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Lending Criteria

You can find information on our general lending criteria for residential and buy to let mortgages below.

This information is intended for guidance only and will not cover all scenarios. We continue to review all submitted applications on a case by case basis, ensuring your client is treated as an individual. Using the information below to ensure your client's application meets our basic requirements before it is submitted will help to avoid any unnecessary delays and speed up our application process. If you can't find the information you're looking for, or need further clarification, your Clydesdale Bank and Virgin Money BDM can answer your questions.

From time to time we may vary our lending criteria and apply additional criteria to some products.


Residential Lending Criteria

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Buy to Let Lending Criteria

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Our online application makes it quick and easy to apply for your customer

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To discuss product and policy queries, or for advice on making an application, speak to your Clydesdale Bank and Virgin Money BDM.

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For quick info on our products or lending policy, visit our product and lending criteria pages or use our live chat.

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To discuss applications already submitted, please call 0800 917 8363.*

*Monday - Friday, 9.00am - 5.30pm, except Wednesdays, 9.30am - 5.30pm

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