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Clydesdale Bank mortgage review

Our Clydesdale Bank mortgage review combines customer feedback with expert deal analysis to reveal whether the lender is worth considering next time you apply for a mortgage.

In this article
Coronavirus (COVID-19) update Clydesdale Bank mortgage customer ratings What kinds of mortgages does Clydesdale offer? Does Clydesdale Bank offer the best mortgage deals? Interest rates on Clydesdale Bank mortgages How much could I borrow from Clydesdale Bank?
Clydesdale Bank eligibility Can I make overpayments? How can I contact Clydesdale Bank? What else do I need to know about Clydesdale mortgages? What Clydesdale Bank’s mortgage customers say

Coronavirus (COVID-19) update

Clydesdale Bank has temporarily suspended applications from customers who are purchasing a property.

Clydesdale Bank mortgage customer ratings

Clydesdale Bank review
Which? Customer Score
18th out of 25 mortgage lenders
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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£1 for first month then £12.75/month unless cancelled

The table below shows how Clydesdale Bank performed in our latest mortgage satisfaction survey.

The survey asked Clydesdale Bank mortgage customers about everything from the application process to value for money.

Customer rating for: Star rating
Customer service

2 out of 5

Application process -
Value for money

3 out of 5

Keeping you well informed

3 out of 5

Clarity of statements

3 out of 5

Transparency of charges

2 out of 5

Query and complaint handling

3 out of 5

Ability to overpay or underpay mortgage 3 out of 5
Online access

4 out of 5


Star ratings based on a June 2019 Which? survey of 3,574 members of the general public, in which 35 people told us they had their mortgage with Clydesdale Bank.

What kinds of mortgages does Clydesdale offer?

When we checked in September 2019, there were more than 100 mortgages available from Clydesdale. Most of these were fixed-rate deals lasting two, three or five years.

Clydesdale also offered discount mortgage deals lasting two years. Some of these were offset mortgages, which allow you to link your savings and current accounts to your mortgage to reduce your interest payments.

Does Clydesdale Bank offer interest-only mortgages?

Yes, but these are only available if you apply through a mortgage adviser, or if you’re a private customer of either Clydesdale or Yorkshire Bank (both are part of the CYBG group).

The most you could borrow on an interest-only mortgage is 75% of the property’s value, and the property must be worth at least £400,000.


Does Clydesdale Bank offer the best mortgage deals?

Which? analysis has found that Clydesdale Bank offers slightly more cheap mortgages than the average lender. 

In order to work this out, our experts analysed thousands of mortgages over a four-week period in August 2019. They compiled a total of 208 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average number of times a lender made it into a table was 15, yet Clydesdale Bank featured 16 times. (Data source: Moneyfacts.)

Interest rates on Clydesdale Bank mortgages

The average interest rate on a two-year fixed-rate mortgage from Clydesdale is better than other lenders. At 2.11%, it's a few decimal points cheaper than the industry average of 2.77%.

How much could I borrow from Clydesdale Bank?

Below we’ve outlined how much you could potentially borrow with a Clydesdale Bank repayment mortgage in relation to the percentage of the property’s value.

Loan amount Maximum loan-to-value
£80,000 - £500,000 95%
£500,001 - £750,000 90%
£750,001 - £2,000,000 80%
£2,000,001 - £3,000,000 70%
Over £3,000,000 60%

If you’re applying for a mortgage on a new-build house, the most you could borrow is 90% of the property value. For a new-build flat, the limit is 80%.

If you're borrowing more than 85% of your property's value, Clydesdale can lend up to 4.49 times your income. 

Clydesdale Bank eligibility

To borrow from Clydesdale Bank, you must be over 18 and no older than 75 at the end of your mortgage term. 

Income and employment

Employed applicants have usually been employed for at least two years, but there is no minimum income requirement. 

Clydesdale considers applications from contractors with a minimum income of £50,000. If you have been contracting for less than two years, you will only be considered if your previous employment immediately prior was in the same sector. 

Leasehold properties

If you're applying for a mortgage on a leasehold property, there must be at least 30 years left on the lease at the end of the mortgage term. 

Clydesdale will consider properties with increasing ground rent, but only if the increases are deemed reasonable. 

Can I make overpayments?

Yes, although depending on your mortgage, you might have to pay early repayment charges.

How can I contact Clydesdale Bank?

Existing mortgage customers can contact Clydesdale on 0800 121 4203, and new customers can call 0800 022 4313.

The bank's website is

What else do I need to know about Clydesdale mortgages?

Clydesdale Bank manually underwrites applications for its mortgages. According to the bank, this means it may accept applications from borrowers who would be turned down by other mortgage providers.

Clydesdale can offer buy-to-let mortgages to borrowers aged 18 and over, and the most you could borrow is 80% of the property’s value. Buy-to-let mortgages are also available to first-time buyers.

What Clydesdale Bank’s mortgage customers say