Buy-to-let policy
All BTLs must have a minimum EPC rating of E.
New Build
We lend up to 80% LTV for a new build house and 70% LTV for a new build flat.
Cladding
We are here to support our existing customers who have a mortgage on a property that is impacted by potentially unsafe EWS. When their current mortgage deal ends we will offer a new mortgage product, just as we always would.
For changes to an existing Clydesdale mortgage we will assess each case based on individual circumstances. As a responsible lender, any application for additional borrowing from customers impacted by unsafe EWS will be carefully considered before a decision is made.
For any other questions relating to EWS please refer to the FAQs, provided by RICS or visit the Government’s website to view their guidance on cladding.
Unacceptable properties
- We won’t lend on any properties with agricultural restrictions/ties, smallholdings, live/work units, HMOs, holiday lets, mobile or static homes, properties which restrict how many days a year they can be occupied, self-builds pre completion, properties with commercial use such as kennels, caravan parks or farms
- Spray foam insulation is usually not acceptable
- We do not lend on Houses in Multiple Occupation