Clydesdale Bank has announced a significant change to its large loan proposition, reducing the minimum loan size for direct access to underwriters from £750,000 to £500,000.

The move is designed to improve broker support on more complex mortgage cases and offer a more responsive service for clients with larger borrowing needs. Brokers can now contact underwriters directly to discuss any application involving loans of £500,000 or more, before submitting a case.

The bank said it recognises that higher-value loans often require a more tailored approach and has responded by making it easier for brokers to have early conversations with underwriting staff.

“We know that loans over £500k are not always straightforward and sometimes they require a little bit more attention from both you and us,” the bank said in a statement to intermediaries.

The enhanced service is particularly aimed at helping brokers navigate cases where clients have non-standard income streams, such as investment income, or are self-employed with one-off costs impacting recent financial performance. It will also support cases requiring a higher proportion of variable income than standard criteria typically allow.

The bank’s underwriting team has been briefed to assess the individual circumstances of each borrower and adopt a flexible approach when possible.

Clydesdale Bank said its underwriters are ready to engage directly with brokers and work collaboratively to find solutions that meet client needs.