Clydesdale Bank Reduces Selected Mortgage Rates for UK Borrowers – July 2025 Update

Clydesdale Bank has announced reductions on a range of residential mortgage products, effective from 23 July 2025. This update is significant for UK homeowners, first-time buyers, and those considering remortgaging, as these new rates could present an opportunity to secure a more cost-effective mortgage deal or switch to a better product.

New Clydesdale Bank Mortgage Rate Reductions – July 2025

The recent changes from Clydesdale Bank focus on their residential mortgage offerings, including core, exclusive, and large loan products. The adjustments are set to benefit a variety of borrowers looking for fixed or tracker rate deals.

• Core Residential Rates (including Product Transfers): Selected 2-year and 5-year fixed rates for loans with a 65%-80% loan-to-value (LTV) will see reductions of up to 0.22%.
• Exclusive Products:
  • 90% LTV 2-Year Purchase Exclusive: Rate reduced by 0.03% – a key change for those with smaller deposits.
  • 65% LTV 2 and 5-Year Existing Customer Product Transfer Exclusives: Reduced by up to 0.16%.
  • 50%-75% LTV 2-Year Large Loan Exclusive: Rate cut by 0.10%.

These reductions position Clydesdale Bank among the competitive UK lenders for 2025, particularly for those seeking reliable fixed-rate mortgages with moderate to high deposits.

What Do These Updates Mean for Borrowers?

The rate reductions offer improved affordability on selected products, translating to potential monthly savings for new applicants, existing customers considering a product transfer, and borrowers requiring large loans. Individuals with deposits between 20% and 35% (65%-80% LTV) are particularly well-placed to benefit from lower rates on both 2- and 5-year fixed terms.

• First-Time Buyers: The exclusive 90% LTV deal gives those with smaller deposits a more attractive entry point into the market.
• Remortgagers: Existing Clydesdale customers can access even better rates when switching via a product transfer, helping reduce repayment costs.
• Large Loan Borrowers: High-value loan customers see a rate reduction, which could add up to significant savings over the term.

Clydesdale Bank’s Key Advantages for Mortgage Applicants

Choosing Clydesdale Bank gives borrowers access to:

• Competitive fixed and tracker rates updated regularly for various LTV bands.
• Product transfer exclusives allowing existing customers to benefit from new rate reductions.
• Products suitable for first-time buyers with lower deposit requirements (as low as 10% on select exclusives).
• Support for large loans with dedicated products and competitive pricing.

Broker note: As lenders like Clydesdale update their rates and criteria frequently, submitting your documents and progressing your application quickly is vital. Rate changes may affect your eligibility or borrowing costs if delayed.

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Through Deal Direct Financial Solutions, you can now refer a friend who proceeds with their mortgage application and receive a £30 Amazon voucher. Simply send us their details, and our fully qualified advisers will follow up directly.

Why Act Now?

With ongoing market changes, securing a competitive mortgage or remortgage rate is time-sensitive. Our expert advisers provide access to all market-leading lenders and products – not just Clydesdale Bank – to ensure you get the best possible deal tailored to your circumstances.

Get Expert Mortgage Advice Today

If you’re interested in the latest Clydesdale Bank rates, want to compare all top UK mortgage deals, or have questions about eligibility, contact our specialist advisers today on 02392 006428. Fast advice ensures you won’t miss out on these reduction opportunities.

FAQs: Clydesdale Bank Mortgage Rate Reductions

• Who qualifies for Clydesdale Bank’s reduced rates?Most UK homeowners, existing Clydesdale customers doing a product transfer, first-time buyers (especially at 90% LTV), and large loan applicants can benefit, subject to meeting lending criteria.
• How will these rate changes affect my monthly payments?Lower interest rates typically reduce your monthly repayments on the affected products. Our advisers can illustrate your potential savings based on current deals.
• Can I secure a reduced rate if I’m not already a Clydesdale customer?Yes, rate reductions apply to new applicants and product switchers, depending on the specific product and your eligibility.
• How quickly should I act to secure the new rate?Act promptly—rates and criteria may change at any time. Starting your application quickly (and providing documentation within 7 days) helps lock in today’s deal.
• How do I apply or check if I qualify?Contact our team on 02392 006428 or email us for a quick, no-obligation assessment.