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Private Customers Repayment Mortgages

Whatever you're looking for in a mortgage, we can find the right product for you from our range

As a Private Banking customer, we offer you an exclusive residential mortgage range. Your Private Manager will discuss your options and put you in touch with an expert adviser. At all times, these professionals will act with your best interests at heart and work with you to find the product most suited to your needs from our range. We offer a varied range of residential mortgages and Investment Housing Loans. For alternative products please see our personal banking mortgage range.

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

Clydesdale Bank, Yorkshire Bank, B and Virgin Money are becoming one bank

In October 2018, Virgin Money plc (Virgin Money) joined forces with Clydesdale Bank PLC (Clydesdale). If you have any products with Virgin Money, we need you to read some information before you apply.

Find out more (opens in a new window)

£500 cashback on selected mortgages

Until 31st October 2019, we're offering £500 cashback on a selected range of mortgages. You'll receive your cashback once the mortgage has drawndown as long as you have borrowed a minimum of £75,000, are at least 18 years old and live in the UK.

(C) in the table below indicates that the product is eligible for £500 cashback on new borrowing of £75,000 and above.

Excludes buy-to-let, offset variable rate, some private mortgages and internal product switches. Fees may apply. All loans subject to status.

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

All private repayment mortgages
Private fixed rate
Private buy to let
Private offset
Private discounted SVR
Private professional

(Rates correct as at 27th September 2019)
* Standard Variable Rate
** Offset Variable Rate
*** Offset Variable Investment Housing Loan Rate
Professional products are only available where one or more of the applicants are fully qualified and employed in the following occupations: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Engineers, Financial Advisers, Medical Doctors, Nurses, Optometrists, Pharmacists, Pilots, Police Officers, Solicitors, Teachers, Vets.

Representative Example

A mortgage of £274,370 payable over 22 years, initially on a fixed rate of 1.69% for 2 years and then our Standard Variable Rate, currently 5.2%, for the remaining 20 years. This would require 26 monthly payments of £1,245.38 and then 237 monthly payments of £1,693.59 plus one final payment of £1,690.24.

The total amount payable would be £437,334.95 made up of the loan amount plus interest (£161,080.95), Product fee (£999), valuation fee (£650), Funds Transfer fee/telegraphic transfer fee (£40) and Mortgage exit fee (£195).

The overall cost for comparison is 4.6% APRC representative.

The Representative Example is for illustrative purposes only. It is representative of our full range of private repayment mortgages. Your actual costs and monthly repayments will vary depending on your mortgage. If you have refined your results using the tabs above, this example will no longer be representative.

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