rate, currently 
5.49


4.59
5.3%APR+ £999

 
See table below
Fixed Rate for Loan to Value <= 80%
Fixed until 30th April 2012

Changing from 1st May 2012 for remainder of mortgage to our standard variable rate, currently
5.49


4.59
5.0%APR+ £999

 
See table below
Fixed until 30th April 2015

Changing from 1st May 2015 for remainder of mortgage to our standard variable rate, currently 
6.49


4.59
5.7%APR+ £999

 
See table below
Fixed Rate for Loan to Value > 80%
Fixed until 30th April 2012

Changing from 1st May 2012 for remainder of mortgage to our standard variable rate, currently
5.99


4.59
5.1%APR+ £999

 
See table below
Fixed until 30th April 2015

Changing from 1st May 2015 for remainder of mortgage to our standard variable rate, currently
6.69


4.59
5.8%APR+ £999

 
See table below
First Time Buyers
Loan to Value <= 90%
Fixed until 30th April  2013

Changing from 1st May 2013 for remainder of mortgage to our standard variable rate, currently
5.99


4.59
5.2%APR+ £599 See table below
Fixed until 30th April  2013

Changing from 1st May 2013 for remainder of mortgage to our standard variable rate, currently
6.29


4.59
5.2%APR+ Nil See table below
Loan to Value > 90%
Fixed until 30th April 2013

Changing from 1st May 2013 for remainder of mortgage to our standard variable rate, currently
6.99


4.59
5.3%APR+ £599 See table below

Clydesdale Bank Offset Mortgage Current
% p.a.
variable
The overall cost for Comparison and Current APR+ is Arrangement Fee Early Repayment Charge
Offset variable rate <=80% LTV 4.59 4.9% APR+ £999 None
Offset 2 year discounted until 30th April 2012 <=60%.

Changing from 1st May 2012 for remainder of mortgage to our offset variable rate, currently 4.59%
2.99 4.6% APR+ £999 See table below
Offset 2 year discounted until 30th April 2012 <=75%.

Changing from 1st May 2012 for remainder of mortgage to our offset variable rate, currently 4.59%
3.29 4.6% APR+ £999 See table below
Offset 2 year discounted until 30th April 2012 <=80%.

Changing from 1st May 2012 for remainder of mortgage to our offset variable rate, currently 4.59%
4.49 4.8% APR+ £999 See table below

Early Repayment Charges
Term Percentage charge applicable during year of the Fixed & Capped Rate
  1st year 2nd year 3rd year 4th year 5th year
Fixed until 30th April 2015 5% 5% 4% 3% 2%
Fixed until 30th April 2012 3% 2% - - -
Offset discounted until 30th April 2012 3% 2% - - -
First Time Buyers
Loan to Value < = 90%
Fixed until 30th April 2013 5% 4% 3% - -
Loan to Value > 90%
Fixed until 30th April 2013 6% 5% 4% - -

Variable Rate Mortgages Current Interest Rate
% p.a.
The overall cost for comparison is
Flexible Payment
Mortgage
Standard Repayment
Mortgage
Interest Only
Mortgage
Variable Rate Offsale
Standard Variable Rate
(available as revert to rate only)
4.59 4.9% APR+ 4.9% APR+ 4.9% APR+

 


Current Account Mortgages

 Current Account Mortgage (on-sale Jan. 2009) Previous
% p.a.
variable
Previous
APR+
Current
% p.a.
variable
Current APR+ Arrangement Fee
Current Account Mortgage Interest Only (<= 60% LTV) Flexible Repay 4.59 4.9% 3.79 4.0% £999
Current Account Mortgage Capital & Interest (<= 60% LTV) Rapid Repay 4.59 4.9% 3.79 4.0% £999
Current Account Mortgage Interest Only (<= 75% LTV) Flexible Repay 4.59 4.9% 3.99 4.2% £999
Current Account Mortgage Capital & Interest (<= 75% LTV) Rapid Repay 4.59 4.9% 3.99 4.2% £999

Offsale Current Account Mortgages

 Current Account Mortgage Previous
% p.a.
variable
Previous
APR+
Current
% p.a.
variable
Current APR+ Arrangement Fee
Current Account Mortgage Interest Only Flexible Repay 2.74 N/A 2.24 2.4%  
Current Account Mortgage Capital and Interest Rapid Repay 2.74 N/A 2.24 2.4%  
Current Account Mortgage Interest Only (<= 80% LTV) Flexible Repay –withdrawn 25.09.09 N/A N/A 3.99 4.2%  
Current Account Mortgage Capital & Interest (<= 80% LTV) Rapid Repay – withdrawn 25.09.09 N/A N/A 3.99 4.2%  

+The APR varies depending on the amount and length of the loan and the repayment dates
Written quotations are available on request. All loans are subject to status and applicants must be 18 or over. Security is required. One or more of the following policies may be required: Endowment, Pension Plan, Mortgage Guarantee.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

Clydesdale Bank PLC is authorised and regulated by the Financial Services Authority.  Credit facilities other than regulated mortgages are not regulated by the Financial Services Authority.

Clydesdale Bank PLC 30 St Vincent Place Glasgow G1 2HL.  Registered in Scotland No: SC001111.