Get Expert Support for Clydesdale Bank Mortgages
Specialist Support for Clydesdale Bank Mortgages
Clydesdale Bank, part of Virgin Money, is known for flexible lending, strong support for complex incomes, and competitive residential and buy-to-let rates. They take a practical view when assessing income, especially for self-employed clients and contractors. At Mortgage-Tek, we help you access Clydesdale’s best mortgage options with clear guidance from start to finish.
We work with more than 120 mortgage lenders, including
Why
Why Clydesdale Bank Is a Great Option
Why Clydesdale Bank Could Be the Right Fit for You
Clydesdale Bank is a popular choice for borrowers who need a lender willing to look beyond basic criteria. They specialise in supporting clients with non-standard income, including contractors, self-employed professionals, and people with multiple income sources. Their manual approach gives you a better chance of being approved, even if your case is more complex.
They also offer a broad range of competitive mortgage products, covering first-time buyers, remortgages, buy-to-let, and large loan lending. Because Clydesdale works closely with brokers, Mortgage-Tek helps you access the right deal, prepare your documents, and move your application forward smoothly.
Criteria of Clydesdale Bank Mortgage
Who Can Apply for a Clydesdale Bank Mortgage?
Broker Requirement
 While some products allow direct applications, many of the best deals are available through brokers like Mortgage-Tek.
Age Criteria
Minimum age 18. Maximum age at end of term usually ranges from 70–75 depending on the product and income type.
Residency Status
 Applicants must have UK residency and provide full address and credit history checks.
Minimum Income
Residential mortgages: No strict minimum, subject to affordability checks.Â
Self-Employment History
Typically 2 years of accounts are required, but in some cases, 1 year may be considered with strong supporting evidence.
Contractor Criteria
Contractors can apply using their day rate or contract value, subject to contract history and industry stability. Clydesdale often accepts IT, engineering, and professional sector contractors.
Credit Profile
A clean credit profile is preferred. Minor issues may be reviewed individually. Recent defaults or CCJs may affect eligibility.
Property Standards
 The property must pass Clydesdale’s valuation and meet standard construction rules.
Affordability Checks
Clydesdale runs detailed affordability and stress tests to ensure the mortgage remains manageable even if interest rates increase.
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Buy-to-Let Requirements
Rental income must meet the required ICR (Interest Coverage Ratio), typically 125%–145% depending on tax band and product.
Benefits of Securing Clydesdale Bank Mortgage
Why Choose a Mortgage from Clydesdale Bank Mortgage?
Clydesdale Bank offers a flexible and borrower-friendly approach, making them a strong option for many applicants.
Flexible for Complex Income
Ideal for contractors, self-employed clients, and those with variable or multiple income streams.
Manual Underwriting
Cases are reviewed by real underwriters, which helps when your situation doesn’t fit standard criteria.
Competitive Interest Rates
A wide choice of residential and buy-to-let products, including competitive fixed deals.
Buy-to-Let Friendly
Options for individual landlords and limited companies, plus support for portfolio landlords.
Support for Product Transfers
 Existing borrowers can switch to new products without full applications.
Backed by Virgin Money Group
As part of a major UK banking group, Clydesdale offers long-term stability and trusted service.
Partnering with Clydesdale Bank Mortgage
Our Role in Securing Your Clydesdale Bank Mortgage
At Mortgage-Tek, we know how Clydesdale Bank assesses income, affordability, and property types. We match you to the right mortgage, prepare your application, and handle communication directly with their underwriting team. With our support, you avoid delays and improve your chances of securing the most suitable deal for your home or investment plans.
Compare & Find the Right Mortgage For You
Compare Clydesdale Bank Mortgage with Other UK Mortgage Options
Mortgage Comparison
 Compare Clydesdale Bank with other leading UK lenders to see how their flexible criteria and competitive pricing match your situation. Whether your income is straightforward or complex, we’ll help you find the best fit.
Mortgage Quote
Get a tailored mortgage quote from Clydesdale Bank through Mortgage-Tek. We assess your information and show what you could qualify for, quickly, clearly, and without pressure.
BORROW
Curious About How Much You Can Borrow?
Not sure how much Clydesdale Bank may lend you? Use our borrowing calculator for a quick estimate based on income and outgoings. Whether you’re buying your first home or investing in property, the calculator gives you instant guidance without affecting your credit score.
Your Estimated Borrowing Amount
Let’s Connect
Looking to speak with an expert about Clydesdale Bank Mortgages?
Don’t let strict criteria or uncertainty slow you down. We’ll help you secure a Clydesdale mortgage that fits your needs, with advice that’s personal, fast, and easy to understand.
Let’s move you closer to your next home or investment.
FAQ’s
Can I apply directly with Clydesdale Bank?
Some products allow direct applications, but many competitive deals are available only through brokers like Mortgage-Tek.
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Does Clydesdale accept self-employed or contractor income?
 Yes. Clydesdale is known for its flexible approach to contractors, freelancers, and self-employed clients, especially when income is consistent.
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What is the minimum deposit required?
 Residential: Deposits may start from 5% (95% LTV).
Buy-to-let: Normally 20–25% depending on property type and applicant profile.
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Can limited companies apply for buy-to-let mortgages with Clydesdale?
Yes. Clydesdale supports SPV limited companies with the required documents, including accounts and director information.
How long does it take to get a mortgage offer?
Most offers are issued within 10–15 working days after submitting all required documents, depending on valuation and case complexity.
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What credit score do I need?
They do not publish a set score. A clean profile helps, but minor issues may still be reviewed depending on the case.
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