Great reasons to use Clydesdale Bank
We understand every client has different needs. That’s why we’re proud to deliver intermediary solutions as individual as your clients.
Your clients come to you because you’ll find a mortgage solution that fits their needs, not a lender’s. Brokers come to us because we understand this and we’re able to adopt a flexible approach and assess cases on their individual merits.
Our team will work with you to understand your client and what we may be able to do for them, helping you to find solutions.
Here’s some of our key product and policy highlights.
Non-standard Income
We’ll discuss non-standard income streams and more complex income structures to see if we can find a way to assist your clients.
Buy To Let
We are proud to be different when it comes to assessing your client’s BTL mortgage, and that means making an overall affordability assessment. We can lend to first-time landlords, non-owner occupiers and first-time buyers.
Large Loans
You get direct access to underwriters for £500k+ loans.
Interest Only
We lend up to 75% LTV with a range of acceptable repayment vehicles. Capital & Interest top up to 85% LTV available.
Self-employed
We’ll use the customer’s share of post-tax profit plus director’s remuneration.
Professionals
Our mortgages for professionals are available where one or more of the applicants are employed in an accepted occupation, with loans available up to £1m up to 90% LTV.
Contractors
We can accept applicants with a one-year contracting history for mortgages up to 95% LTV or under one-year to 70% LTV.
Foreign Nationals
Up to 95% LTV is one applicant has ILR, 90% if no ILR but one applicant earns £75k, 85% otherwise.
Offset Mortgages
Credit balances in linked Clydesdale offset savings and current accounts do not earn credit interest. Instead they reduce the interest paid on the mortgage. As there is no credit interest paid, there is no tax to pay on interest either. Sole Traders or Simple Partnerships can offset their business accounts.
First Time Buyers
- Currently available up to 85% LTV.
- No product fee.
- We’ll consider any applicant who has not had a mortgage in the last 12 months as a first time buyer.
New Build mortgage criteria
- We lend up to 85% on residential new build flats and houses across England and Wales.
- We lend up to 75% on buy to let new build flats and houses across England and Wales.
- Extendable offer periods of 6 months + 6 months.
- We offer priority underwriting for new build applications.
- All valuations are instructed on day 1.
Join our Panel
You can find our current rates and full details of our lending criteria on our website. If you’ve got any questions, you can get in touch with your Business Development Manager.
For large loan new business enquiries of £500k or more, that are complex or that don’t meet our standard lending criteria, you can speak to our underwriters directly on 0113 224 1369. We’re here 9.00am to 5.00pm Monday to Friday.
For updates on an application you have already submitted, email us at [email protected] and our team will get back to you within four working hours.
For help and support submitting an online application, please refer to our FAQs. If you need further support call 0800 6783 066. We’re here 9.00am to 5.00pm Monday to Friday.
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Our underwriters adopt a flexible, tailored approach and take into account individual circumstances and can assess each case manually and on merit.
Over the years this flexible approach has allowed us to develop criteria to help a wide range of customers.
Get in Touch
You can find our current rates and full details of our lending criteria on our website. If you’ve got any questions, you can get in touch with your Business Development Manager.
For large loan new business enquiries of £500k or more, that are complex or that don’t meet our standard lending criteria, you can speak to our underwriters directly on 0113 224 1369. We’re here 9.00am to 5.00pm Monday to Friday.
For updates on an application you have already submitted, email us at [email protected] and our team will get back to you within four working hours.
For help and support submitting an online application, please refer to our FAQs. If you need further support call 0800 6783 066. We’re here 9.00am to 5.00pm Monday to Friday.
Useful Links
We have produced some hints & tips to assist with your completion of the application which will help us to process the application as fast as possible for your clients
https://www.clydesdalebankintermediaries.co.uk/how-to-apply/
Hints & Tips
Procuration Fees
Contact Details:
Support for Submitting an Online Application:
Click here to refer to our online FAQs.
If you need further support call 0800 6783 066. Lines open 9.00am to 5.00pm Mon-Fri.
Product & Policy queries, or Advice on Making an Application, speak to your BDM.
Quick Info on our Products or Lending Policy,
please use our Online Live Chat.
*Further Support for Case Tracker Service
Call 0800 9178 363. Lines open 9.00am-5.30pm Mon-Fri (Wed 9.30am-5.30pm).
*Underwriters can be contacted direct for:
Large Loan New Business enquiries of £750k or more, that are complex or that don’t meet our standard lending criteria. 9.00am to 5.00pm Mon-Fri.