Mortgage Rates

Clydesdale Bank Mortgage Rates - October 2026

Current Clydesdale Bank residential, buy-to-let and product transfer rates, reviewed monthly. Compare against the whole market through DBF - whole-of-market broker, FCA 814533.

Next review: November 2026

Rates updated October 2026

Why use Doulton

Two reasons to use DBF for your Clydesdale Bank mortgage

DBF Product Transfer System

If you decide to stay with Clydesdale Bank at renewal, we process your product transfer through our dedicated system - faster than applying direct in many cases, with all paperwork handled on your behalf.

Cashback on like-for-like deals

Eligible clients who stay with their existing lender on a like-for-like product transfer can receive cashback - an incentive not available when applying direct. Ask us about eligibility.

We compare the whole market first - and if Clydesdale Bank is still the best option, we make the process faster and more rewarding. Get a free comparison or call 0204 6211776.

Whole-of-market mortgage comparison
No upfront fees on advice
Product transfer system for faster renewals
Cashback available on eligible like-for-like deals
FCA authorised 814533

Residential Mortgage Rates

Illustrative rates - reviewed October 2026. Subject to change. For accuracy, get a personalised quote.
Product	60% LTV	75% LTV	85% LTV
2-Year Fixed	3.94%	4.19%	4.54%
5-Year Fixed	3.84%Best	4.09%	4.44%
2-Year Tracker	5.09%	–%	–%
Standard Variable Rate (SVR)	8.04%

Buy-to-Let Mortgage Rates

Buy-to-let illustrative rates - October 2026. Subject to change.
Product	60% LTV	75% LTV
2-Year Fixed BTL	4.44%	4.74%
5-Year Fixed BTL	4.34%Best	4.64%

Product Transfer Rates

Product transfer rates are typically 0.1–0.2% below equivalent new deal rates. Cashback available on eligible like-for-like transfers through DBF.
Product Transfer Type	Indicative Rate	Cashback via DBF
2-Year Fixed Product Transfer	3.79%	Cashback available
5-Year Fixed Product Transfer	3.74%	Cashback available

About Clydesdale Bank

Clydesdale Bank is part of Virgin Money UK (now integrated into Nationwide Group), with a long presence in the Scottish and Northern English mortgage market. They offer a broad residential and buy-to-let product range through the intermediary channel, with pricing that sits in the competitive mainstream tier. Their Scottish lending heritage gives them specific expertise in Scottish conveyancing and property law.

Clydesdale Bank is well suited to home movers, remortgagers and first-time buyers seeking mainstream pricing with access to Scotland-specific mortgage expertise. Their buy-to-let offering covers standard rental properties and includes both individual and limited company applications. Broker access is straightforward and their processing times are generally reliable.

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Tell us about your mortgage and we will compare Clydesdale Bank's current rates against the whole market - free, fast and with no obligation.

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FAQs

Frequently asked questions

What is Clydesdale Bank's best mortgage rate in October 2026?

Clydesdale Bank's best rate in October 2026 is approximately 3.84% on a 5-year fixed at 60% LTV. Their range is competitive and well-suited to standard residential cases in Scotland and across the UK.

Can I get cashback on a Clydesdale Bank product transfer?

Yes - through Doulton Bridging Finance. Eligible clients renewing with Clydesdale Bank on a like-for-like product transfer can receive cashback when processed via DBF. This is not available when applying direct to Clydesdale Bank.

Is it faster to renew my Clydesdale Bank mortgage through a broker?

DBF's product transfer system can process Clydesdale Bank renewals faster than applying direct in many cases. We handle all paperwork and submission on your behalf and compare the whole market first to confirm Clydesdale Bank remains competitive.

What is Clydesdale Bank's SVR in October 2026?

Clydesdale Bank's Standard Variable Rate in October 2026 is approximately 8.04%. Customers who don't act when their fixed term ends revert to this rate. Contact DBF before your deal expires to compare alternatives.

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