First time buyer mortgages.

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

We are proud to offer mortgages provided by Halifax

Image of a Calculator

How much could I borrow?

Find out how much you could borrow and compare monthly payments using the Halifax mortgage calculator

Special offer for First time buyers

Get £750 cashback when you take out a mortgage through us

  • Offer available to first time buyers who complete on a qualifying mortgage
  • Apply between 2nd October 2017 and 1st January 2018
  • £750 paid via conveyancer on completion
  • Offer can be withdrawn at any time and excludes product transfers and further advances
  • Bank of Scotland offers Halifax Mortgages

Use our online calculator to get an idea of how much you could borrow.

How much could I borrow?

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

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


As we provide Halifax mortgages you can find the current rates on the Halifax website.

Frequently asked questions (FAQs)


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.

How to apply

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.

1. Apply for an Agreement in Principle

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.

  • it's free and you're under no obligation to apply for a mortgage.
  • a soft credit check will be carried out with no effect on your credit rating - even if you're declined.
  • required before you can begin your full mortgage application.

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.

Apply for an AIP

2. Begin your full mortgage application

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:

  • call us on 0345 300 2297. Lines are open Monday to Friday 8am-8pm and Saturday 9am-4pm.
  • or come into a Bank of Scotland branch - you'll need to book an appointment beforehand.

Request an appointment