Every client has different needs. Your clients come to you because you’ll find a mortgage solution that fits their needs, not a lender’s. Brokers go to Clydesdale because they understand this. They’re able to adopt a flexible approach and assess cases on their individual merits. While they can’t lend to everyone, their team will work with you to understand your client and what they may be able to do for them, helping you to find solutions.
Some of their highlights include:
Flexible Mortgage Underwriting
Clydesdale Bank underwriters adopt a flexible, tailored approach, take into account individual circumstances and can assess each case manually and on merit. Over the years, this flexible approach has allowed them to develop criteria to help a wide range of customers.
Large Loans
- Direct access to underwriters and dedicated specialist case-management desk for £750k+ loans.
- Available to 75% LTV up to £5m and 60% LTV up to £10m.
- A range of fixed and offset discounted products available.
Self-Employed
- They’ll use the customer’s share of pre-tax profit plus director’s renumeration.
- They require 3 years’ accounts and take an average over the most recent 2 years (unless the most recent year is lower, in which case the most recent year is used).
Contractors
- They consider applications from any industry.
- One year’s contracting history required. Two years’ history needed if income is below £50k.
- Weekly income grossed up by 46 weeks.
And all of this surrounded by their Service Commitment where they’re committed to getting Offers to your customers as soon as they can. In fact, they’ll issue an Offer to your customer within 10 working days of receiving a fully-packaged application, or they’ll give them £100. Terms apply
If you’ve any questions, please get in touch with your Business Development Manager
