Year on year, we're lending to more first-time buyers

Bank of Scotland offers Halifax mortgages. Halifax have over 160 years’ experience helping people to own their homes.

First time buyer

Buying your first home is a big step. If you're feeling a bit overwhelmed, help is at hand. See what you can expect from us and how we'll help you during the application process.

Moving home

Are you ready for your next move? Moving home can be stressful. Halifax is here to make taking out your mortgage hassle free and quick. Let us take care of your mortgage so you can concentrate on what's important to you.


If you've got a mortgage with another lender, and are looking for a better deal, then one of the Halifax's remortgage products could be what you're after. We could even help if you're looking to increase your borrowing while you move your mortgage.

Existing Halifax customers

Halifax have been helping people buy their own homes for 160 years, so whether your mortgage deal is ending, you’d like to borrow more, or simply need some answers, let them help you. See what great deals are available for you as an existing Halifax customer.

Existing Bank of Scotland customers

If you’re looking to borrow more against your existing Bank of Scotland mortgage - or your current deal is coming to an end, and you’re looking for a great new deal. See what great deals we can offer you as an existing Bank of Scotland customer.

Bank of Scotland Recommend a Friend scheme

Do you have a Bank of Scotland mortgage, or Halifax mortgage which you applied for in a Bank of Scotland branch? If you recommend a friend or family member to also apply for a mortgage through a Bank of Scotland branch, we will send you £100 if their mortgage completes.

For more information, please read the Bank of Scotland Recommend a Friend scheme leaflet (PDF).

Bank of Scotland offers Halifax mortgages. Halifax have over 160 years' experience helping people to own their homes.


Mortgage offers

We might just have an offer that helps you make your move.

Find out more about mortgage offers

Halifax mortgage calculator

Do you know how much you can borrow? Are you confused by the different types of mortgages?

The Halifax mortgage calculator could help.

Mortgage calculator

Buying a home in Scotland

Follow our step by step guide to buying a home in Scotland.

Find out more about buying a home in Scotland