Clydesdale Bank is a trusted UK lender known for combining personal underwriting with competitive products, especially for clients needing higher income multiples, flexible affordability, or bespoke lending solutions. Whether you’re a high earner, a company director, or someone with non-standard income, Clydesdale’s approach to mortgage lending is refreshingly human.
At Mortgage Knight, we recommend Clydesdale for complex cases, professional borrowers, and those who need something a little beyond what the high street offers.
A: Yes. Clydesdale is very supportive of self-employed borrowers and may accept just 1 year of accounts or SA302s, depending on the strength of the application. They also consider retained profits for directors.
A: Income multiples can go up to 5.5x for eligible professionals and high earners. This can make a significant difference for buyers in London or other high-cost areas.
A: Yes. Clydesdale is flexible with variable income, often accepting 100% of annual bonus, commission, or overtime if it’s been consistent.
A: Absolutely. Clydesdale is known for manual case reviews, which means real underwriters assess your application — ideal for non-standard income or employment.
A: Yes. They’ll consider both probationary and fixed-term contracts, especially if you have a strong work history or you’re in a skilled/professional role.
A: Typically, a 10% deposit is required for residential purchases. Larger deposits may access better rates. They also cater to large loan cases with bespoke structuring.
A: Yes. Clydesdale offers interest-only and part-and-part options, particularly for high net worth clients or those with suitable repayment strategies (e.g. investments, downsizing).
A: No, but applying through a broker like Mortgage Knight helps ensure your case is packaged properly, especially if your income is complex or needs to be explained clearly.
Whether you’re a professional buyer, a business owner, or someone who’s been turned away by more rigid lenders, Clydesdale’s common-sense approach could make the difference.
Speak to Mortgage Knight today to see if Clydesdale is the right fit — and let’s get your mortgage moving with expert support.
