Bank of Scotland

Bank of Scotland/Halifax is a popular lender for first-time buyers, but it offers a wide range of mortgage deals to suit everybody, such as those looking to remortgage or move house. It also offers buy-to-let mortgages for smaller landlords. Whether you want a fixed rate mortgage, where your monthly repayment stays the same, or a variable rate mortgage where your repayment could change either in line with the Bank of England base rate or the lender’s standard variable rate, Bank of Scotland/Halifax has a wide range of options to choose from.

Sorry, we don't have any Bank of Scotland deals available at the moment. Why not check out some of our other deals below.

Fixed rate mortgages - Ordered by lowest initial rate

    • Provider

      HSBC

    • Rate Type Fixed
    • Initial Rate 1.49% then 3.94%
    • Initial Period Until 28/02/2017
    • Max LTV 60%
    • Product Fees Yes
    • Go to site

      Phone

      More details

    2014 SUPERS

    The winners of the 2014 ‘Supers’ award for the Best mortgage provider

    Great for
    Max loan amount £500,000
    Ability to make overpayments up to 20% of your standard monthly payments without early repayment charge
    But be aware that
    £1,999 booking fee applies
    Payment holidays are not available
    Requires 40% deposit

    Overall cost for comparison 3.7% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

  1. Great for
    Min – max loan amount £25,001 - £5 million
    Ability to make overpayments of up to 10% per year
    Payment holiday is available
    But be aware that
    £1,545 Completion Fee applies
    £130 Arrangement Fee applies
    Requires 35% deposit

    Overall cost for comparison 5.1% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

  2. Great for
    Min – max loan amount £25,001 - £5 million
    Ability to make overpayments
    Payment holiday is available
    But be aware that
    £845 Completion Fee applies
    £130 Arrangement Fee applies
    Requires 35% deposit

    Overall cost for comparison 4.5% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

Tracker mortgages - Ordered by lowest initial rate

  1. Great for
    Min – max loan amount £25,001 - £5 million
    Ability to make overpayments of up to 10% per year
    Payment holiday is available
    But be aware that
    £345 Completion Fee applies
    £130 Arrangement Fee applies
    Requires 35% deposit

    Overall cost for comparison 5% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

  2. Great for
    Min – max loan amount £25,001 - £5 million
    Ability to make overpayments of up to 10% per year
    Payment holiday is available
    But be aware that
    £345 Completion Fee applies
    £130 Arrangement Fee applies
    Requires 35% deposit

    Overall cost for comparison 4.5% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

  3. Great for
    Min – Max loan amount £5,000 - £1,000,000
    Ability to make overpayments
    But be aware that
    £999 Arrangement Fee applies
    Payment holidays are not available
    Requires 25% deposit

    Overall cost for comparison 3.7% APR. This is the cost of the mortgage over the whole term.  No early repayment charges apply.

Fees free mortgages - Ordered by lowest initial rate

  1. Great for
    Min - Max loan amount £25,000 - £2 million
    Ability to make overpayments
    But be aware that
    Payment holidays are not available
    Requires 30% deposit

    Overall cost for comparison 3.4% APR. This is the cost of the mortgage over the whole term.  No early repayment charges apply.

  2. Great for
    Min - Max loan amount £25,000 - £2 million
    Ability to make overpayments
    But be aware that
    Payment holidays are not available
    Requires 25% deposit

    Overall cost for comparison 3.4% APR. This is the cost of the mortgage over the whole term.  No early repayment charges apply.

  3. Great for
    Min - Max loan amount £25,000 - £1 million
    Ability to make overpayments
    But be aware that
    Payment holidays are not available

    Overall cost for comparison 3.5% APR. This is the cost of the mortgage over the whole term.  No early repayment charges apply.

First time buyer mortgages - Ordered by lowest initial rate

  1. Great for
    Min - Max loan amount £30,000 - £500,000
    Ability to make overpayments of up to 10% per year
    But be aware that
    Payment holidays are not available
    £199 Booking Fee applies

    Overall cost for comparison 4.9% APR. This is the cost of the mortgage over the whole term.  No early repayment charges apply.

    • Provider

      HSBC

    • Rate Type Discounted Variable
    • Initial Rate 2.89% then 3.94%
    • Initial Period For 2 years
    • Max LTV 90%
    • Product Fees Yes
    • Go to site

      Phone

      More details

    2014 SUPERS

    The winners of the 2014 ‘Supers’ award for the Best mortgage provider

    Great for
    Max loan amount £400,000
    Ability to make overpayments up to 20% of your standard monthly payments without early repayment charge
    But be aware that
    £999 Booking Fee applies

    Overall cost for comparison 3.9% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

  2. Great for
    Min - Max loan amount £25,000 - £250,000
    Ability to make overpayments
    But be aware that
    £399 Completion Fee applies
    Payment holidays are not available

    Overall cost for comparison 4.7% APR. This is the cost of the mortgage over the whole term.  Early repayment charges may apply.

Bank of Scotland

As always, remember to factor in the cost of arrangement fees when comparing mortgage rates. It can sometimes work out cheaper to take out a higher rate mortgage with a low fee than a low rate mortgage with a high fee. Halifax/Bank of Scotland also offers a number of fee-free mortgages so these are worth a look too.

Also check for early repayment charges that apply if you decide to pay off your mortgage in full before the end of the deal, as these can be expensive.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
The figures and information provided by this tool are for illustration purposes only

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