Mortgages

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

Using Internet Banking, you can view the balance, payment date and the repayment type of your Bank of Scotland Mortgage.

Mortgage payment holidays

If you think you would be eligible for a payment holiday, applying is easy and very straightforward. Call 0345 727 3747 and select option 1, or visit one of our branches.

Read more about payment holidays (this link will take you to the Halifax website) including details of how to apply and the Conditions.

Mortgage Promise

If you're looking to move home or re-mortgage, fill in the Agreement in Principle (Mortgage Promise) call back request form (this link will take you to the Halifax website) and we'll call at a time to suit you and give you an indication of how much you'll be able to borrow, it will only take around 15 minutes. Alternatively, call our mortgage line on 0345 850 3705 (lines open 8am to 8pm Monday to Friday, 9am to 4pm Saturday) or visit your nearest branch and arrange to speak to a Mortgage Adviser.

To Draw down funds from your Home Cash Reserve or Flexible Mortgage

If you have a Home Cash Reserve or Flexible Mortgage you can draw down funds by calling our mortgage line on 0345 850 3705(lines open 8am to 8pm Monday to Friday, 9am to 4pm Saturday) or visiting your nearest branch and arrange to speak to a Mortgage Adviser.

If you don't have a Home Cash Reserve or Flexible Mortgage, you can still apply to borrow more on your mortgage with a Further Advance (this link will take you to the Halifax website).