Buy to let fixed rate - 5 years Capital and Interest BO1345

For loans up to 60% of property value

Product name	Buy to let fixed rate - 5 years Capital and Interest BO1345
Initial rate	4.89%
Initial rate expires on	31st July 2029
Rate thereafter	Offset variable Investment Housing Loan Rate, currently 9.99%
Overall cost for comparison	8.10% APRC
Product fee	£1,999
Option to add product fees to mortgage	The product fee can be added to the loan, unless it takes a residential loan over 95% LTV or a BTL loan over 80% LTV.
Legal and Valuation Fees	Purchases: None Re-mortgages: Free valuation and free legal fees (if using bank's own solicitors)
Eligibility	Applicants must be aged 18 or over. All loans are subject to status. Security will be required
Maximum loan amount	£1,000,000
Maximum loan to value	60%
Minimum loan amount	£1
Early repayment charge	5% in years one and two 4% in year three 3% in year four 2% in year five
Special offers	Re-mortgages: Free valuation and free legal fees (if using bank's own solicitors)
Overpayment permitted	Yes, up to 10% of outstanding loan each year without penalty
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Our online application makes it quick and easy to apply for your customer

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

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

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

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

For all lending policy and new business enquiries: