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First time buyer mortgages
Ready to buy your first home? We understand it's a huge step - but we're here to help.
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.
Current rates
You can find the current mortgage rates on the Halifax website.
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.
My First Home
In need of a little support? Get in-app personalised guidance and use handy tools to help you at every stage of your first home-buying journey with My First Home.
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.
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.
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