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Bank of Scotland Mortgages

Find out more about Bank of Scotland

Bank of Scotland offers mortgages under its Halifax brand, which is Britain’s biggest mortgage lender.

By Mehdi Punjwani

Published: 27 February 2019

Bank of Scotland

Your home may be repossessed if you do not keep up repayments on your mortgage

About 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.

Bank of Scotland is part of HBOS (along with Royal Bank of Scotland), which is also 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.

Bank of Scotland mortgage options

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.

Bank of Scotland mortgages for first-time buyers: first-time buyers can find a mortgage with Bank of Scotland and Halifax. There will be a maximum loan-to-value the bank is prepared to offer you.

Bank of Scotland mortgages for 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 are mid-way through.

Bank of Scotland mortgages for 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 then there may also be an option to borrow more.

Bank of Scotland remortgaging: new and existing Bank of Scotland and Halifax mortgage customers looking to switch to a new deal can remortgage with Bank of Scotland and Halifax.

Halifax will waive the Early Repayment Charge for existing mortgage customers looking to switch to a new deal if there are fewer than three months left on their current deal. Existing mortgage customers can also inquire about additional borrowing.

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 assessment (property valuation).

Bank of Scotland mortgage in principle

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 free to get a mortgage in principle with Halifax, and 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 then you’ll need to speak to a Halifax mortgage adviser.

How do you apply for a Bank of Scotland mortgage?

You can apply for your Bank of Scotland mortgage over the phone by talking to a mortgage adviser, or apply in branch by booking an appointment online.

Bank of Scotland contact details

You can contact Bank of Scotland by:

Phone: You can call Bank of Scotland mortgages on 0345 300 2297 – phone lines are open from Monday – Friday 8am – 8pm and Saturday 9am – 4pm.

Bank of Scotland’s registered address: The MoundEdinburgh EH1 1YZ

Compare mortgage deals with MoneySuperMarket

You can also use MoneySuperMarket to find and compare mortgage deals by type of mortgage, initial monthly cost (for the mortgage deal), initial interest rate for the deal, the maximum loan-to-value each provider offers and whether there are any mortgage fees.

To find out more about Bank of Scotland mortgages, speak to our broker partner, London and Country. They’ll be able to give you information and advice on Bank of Scotland mortgage deals, plus other mortgage deals that are available to you.

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