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Compare Bank of Scotland mortgages with MoneySuperMarket
Mortgages with Bank of Scotland
Bank of Scotland offers mortgages provided by Halifax. It also offers bank accounts, credit cards, loans, savings accounts and conveyancing services to help with your house purchase.
The merger of Bank of Scotland and Halifax in 2001 created HBOS. In 2009, HBOS was acquired by Lloyds TSB and became part of Lloyds Banking Group.
Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Why get a mortgage through Bank of Scotland?
Bank of Scotland offers many mortgage deals for new and existing customers via Halifax. It provides first-time buyer mortgages, moving home mortgages, and remortgage deals.
Eligible customers can also enter the Halifax monthly mortgage prize draw. As well as the big prize (they’ll pay off a lucky person’s mortgage up to the value of £300,000), there are a hundred £1,000 cash prizes up for grabs.
Bank of Scotland is signed up to the government’s Mortgage Charter. This means it has agreed to provide short-term help to mortgage customers who are struggling with repayments.
So, if you’re worried about making mortgage payments, or have missed one, you can get support from Bank of Scotland.
There’s also a few energy initiatives run via Halifax. For example, qualifying mortgage customers can claim Halifax’s Green Living Reward, which gives you one cashback rewards for completing an eligible green home improvement.
What types of mortgage does Bank of Scotland offer?
Find fixed and variable-rate (tracker) mortgage deals with Bank of Scotland and Halifax, designed for first-time buyers, home movers, buy-to-let borrowers and remortgagers.
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First-time buyers
First-time buyers can find a mortgage with Bank of Scotland and Halifax. You can apply for up to 95% of the property’s value. Bank of Scotland also supports initiatives like the government’s mortgage guarantee scheme and shared ownership.
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Home movers
New and existing Bank of England and Halifax mortgage customers can find a mortgage for their new home. If you’re an existing Bank of Scotland and Halifax mortgage customer, then you may be able to port your mortgage deal to a new property if you’re mid-way through.
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Buy-to-let borrowers
Bank of Scotland and Halifax have buy-to-let mortgages for new borrowers, remortgagers, and existing buy-to-let customers looking to switch to a new deal. If you haven’t reached your loan-to-value limit, there may also be an option to borrow more.
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Remortgaging
New and existing mortgage customers looking to switch to a new deal can remortgage with Bank of Scotland and Halifax. Some remortgage deals will come with the Halifax Remortgage Service, where they’ll pay their own legal fees and won't charge you for the property valuation.
How do you apply for a Bank of Scotland mortgage?
First, you’ll need to get an Agreement in Principle, which will tell you how much you can borrow. It’s free and easy to apply for one – you can do it via the Halifax website.
You can then view properties (note that in Scotland, you’ll need to appoint a solicitor first). Once you’ve found a house you like, you can proceed to make a formal offer.
If your offer is accepted, you can then book an appointment with a Bank of Scotland mortgage adviser. You can request this online – a mortgage specialist will then be in touch with you to arrange a phone call, video call or in-branch appointment.
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How do I compare Bank of Scotland mortgages?
With MoneySuperMarket, you can find and compare mortgage deals by type of mortgage, initial monthly cost, initial interest rate, the maximum loan-to-value each provider offers, and whether there are any mortgage fees.
How do I get a decision in principle with Bank of Scotland?
You can apply for a mortgage in principle online on the Halifax website (as this is the mortgage provider Bank of Scotland uses).
It’s quick and free to get a mortgage in principle with Halifax – plus, you aren’t under any obligation to then apply for the mortgage deal you’ve found. A mortgage in principle can help to show you’re a serious buyer when it comes to putting in an offer for a house.
If you’ve got an agreement in principle you want to proceed with, you’ll then need to speak to a Halifax mortgage adviser. You can arrange a phone call, video call or in-person appointment via their website.
How do I contact Bank of Scotland?
You can get in touch with Bank of Scotland in several different ways:
By phone – You can call Bank of Scotland mortgages on 0345 300 2297. Lines are open 8am-8pm Monday to Friday, and 9am-4pm Saturday
Visiting a branch – If you prefer talking to someone in person, you can arrange to speak to a Bank of Scotland mortgage adviser in branch. You’ll need to book an appointment first – you can do this online
Online – Existing customers can log in to the Mobile Banking app and message the Bank of Scotland’s virtual assistant. Available 24/7, it can help with common queries – and if it can’t, you’ll be put through to a human who can further assist you
By post – You can write to them at the following address: Bank of Scotland, PO Box 23581, Edinburgh, EH1 1WH
What happens if Bank of Scotland go bust and I have a mortgage with them?
If your bank goes bust and you have a mortgage with them, it won’t be cancelled. You’ll still owe money to the lender, and its charge over your home will still stand.
Your existing debt would be sold on to another bank or building society in an administration process. You’d then owe the new bank the money.
In the event that your bank goes bust, you should continue to make your monthly payments as normal. You should also be given advice on your situation and what you can do.
However, things are slightly different if you have a particular type of offset mortgage. If the amount held in savings exceeds the mortgage debt, the balance would be protected by the Financial Services Compensation Scheme (FSCS): up to £85,000 or £170,000 for a joint account.
How hard is it to get a mortgage with Bank of Scotland?
Whether you qualify for a mortgage with Bank of Scotland depends on many factors, such as your finances, credit history, income, expenditure, deposit, and any debts.
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Reviewed on 11 Dec 2025 by
