First time buyer mortgages

Ready to buy your first home? We understand it's a huge step - but we're here to help.

You can apply for a first time buyer mortgage of up to 95% of the property’s value. Find out if you qualify.

We are proud to offer mortgages from Halifax

Your mortgage could cost you less than you think

Your mortgage could cost you less than you think

If you’re looking for your first home, your monthly payments could be lower than you expect with our mortgage deals.

Use the Halifax mortgage calculator to find out how much you could borrow.

How much could I borrow?

You could lose your home if you don't keep up your mortgage repayments

Understand the Scottish house buying process

The house buying process in Scotland is different to the rest of the UK.

Read our guide to understand the process so you know who does what and when.

Buying a house in Scotland Steps to buying a house in Scotland

Current rates

You can find the current mortgage rates on the Halifax website.

View current rates

Government schemes

Bank of Scotland supports initiatives including the Government’s. Shared Ownership. Find out if there’s a scheme that could help you make your move.

Government schemes Steps to buying a house in Scotland

Frequently asked questions (FAQs)

You're bound to have a lot of questions. We've produced a comprehensive FAQs section that should give you the answers you need.

Read our FAQs

Halifax mortgage prize draw

Find out about the Halifax mortgage prize draw, if you can enter, and how to register.

 

Mortgage prize draw rules apply.

Halifax mortgage prize draw

Events for first time buyers

We’re offering free online events if you’re buying your first home. From working out your budget to getting the keys to your first home, we’re here to help. They’re open to everyone, you don’t even need to be an existing customer.

Our mortgage experts will help you find out about:

  • Starting out
    Saving for a deposit and government schemes
  • House hunting
    Finding the right property for you
  • Other costs
    Protecting you and your home, other costs to consider
  • Journey to completion:
    Valuations, surveys and the final stages to getting your keys.
Find a free event Free events for first time buyers

How to apply


At Bank of Scotland we're proud to offer our customers mortgages by Halifax, who have over 160 years' experience helping people own their homes.
 

Apply for an agreement in principle

Firstly, you'll need an agreement in principle (AIP). As we offer mortgages provided by Halifax, you'll need to complete an AIP on their website. This will give you an indication of how much you could borrow based on your income, outgoings and other financial commitments.
 

  • It's free and you're under no obligation to apply for a mortgage.
  • We'll only complete a soft credit check with no effect on your credit rating - even if you're declined.
  • It takes less than 10 minutes.
  • If you apply between Monday and Saturday 6am to 10pm or Sunday 6am to 9pm, you'll receive your decision on the spot. Otherwise we'll give you a decision the next day.


An AIP is needed before you can begin your full mortgage application.

The amount we could lend you isn't guaranteed and you'll need to complete a full mortgage application.

Apply for an AIP

Already started your agreement in principle?

Log in to my mortgage journey 


Begin your full mortgage application

Once you have your agreement in principle from Halifax, you'll need to speak to a qualified mortgage adviser to get a personalised recommendation on the mortgage term, product and rate that is right for you.

To begin your full mortgage application call us.