Compare loans

Compare our unsecured and further advance loan options to see which is best for you.

Both unsecured loans and further advances can be used for almost any purpose, whether you need to replace your car, consolidate your finances, or make some much needed home improvements.

Just take a look below at the main differences between the two options and consider which loan is right for you.

How much we lend and the rate available are subject to our assessment of your circumstances.

Loan Type

Unsecured Personal Loan

Further Advance


Available to existing Bank of Scotland customers only

Only available to existing Halifax Mortgage customers providing that the mortgage has been held for at least 6 months

Amount of Loan

Borrow between £1,000 and £50,000

Borrow up to 85% of the value in your home


1 to 7 years

Spread your repayments over your mortgage term

Arrangement Fee

No arrangement fee

£99 arrangement fee


Not secured against your property

Secured against your property

Unsecured Personal Loan

Further Advance

Think carefully before securing other debts against your home. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.