How to register with this lender as a new user
To register on our panel you’ll need to be registered with Virgin Money first. You can do that at https://intermediaries.virginmoney.com/register/registration-form/.
Once registered on Virgin Money’s panel, you then need to register for Clydesdale’s Bank’s online portal, you can do that here. Once you’ve registered and logged in for the first time you’ll be prompted to validate your details with us. You can do that by emailing brg.team@cybg.com and quoting your company FCA number.
How to add Mortgage Club as a payment route with this lender
To select Legal & General as your payment route, please email brg.team@cybg.com
You can find our current rates and full details of our lending criteria on our website. If you’ve got any questions, you can get in touch with your Business Development Manager.
For updates on an application you have already submitted, contact us on 0800 9178 363 or by email at case.updates@cybg.com
For large loan new business enquiries of £500k or more, that are complex or that don’t meet our standard lending criteria, you can speak to our underwriters directly on 0113 224 1369.
For help and support submitting an online application, please refer to our FAQs. If you need further support call 0800 6783 066.
We’re available 9.00am to 5.00pm Monday to Friday.
Procuration Fees
| Fee received from lender (Gross fee) | We'll pay you (Net fee) | |
|---|---|---|
| Standard Residential | 0.40% | 0.38% |
| Buy to Let | 0.40% | 0.38% |
| Product Transfers | 0.20% | 0.18% |
Who are we
We understand every client has different needs. That’s why we’re proud to deliver intermediary solutions as individual as your clients.
Your clients come to you because you’ll find a mortgage solution that fits their needs, not a lender’s. Brokers come to us because we understand this and we’re able to adopt a flexible approach and assess cases on their individual merits.
Our team will work with you to understand your client and what we may be able to do for them, helping you to find solutions.
What we do
- Non-standard income — we’ll discuss non-standard income streams and more complex income structures to see if we can find a way to assist your clients.
- Buy-to-let — we are proud to be different when it comes to assessing your client’s BTL mortgage, and that means making an overall affordability assessment. We can lend to first-time landlords, non-owner occupiers and first-time buyers.
- Large loans — you get direct access to underwriters for £500k+ loans.
Interest only — we lend up to 75% LTV with a range of acceptable repayment vehicles. Capital & Interest top up to 85% LTV available. - Self-employed — we’ll use the customer’s share of post-tax profit plus director’s remuneration.
- Professionals — our mortgages for professionals are available where one or more of the applicants are employed in an accepted occupation, with loans available up to £1m up to 90% LTV.
- Contractors — we can accept applicants with a one-year contracting history for mortgages up to 95% LTV or under one-year to 70% LTV.
- Foreign nationals — up to 95% LTV is one applicant has ILR, 90% if no ILR but one applicant earns £75k, 85% otherwise.