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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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Since being taken over by Virgin Money, Clydesdale Bank is no longer taking mortgage applications from new customers. Clydesdale does still offer mortgages to existing customers.
Here, you can find out what real Clydesdale Bank mortgage customers thought about its service, what our expert analysis uncovered about its range of deals and the best Clydesdale Bank mortgage rates on the market right now.
Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our Clydesdale mortgage review
Real Clydesdale customer views
We've asked 45 Clydesdale Bank mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Clydesdale's mortgage rates to work out if it's a lender that offers competitive deals.
Clydesdale came in the top third of providers in our table. However, it scored just three stars across all categories. Our interest rate analysis found that typically another lender will offer a better rate.
74%
out of 21 mortgage lenders ranked on customer score (joint 6th)
Which? analysed thousands of mortgages, using Moneyfacts data, over eight weeks in the summer/autumn of 2025. We compiled a series of top 10 cheapest deals tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.
The average was five table appearances per week. Clydesdale averaged a measly 0.4 table appearances per week. This result means that for most mortgage scenarios, you would have found a better rate with another lender during our analysis.
You can see the mortgages Clydesdale is currently offering to homemovers and remortgagers in the tables below.
To see how Clydesdale Bank compares with other mortgage providers, head to our guide to the best mortgage rates and deals, which is updated every day.
| 60% | Clydesdale Bank | 74% | 4.09% | £1,499 | 6.99% |
| 60% fee free | Clydesdale Bank | 74% | 4.35% | £0 | 6.99% |
| 75% | Clydesdale Bank | 74% | 4.09% | £1,499 | 6.99% |
| 75% fee free | Clydesdale Bank | 74% | 4.4% | £0 | 6.99% |
| 85% | Clydesdale Bank | 74% | 4.09% | £1,499 | 6.99% |
| 85% fee free | Clydesdale Bank | 74% | 4.53% | £0 | 6.99% |
Table notes: Data from Moneyfacts, updated daily. Clydesdale Bank mortgages are only available for existing mortgage holders. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Clydesdale Bank had a sample size of 45.
| 60% | Clydesdale Bank | 74% | 4.1% | £1,499 | 6.99% |
| 60% fee free | Clydesdale Bank | 74% | 4.35% | £0 | 6.99% |
| 75% | Clydesdale Bank | 74% | 4.1% | £1,499 | 6.99% |
| 75% fee free | Clydesdale Bank | 74% | 4.4% | £0 | 6.99% |
| 85% | Clydesdale Bank | 74% | 4.44% | £1,499 | 6.99% |
| 85% fee free | Clydesdale Bank | 74% | 4.53% | £0 | 6.99% |
Table notes: Data from Moneyfacts, updated daily. Clydesdale Bank mortgages are only available for existing mortgage holders. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Clydesdale Bank had a sample size of 45.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked Clydesdale mortgage customers about their experience with the lender.
Here's how customers rated Clydesdale in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. The sample size for Clydesdale Bank was 45.
Overall, the feedback from most Clydesdale Bank customers was positive.
For example, one customer said that: 'They communicate very effectively and I always know what to expect with them.' Another customer reported that staff are 'friendly' and 'helpful'.
Most feedback on customer service was positive, although a few customers reported problems. One said: 'Customer service was poor and took too long to respond to calls.'
When we checked in September 2025, there were 55 mortgages available from Clydesdale Bank. 54 were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
Clydesdale mortgages had initial periods of two and five years.
Clydesdale Bank doesn't publish its borrowing caps, but you can use its affordability calculator to understand how much you might be able to borrow in relation to your annual salary.
Clydesdale Bank doesn't currently offer green mortgages.
Clydesdale mortgage products have a maximum term of 25, 35 or 40 years.
Why should you trust Which? research? We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence
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