Switch to a new deal online

Check

  • Read the important information
  • Confirm you meet the criteria

Apply

  • Answer the qualifying questions
  • Review your mortgage options
  • Illustrate your choice of product to apply to switch online, or speak to one of our mortgage advisors
  • Apply to switch mortgage

Switch

  • Complete the online form
  • We’ll send your offer by post
  • Review, sign and return to us
  • Once received, we will switch you to the new mortgage deal
Please complete all required fields.
Are you switching from a Residential or Buy to Let mortgage?
Will you rely on receipt of non-sterling income or assets to make your mortgage payments and/or to repay capital at the end of the term (for interest only mortgages)?

Do you have more than one Clydesdale Bank or Yorkshire Bank mortgage account secured on the same property?

For example, you may have borrowed more during the mortgage term, or you may have a part capital & interest/ part interest only mortgage.

Are you living in the property with no changes planned to that?
Is a relative living in the property with no changes planned to that?
Are you, or will you be, in receipt of rental income?
Will you rely on receipt of non-sterling income or assets to make your mortgage payments and/or to repay capital at the end of the term (for interest only mortgages)?

Do you have more than one Clydesdale Bank or Yorkshire Bank mortgage account secured on the same property?

For example, you may have borrowed more during the mortgage term, or you may have a part capital & interest/ part interest only mortgage.

Are you living in the property with no changes planned to that?
Is a relative living in the property with no changes planned to that?
Are you, or will you be, in receipt of rental income?

Declaration

Most lending on buy to let properties is not regulated by the Financial Conduct Authority. This is because it is considered lending for business purposes, as you will receive rental income from the property.

Where lending is for business purposes, we require you to make a declaration to confirm this. By making this declaration, you are confirming that you are aware of the effect of entering into an unregulated agreement. By entering into an unregulated agreement you will not have the same protection that would otherwise be afforded to you.

If you are unsure about the implications of this declaration we recommend that you obtain legal advice before you proceed.

If you consider that you are not acting for business purposes please let us know before proceeding with your application.

By clicking that you accept, you confirm the following:

  • You are entering into the agreement wholly or predominantly for the purpose of a business carried on, or intended to be carried on, by you.
  • The property is, or you intend that the property will be, let out on the basis of a tenancy agreement.
  • You are aware that by clicking accept and by entering into the loan agreement, you will not have the benefit of the protection and remedies that would be available to you had the loan agreement been a regulated mortgage contract under Article 61(3) of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 and / or a consumer buy to let mortgage contract within the meaning of the Mortgage Credit Directive Order 2015.
  • You are aware that if you are in any doubt as to the consequence of the agreement not being regulated, you should seek independent legal advice.
You are unable to complete your switch online, please contact our mortgage team on 0800 111 4355 between 8am and 8pm, Monday to Friday, or visit one of our branches.
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