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Switch your customer to another Clydesdale Bank mortgage

You can apply up to 6 months in advance of your customers rate expiry

A procurement fee of 0.2% will be paid on all product transfer business.

All loans are subject to status and applicant must be aged 18 years or over. First time buyer products are not eligible.

(Information correct as at 11th July 2024).


Your customer could save 50% on their product fee for sticking with Clydesdale Bank. It’s our thank you for feeling right at home with us.
  1. Step 1

    Select the applicable option below, complete the details to find the available mortgage product. Click the +button to review the selected product and then apply.

  2. Step 2

    Complete the online application form. It is only necessary to input the first applicant's details.

  3. Step 3

    We will send you and the customer an offer to review. Should we not hear from you or the customer within 10 days from the date the offer was issued we will proceed to transfer the mortgage to the selected product.

Review our range of mortgage deals

If you select a fixed rate mortgage product then your customer will not be eligible to link any offset accounts against their mortgage. If your customer currently has an offset mortgage any offset account linkage will cease when a fixed rate comes into force.

Please note that if your customer has previously made lump sum credits and/or regular overpayments to their mortgage with a view to using our borrow back facility in the future, by transferring to a new deal they will lose the ability to redraw these funds.

Where your customer is completing a new product switch application, they can also make further amendments to the mortgage during the final 3 months without incurring an Early Repayment Charge. These include:

Our online application service is only available for straight balance swap product transfers. If you are looking to apply for additional lending for your customer at the same time please complete our Residential or Buy-to-Let application form for a further advance or product transfer with additional borrowing.

If your customer does not have their current mortgage information these details can be requested here.

Residential mortgages - capital and interest

Product name Initial payment Initial rate Until Payment thereafter Variable rate thereafter The overall cost for comparison is Product fee  
 

Important Information

If your customer is currently in a fixed term or discounted deal period, the switch process can be started up to a maximum of 6 months before the current deal expires.

The product fees displayed for product transfers have already been reduced by 50% in comparison to the equivalent new business product.

Fees may apply. Please note: any valuation obtained by the bank is for bank purposes only.

Interest Only

Customers with an existing Clydesdale Bank interest only mortgage must have a strategy in place to repay the capital at the end of the term. We require the details of the repayment strategy to be submitted with the application form. For more information on the acceptable repayment strategies please visit our literature page. Where the customer holds a repayment strategy, but where this strategy is not listed on the acceptable repayment strategy list, a product transfer will be considered where the repayment strategy is:



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except Wednesdays, 9.30am - 5.00pm

In the first instance please check the Case Tracker.

Lending policy and new business enquiries

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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