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1st place for your first place

Move into your first home with a mortgage from Scotland’s Best Mortgage Lender.

Applicants must be aged 18 or over. All loans are subject to status.

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 a little daunting. It’s a bit like the first time you do anything, whether that’s riding a bike or falling in love. But once you’ve gained confidence, these occasions are some of the most momentous, exciting moments of your life. From starting out to completing the deal, we’ll help you at each stage of your journey to buying your first house - and making it your home.

Benefits of our first time buyer mortgage products

Our first time buyer mortgage products offer some help to get you on the property ladder. Plus, you can be reassured that we can help make buying your first home as straightforward as possible and get you off to the best possible start. To qualify for the Clydesdale Bank first time buyer mortgage products, you must be aged 18 or over and live in the UK. At least one party to the mortgage should never have had a mortgage or not had a mortgage in the last 12 months. All loans are subject to status and security will be required.

  • First time buyer mortgage products get £250 cashback at mortgage drawdown.
  • Fixed interest rates for a period of time - have the comfort of knowing what your monthly repayments will be during your fixed rate mortgage period.
  • Expert advice - Get the right help and advice you need to help you find the right mortgage from those we offer.
  • Home insurance discount - Get a no claims discount on our home and contents insurance, provided by RSA.**
  • No product fee. Other charges may apply. Early Repayment Charge applies during fixed rate period.
  • Free standard valuation.

Maximum first time buyer mortgage loan amount is £750,000.

** Applies to new home insurance customers who have not claimed on their home insurance in the past 4 years and may not be used in conjunction with any other offer.

Our first time buyer mortgages

Please review our table of mortgage products. Refer to “customer type” column on the table of mortgage products for specific first time buyer products. Other mortgages are available for those 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 steps

Give us a call

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

    Mortgage application enquiries

    0800 022 4313

    Mon - Fri 8am - 5pm

    Existing mortgage servicing enquiries

    0800 121 4203

    Mon - Fri 8am - 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