Ready to buy your first home? We understand it's a huge step - but we're here to help.
Find out how much you could borrow and compare monthly payments using the Halifax mortgage calculator
Use our online calculator to get an idea of how much you could borrow.
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.
As we provide Halifax mortgages you can find the current rates on the Halifax website.
You're bound to have a lot of questions. We've produced a comprehensive FAQs section that should provide you with the answers you need.
At Bank of Scotland we are proud to offer our customers mortgages provided by the Halifax, who have over 160 years' experience helping people own their homes.
Firstly, you'll need an Agreement in Principle (AIP). As we provide Halifax mortgages, you'll need to complete an AIP on the Halifax website. This will give you an indication of how much you could borrow based on your income, outgoings and other financial commitments.
Complete one online on the Halifax website - it takes less than 15 minutes. If you apply between Monday to Saturday 6am-9pm or Sunday 8am-6.30pm you'll receive your decision on the spot.
Once you have your Agreement in Principle from the Halifax, you'll need to speak to one of our qualified mortgage advisers to get a personalised recommendation on the mortgage term, product and rate that is right for you.
You can begin your full mortgage application over the phone or in a Bank of Scotland branch: