Ready to make your next move? We're here to help.
Find out how much you could borrow and compare monthly payments using the Halifax mortgage calculator
If you’re looking for your first home, your monthly payments could be lower than you expect with our great mortgage rates.
Use our mortgage calculator to explore our first time buyer deals and find out how much you could borrow.
Bank of Scotland offers Halifax mortgages.
You could be one of three lucky winners who’ll win our prize draw and have their mortgage paid off.
Or one of 100 customer who will win a £1,000 cash prize.
1. Apply for a qualifying mortgage by 30th June 2019
2. Register for our prize draw by 30th September 2019
3. Complete on your mortgage by 30th September 2019
4. Prize Draw date 15th October 2019
Bank of Scotland offers Halifax mortgages. Offer can be withdrawn and exclusions apply. Terms and conditions apply.
Find out more
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.
Take a look at the things you'll need to think about when looking to move home and applying for a new mortgage.
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-10pm or Sunday 6am-9pm you'll receive your decision on the spot. Otherwise we'll give you a decision the next day.
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: