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Switch to a new deal online

New deals for existing Clydesdale Bank mortgage customers

Your property may be repossessed if you do not keep up payments on your mortgage

It's quick and easy to switch

It's easy to compare rates and choose a new deal online. No credit check. No fuss. And you can apply up to 6 months before your current deal ends

3 steps to switch online

1. Get ready

  • Read the important information
  • Make sure you can apply

2. Find a new deal

  • Answer a few questions to see what's on offer
  • Compare rates and choose a new deal

3. We'll send you an offer

  • Let us know within 7 days if you're not happy
  • Otherwise, we'll switch your deal as soon as we can

Get ready to switch online

Important information

Once you've applied, you can reduce your mortgage balance during your last 3 months of your current rate without any early repayment charges.

If you want to borrow back money you've overpaid, call us before your new deal starts. You can't do this afterwards.

If you have overpayments in place, we'll need to set these up again after you switch. Please contact us again once your new deal has started.

If you have an offset mortgage and choose a fixed rate deal, it will change to a fixed rate mortgage. That means interest will be charged on your full mortgage balance.

You can apply online if:

  • Your current deal has ended or ends within 180 days
  • You're up to date with your mortgage payments, and can continue to afford them
  • You're not borrowing more or changing your term or repayment type
  • Anyone else named on the mortgage has given you permission to apply on their behalf
  • You don’t want to add or remove anyone on the mortgage
  • You have no more than 3 parts to your mortgage, and you're switching all parts

You'll need your mortgage account number to switch online. You can find this on your mortgage statements or letters. Alternatively, if you'd rather speak to someone, please call us.

Apply online now

Mortgage Charter support for our customers

Worrying about your mortgage payments lately? We can now do even more to help.

See what support is available to apply for mortgage charter

Want to borrow more?


  • Find out what you might be able to borrow on top of your current Clydesdale Bank mortgage. It takes about 10 minutes and won't affect your credit score.


    Start an Agreement In Principle

Existing customer service

  • Chat live with us

    Great for quick questions about your existing mortgage


    Live chat
    Call us

    0800 022 4313

    Monday to Friday 9am - 5pm


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Our mortgage products and rates

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Have a question about switching to a new deal.

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All frequently asked questions

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