Clydesdale Bank Announces Fixed-Rate Mortgage Increases: What UK Borrowers Need to Know (September 2025)

Clydesdale Bank Mortgage Rate Changes for September 2025

Clydesdale Bank, a prominent UK mortgage lender, has announced upcoming increases to selected fixed mortgage rates across its product range.

Set to take effect from Monday, 15 September 2025, these adjustments will impact residential, buy-to-let, and professional mortgage applicants.

Whether you are a first-time buyer, home mover, remortgager, or property investor, understanding these changes can help you plan your next step in securing a mortgage or remortgage deal.

Details of the New Clydesdale Bank Fixed-Rate Mortgage Changes

Borrowers considering a new application, or a product transfer, should take note of the following updates:

• Core Residential Mortgages:
  • 65% Loan-to-Value (LTV) 2 and 5 year fixed rates increased by up to 0.16%.
  • 75% LTV 2 and 5 year fixed rates increased by up to 0.10%.
  • 80% LTV 2 and 5 year fixed rates increased by up to 0.35%.
  • 85% LTV 2 year Fixed Rate Fee-Saver increased by 0.05% to 4.83%.
  • 90% LTV 2 year Fixed Rate Fee-Saver increased by 0.05% to 4.84%.
  • 95% LTV 2 and 5 year fixed (£999 fee) rates increased by up to 0.10%.
• Exclusive Offers:
  • Selected 75%-80% LTV residential remortgage fixed rates up by as much as 0.24%.
  • Residential purchase 85% and 95% LTV fixed rates increased by up to 0.15%.
  • £1m-£3m large loan exclusive fixed rates increased by up to 0.16%.
• Professional Mortgage Range:
  • 65% LTV 2 year fixed rate increased by 0.20% to 4.35%.
• Buy to Let (BTL) Mortgages:
  • 60-75% LTV selected 2 and 5 year fixed rates increased by up to 0.15%.

Who Will These Mortgage Rate Increases Affect?

These rate changes will impact a broad range of borrowers including:

• Homeowners seeking new or transferred fixed-rate residential mortgages.
• First-time buyers aiming for higher LTV products (up to 95%).
• Remortgage clients looking for exclusive deals at 75-80% LTV.
• Large loan applicants (£1m-£3m) requiring fixed-rate certainty.
• Professional applicants using the dedicated Pro range.
• Buy-to-let landlords refinancing or expanding within 60-75% LTV bands.

Special Features and Application Deadlines

Borrowers hoping to secure a mortgage at the current lower rates must submit their application by 8pm on Sunday, 14 September 2025. After this deadline, the new, higher rates will be in effect. This gives applicants a limited window to lock in existing deals before the increases take place.

Why Consider Clydesdale Bank for Your Mortgage?

Clydesdale Bank offers a comprehensive range of mortgage products suitable for a variety of needs – from first-time buyer schemes to specialist buy-to-let and professional mortgages. Key strengths include:

• Competitive fixed and tracker mortgages across multiple LTV bands.
• Exclusive products for remortgages, professionals, and large loan applicants.
• Transparent fee structures including fee-saver options for specific borrower types.
• Strong reputation and support for both residential and investment clients.

What Should UK Borrowers Do Next?

With Clydesdale’s fixed rates set to increase, acting swiftly can be vital for those aiming to maximise savings. Whether you’re a homebuyer, a remortgager, or a landlord, this is the time to review your options. For tailored, up-to-date mortgage advice, we recommend contacting our team of expert brokers for guidance specific to your circumstances.

Frequently Asked Questions (FAQ)

• Who qualifies for these Clydesdale Bank mortgage products?
  Clydesdale Bank mortgages suit UK residents, including first-time buyers, home movers, remortgagers, professionals, and landlords (specific criteria apply per product and LTV bracket).
• How do the rate increases affect my monthly repayments?
  Higher fixed rates may result in slightly increased monthly repayments. Use a mortgage calculator or seek advice to understand your specific impact.
• Are there advantages to Clydesdale’s fee-saver options?
  Yes, fee-saver products can reduce up-front costs, potentially making them better value for certain borrowers, particularly those with limited deposit or moving costs.
• How quickly must I apply to secure today’s rates?
  Applications must be submitted by 8pm on Sunday, 14 September 2025 to access current lower rates before the increase.
• Is Clydesdale Bank a good choice for buy-to-let mortgages?
  Yes, Clydesdale Bank provides competitive buy-to-let options for landlords, especially within the 60-75% LTV segment.

Speak to an Expert Mortgage Adviser

Don’t miss out! If you want to review your mortgage options before these changes take effect, call our team today for fast, personal advice on the best deals for your situation.