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Flexible Payment Mortgage

Take control of your payments

  • Make regular overpayments
  • Take payment holidays* on your residential mortgage

With a Clydesdale Bank Flexible Payment Mortgage you can choose how quickly you pay off your loan and amend your payments to suit your circumstances. You could even take money back out of your mortgage.


How to apply

What you get

Get flexible - the choice is yours

  • Make regular increased repayments or pay one-off lump sums
  • Take payment holidays for up to 6 months on your residential mortgage
  • Take money back out of your mortgage
  • Overall cost for comparison is 7.7% APR on our residential flexible payment mortgage
  • Overall cost for comparison is 7.8% APR on our flexible payment Investment Housing Loan
  • Free valuation and no legal fees when you switch your mortgage from another lender and use our solicitors and valuation panel

Other mortgages

With our Flexible Payment Mortgage interest is calculated daily not yearly which means that you only pay interest on your actual outstanding balance. View our interest rates

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

*Please note that you can only take payment holidays where you have previously overpaid. If you reduce your repayments or take a payment holiday, the amount of your loan will not be reducing as quickly, so you could end up paying more in interest charges over the term of the mortgage.

For your security, calls may be monitored or recorded.

How to apply

Ask us to call you back
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  • Telephone: 0845 602 5450
    (Monday - Friday 8.00am - 9.00pm)

Important information

Read our important information about Clydesdale Bank mortgages