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.