Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
We're proud to offer mortgages provided by Halifax.
Bank of Scotland supports a range of government backed initiatives including the mortgage guarantee scheme and Help to Buy. So if you're a first time buyer or a home mover, there could be a scheme to help you.
If you can’t get a mortgage to buy a property outright, a shared ownership scheme could enable you to buy a 25-75% share in partnership with a social landlord like a housing association. You would then pay ‘rent’ on the share that you do not own to the landlord.
For example, if you bought a 50% share of a property at £100,000 then you would rent on the remaining £50,000.
When you part-buy, part-rent a home through shared ownership, you can apply for a smaller mortgage – so your deposit could be lower too.
Eligibility criteria and exclusions apply. For more details, speak to a mortgage adviser.
For more details on Shared Ownership, visit the Scottish Government website.
Bank of Scotland is supporting the Governments MoD Forces Help to Buy scheme, which allows forces personnel to borrow up to £25,000 interest free (repaid over 10 years) to use as a deposit when buying a property to be used as their main home.
You can apply for a mortgage through a Bank of Scotland branch or over the telephone; remember to tell the mortgage adviser the deposit is being provided through the Forces Help to Buy scheme.
For more details on Forces Help to Buy visit the UK Government website.
The Help to Buy: ISA is closed for new applications.
If you already have a Help to Buy: ISA you can still save and claim the Government 25% bonus (minimum £400 and maximum £3,000). Although closed to new applications, the Government Bonus can still be claimed up to November 2030.
You can also still transfer your Help to Buy: ISA to us from another bank or building society.
Bank of Scotland is supporting the Governments Open Market Share Equity (OMSE) scheme. If you cannot afford the full price of a home for sale in the open market you might be able to get help through the OMSE scheme.
It is available across Scotland. It's open to first-time buyers and these priority access groups:
Eligibility criteria and exclusions apply. For more details speak to a Mortgage Adviser.
1. Contact the agent below in the area you would like to live.
2. Speak to one of our mortgage advisers to start your application by calling us on 0345 300 2297 (Monday - Friday 8am - 8pm, Saturday 9am - 4pm).
More information is available on the Scottish Government Website.