Gap between house prices and earnings narrows – but higher borrowing costs limit affordability gains
Read the latest Bank of Scotland Housing Affordability Review
Go paper-free
Amend paper-free preferences for your statements and correspondence.
-
Everyday banking
Online services & more
-
Mobile banking app
-
How to get online
-
Banking near you
Everyday banking
-
-
Help & security
We're here for you
-
Fraud & security
-
Money management
Help & security
-
Life events
-
Difficult times
-
-
Bank accounts
Accounts & services
-
Borrowing
Cards, loans & car finance
-
Credit cards
-
Loans
Borrowing
-
Car finance
-
Features & support
-
Log in to get started
Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
Already borrowing with us?
-
-
Mortgages
Accounts & calculators
-
Mortgages
-
Mortgage calculators & tools
Mortgages
-
Features & support
-
Existing Halifax mortgage customers
-
Existing Bank of Scotland mortgage
-
Get support
Mortgage support
Worried about paying your mortgage? We have various ways that we can help you.
Already with us?
-
-
Savings
Accounts & ISAs
-
Savings accounts
-
ISAs
Savings
-
ISA options
Think ISA first
Have you maximised your tax-free savings?
Already saving with us?
-
-
Investing
Pensions & investments
-
Investing
Investing
-
Discover our SIPP Link to Bank of Scotland Ready-Made Pension
Introducing our Self-Invested Personal Pension (SIPP)
All the benefits of a pension, plus the freedom to decide where your money is invested.
Already investing with us?
-
-
Insurance
Home, life & car
-
Home insurance
-
Car insurance
Insurance
-
Life insurance
-
Business insurance
-
Landlord insurance
Already insured with us?
-
Cookies consent
We have to collect some data from you when you use this website, so it works and is secure.
We'd also like your consent to collect data on how you use our site. This helps us decide which of our products, services and offers may be relevant to you. It also helps us tailor and measure how effective our ads are on other websites, social media, apps and devices, like smart TVs.
Select Accept to agree or Decline to opt out. You can find out more by visiting our Cookie policy.
Cookies consent
Some cookies are needed to make our website work and can't be turned off. But we need your consent to use others that are not essential. You can make your choices below and update them at any time from the Cookies link at the end of any page. You can find out more in our Cookie policy.
Strictly necessary
Strictly necessary : These cookies are needed to run our website, to keep it secure, and to obey regulations that apply to us. - Always onFunctional
Functional : These cookies remember your region or country, language, accessibility options and your settings. This also includes things like your User ID on the login page. - Always onPerformance
Marketing
News and insights
View the latest articles, press releases and news from Bank of Scotland.
Latest articles and press releases
Filter results by
Scotland’s most affordable locations for first time buyers
East Ayrshire is the most affordable location in Scotland and the UK for first-time buyers, according to new research from Bank of Scotland.
Bank of Scotland 18 May 2026
The information in our press releases is intended solely for journalists and media professionals. It does not constitute financial advice or a personal recommendation and should not be relied upon by consumers when making financial decisions. Products and services referenced are subject to eligibility criteria, terms and conditions.