Brilliant Solutions

The internet is down in our Head Office.  Staff continue to answer the phone and respond to messages but understandably response times and service standards are affected.  Please contact your Relationship Manager directly if you have any urgent issues.  Thank you.

Our office will be closed from 5pm Thursday, 20th October to 9am Friday, 21st October.
If you have any cases or enquiries that this may affect, please contact our team today. We apologise for any inconvenience.

We are currently experiencing some technical issues that are affecting our telephone lines and internet connection.

We hope to resolve this asap. Apologies for the inconvenience.

 

In honour of Her Majesty Queen Elizabeth II our offices will be closed on Monday 19th September while our staff pay their respects.

The office will re-open at 9am on Tuesday 20th September.

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. 

Why choose Clydesdale Bank ?

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

Direct access to underwriters for £750k+ loans. Available to 75% LTV up to £5m.

Interest Only

We lend up to 75% LTV with a range of acceptable repayment vehicles. Capital & Interest top up to 80% LTV available to £2.5m.

Self-employed

We’ll use the customer’s share of pre-tax profit plus director’s remuneration.

Professionals

Our mortgages for professionals are available where one or more of the applicants are employed in one of the occupations listed here, with loans available from £80k up to £1m up to 85% LTV and to £750k 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.

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

  • Maximum residential New Build LTVs: Currently 85% for houses and 80% for flats, Maximum BTL New Build LTVs: 80% for houses and 70% for flats.
  • Dedicated specialist desks for both new enquiries and case management.
  • Offers valid for 180 days from date of issue 

New Build mortgage criteria

Join our Panel

To register on our panel, you’ll need to be registered with Virgin Money first.
You can do that at intermediaries.virginmoney.com.

Once registered on Virgin Money’s panel, you then need to register for Clydesdale’s Bank’s online portal, you can do that here.

Once you’ve registered and logged in for the first time you’ll be prompted to validate your details with us. You can do that by emailing [email protected] and quoting your company FCA number. 

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 £750k 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 open 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.

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