We are proud to be different when assessing your client's BTL mortgage application and that means our criteria can be a bit different from other lenders so here are some of our key criteria points in brief, including details of our overall affordability assessment. For full information please see our A-Z of BTL lending criteria.
Key criteria at a glance
We do not lend on the following types of property or loan
Overall affordability assessment
Joint liabilities with external parties - Our affordability assessment is based solely on the income of our applicant. If the applicant has any liability joint with an external party, this liability must be affordable solely on the income of our applicant. For example, if our applicant has a residential mortgage with their partner, who is not party to our BTL mortgage application, the assessment of residential affordability will not take the partner's income in to consideration.
If you are not an intermediary of the Bank, you should not refer to the information contained in this website. If you are a professional and you reproduce any part of the information contained in this communication, to be used with or to advise retail clients, you must ensure it conforms to the Financial Conduct Authority's mortgage conduct of business rules. This site is intended for UK residents (who are intermediaries of the Bank) unless otherwise stated.
Clydesdale Bank PLC Registered in Scotland (Number SC001111). Registered Office: 30 St Vincent Place, Glasgow G1 2HL.