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Mortgages for first time buyers

Whether it's still just a dream or you've seen somewhere you love, we can help you get there

Your home may be repossessed if you do not keep up repayments on your mortgage

Guiding you through your house-buying journey

Buying a house for the first time can be daunting. From starting out to completing the deal, there’s a lot to think about. You can be assured that we’ll help you at each stage of your journey to help make buying your first home as straightforward as possible.

Benefits of our mortgage products

Our mortgage products can help get you on the property ladder. And you can be assured that we’ll help make buying your first home as straightforward as possible to get you off to the best possible start. At Clydesdale Bank, to be classed as a first-time buyer, you just need to be aged 18 or over, live in the UK, and have not had a mortgage in the last 12 months. All our loans are subject to status, and security will be required.

  • Fixed interest rates provide the comfort of knowing what your monthly repayments will be during your fixed-rate period.
  • Expert advice — Get the right advice and support to help you find the right mortgage for you from those we offer.

Our mortgages

Please review our table of mortgage products to check what mortgage products are available for customers buying their first home.

Find out more about our first time buyer mortgages

More help with mortgages

Girl planning her new home

Mortgage journey

We’ve created a range of tools and guides to help you understand the mortgage process.

Find out more about the mortgage journey


Financial considerations

Make sure you’re aware of the costs of buying a home and how many factors can influence the mortgage rate you get.

Find out more about financial considerations

Your next step

Give us a call

  • If you've got any questions, get in touch.

    Mortgage application enquiries

    0800 022 4313

    Mon - Fri 9am - 5pm

    Existing mortgage servicing enquiries

    0800 121 4203

    Mon - Fri 8am - 5pm except for Wednesdays 9.30am - 5pm

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Top Mortgage questions

Have a question about our mortgages? Have a look at some of the questions we’re asked most often.

All frequently asked questions