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Satisfactory2.6(13 ratings)

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Reviewed by: Grumpybeachgirl

Despite being an existing customer, they told me I would not be able to speak to a mortgage advisor for 12 day...

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Does Clydesdale Bank provide your mortgage?

Tell us what you think of them because it will help others.

Compare Clydesdale Bank Mortgages

This comparison includes mortgages for this lender.

sorted by:

Most popular

  • Most popular
  • Maximum LTV
  • Lowest initial rate
  • Lowest subsequent rate (SVR)
  • Cheapest overall cost
Clydesdale Bank 2 year fixed
Maximum LTV
90%
Initial rate
2.19% fixed until 30th November 2018
Subsequent rate (SVR)
4.7% variable
Overall cost for comparison
4.3% APRC
Fees
Application fee
No fee
Arrangement fee
£999 with an option to add to the loan
Booking fee
No fee
Completion fee
No fee
Product fee
No fee
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 3% of the amount paid, before 30th November 2017
- then 2% of the amount paid, until 30th November 2018

Other fees may apply.

More information on this mortgageLess information on this mortgage
Clydesdale Bank 3 year fixed cashback mortgage for first time buyers
Maximum LTV
95%
Initial rate
3.99% fixed until 30th November 2019
Subsequent rate (SVR)
4.7% variable
Overall cost for comparison
4.6% APRC
Fees
Application fee
No fee
Arrangement fee
No fee
Booking fee
No fee
Completion fee
No fee
Product fee
No fee
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 6% of the amount paid, before 30th November 2017
- then 5% of the amount paid, until 30th November 2018
- then 4% of the amount paid, until 30th November 2019

Other fees may apply.

More information on this mortgageLess information on this mortgage
Clydesdale Bank 2 year fixed
Maximum LTV
80%
Initial rate
4.79% fixed until 30 Nov 2018
Subsequent rate (SVR)
5.1% variable
Overall cost for comparison
5.3% APRC
This is a buy to let mortgage.
Available in branch only.
Fees
Application fee
No fee
Arrangement fee
£499 with an option to add to the loan
Booking fee
No fee
Completion fee
No fee
Product fee
No fee
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 3% of the amount paid, before 30th November 2017
- then 2% of the amount paid, until 30th November 2018

Other fees may apply.

More information on this mortgageLess information on this mortgage
Clydesdale Bank 5 year fixed
Maximum LTV
80%
Initial rate
4.99% fixed until 30 Nov 2021
Subsequent rate (SVR)
5.1% variable
Overall cost for comparison
5.3% APRC
This is a buy to let mortgage.
Available in branch only.
Fees
Application fee
No fee
Arrangement fee
£999 with an option to add to the loan
Booking fee
No fee
Completion fee
No fee
Product fee
No fee
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 5% of the amount paid, before 30th November 2018
- then 4% of the amount paid, until 30th November 2019
- then 3% of the amount paid, until 30th November 2020
- then 2% of the amount paid, until 30th November 2021

Other fees may apply.

More information on this mortgageLess information on this mortgage
Clydesdale Bank 2 year fixed
Maximum LTV
75%
Initial rate
2.09% fixed until 30th November 2018
Subsequent rate (SVR)
4.7% variable
Overall cost for comparison
4.4% APRC
Fees
Application fee
No fee
Arrangement fee
£499 with an option to add to the loan
Booking fee
No fee
Completion fee
No fee
Product fee
No fee
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 3% of the amount paid, before 30th November 2017
- then 2% of the amount paid, until 30th November 2018

Other fees may apply.

More information on this mortgageLess information on this mortgage
Overall representative example for all mortgages on money.co.uk

Based on borrowing

£170,000 over 25 years

The overall cost of comparison

4.23% APRC representative

Initial rate

2.64% fixed for 2 years(24 instalments of £788.35pm)

Subsequent rate (SVR)

4.41% variable for the remaining 23 years
(276 instalments of £922.40pm)

Fees

£859

Total amount payable

£274,362.35

Clydesdale Bank mortgages reviews

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Does Clydesdale Bank provide your mortgage?

Tell us what you think of them because it will help others.

18/02/16

Appalling wait for re-mortgage

Despite being an existing customer, they told me I would not be able to speak to a mortgage advisor for 12 days! This is totally unhelpful as we have sold out property and are at the stage where we want to make offers on potential houses. They will not give me another appointment and we may now have to pay fees to get a mortgage with a new lender. Unbelievably frustrating. They've lost our custom for good.

Although everyone I spoke to on the phone was most apologetic, their sympathy did not get me closer to speaking to the right person about my mortgage. How can you take our money each month yet not be in a position to communicate with a paying customer? First Direct Mortgage staff will speak to you until 10pm most nights except weekends - they need to listen to First Direct!

1
Poor
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

16/11/14

Recommended

This was our first mortgage with the Clydesdale Bank for any product

This is the first time I have purchased any product from the Clydesdale Bank. I have not had any problems withe service provided or I have not needed to contact the company re any concerns or difficulties. I would recommend the company for a mortgage as I have only experienced positive outcomes to date. I would consider this company for future products.

No problems identified

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

05/06/14

False information

Poor customer service when trying to lodge my complaint. Didn't take any interest in customers concerns.

Was a first time buyer, the mortgage adviser done my checks which I passed then took property details. Had the home report and I was approved for mortgage. Told to get a solicitor and to make a bid on property. I done this then waited for home loan applications and standing order form to be sent out. On waiting for this I asked my MA again of should hand my notice in for my current rented accommodation she said yes definitely. I done this. Handed back all the signed paper work (which had to be sent out 3 times because was incorrect on banks behalf). Two days later I emailed my MA to make sure everything was ok. She said it was an I had nothing to so now and they would speak with my solicitor. 3 hours later I received a call saying they won't lend as it's steel structure. Now they had the home report from very start of application and 5 weeks later they tell me this after telling me was all done and to hand in notice. It states on home report it's steel so this should have been picked up on.

On complaining they weren't helpful and passed the blame continuously. I certainly would NOT recommend Clydesdale Bank. And I have a good mind to change accounts who I have been with for 20 years. Ridiculous. May seem sour grapes but after getting told to hand in notice and being wrongly advised throughout I'm sure you can see my frustration with being left with fees etc and no home with three children.

Everything

1
Poor
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

27/06/13

Awful customer service

They sent my mortgage statement to an incorrect address. Have issued conflicting details about my mortgage. When I have tried to call them, they rarely return my calls. Very poor customer service

I'm leaving them

Too many to list

1
Poor
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

26/06/14

FTB application

After waiting for nearly a month after the survey was done on the property, our application was declined on a single issue of a missed payment on an account that had already been closed before the payment was issued. So thanks to natwest bank. Clydesdale didn't want to know. Disgusting

1
Poor
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

Does Clydesdale Bank provide your mortgage?

Tell us what you think of them because it will help others.