Our approach to Specialist Lending

  • We put each lending request in the hands of an expert.
  • We aim to identify the most suitable solution by considering your overall wealth, income, and viability of your proposal.
  • We offer flexible repayment options built around your income and planned asset disposals.
  • Pricing reflects the specific proposal details.
  • We can lend on an interest-only or a capital and interest basis.
  • If security is required, we can consider a wide range of assets.
  • Customers with large borrowing requirements benefit from a dedicated contact.
  • Service is available to anyone with a sole income of at least £100,000 or £250,000 or more in savings/investments. Fees and charges will apply.

Hamish Allison - Private Banking Lending Manager

“At Bank of Scotland Private Banking, we offer our clients a bespoke Specialist Lending Service, individually shaping loans to suit their unique requirements, with a flexible approach that enables us to offer solutions that take into account their overall wealth position.*


*How much we lend, the period and rate available are subject to our assessment of your circumstances. Specific eligibility criteria and conditions apply for certain types of lending. You must be 18 or over and a UK resident to apply. Lending is subject to status and application. Security may be required.

Some of the personal lending solutions we offer

Term Loans

Our term loans have been specifically designed to cater for their medium to long term needs. Loans can be interest-only or have capital and interest.

Buy To Let Loans

Our Buy to Let loans are designed to allow you to purchase property in order to let it out to tenants. (Up to 10 Properties).

Business Finance

As part of Lloyds Banking group we can introduce you to our Commercial team who can consider requests of a business nature.

Bridging Loan

Our Bridging Loans are designed to help you purchase your new home in advance of selling your existing home. Repayment would come from the sale proceeds of your existing home. These loans are available on an open basis where contracts have not been exchanged for their sale or on a closed basis where contracts have been exchanged.

Guarantor Loan

Our Guarantor Loan allows you to guarantee a family members borrowing. It’s the ideal way to help the next generation take their first step onto the housing ladder.

Inheritance Tax Lending

Executors will often need to pay inheritance tax charges before the distribution of the proceeds of an estate. Our short-term Inheritance Tax Loans allow this liability to be met. The loans and interest are then repaid once the estate has been settled.

Self-Build Mortgages

Our Self-Build Loans are great if you wish to build a new home or renovate your current one. The loan is tailored to the specific project and its time frame, allowing the drawing down of funds as required during the project.



Contact Us

If you are an existing Private Banking customer please contact us on 0345 711 1111.

If not and you are interested to find out more, please contact our team using the details below:

Call us on:
0345 366 2727

Calls may be monitored and recorded. Call costs may vary depending on your service provider. 


Request a convenient time for us to call you


Service eligibility

Bank of Scotland Private Banking offers two levels of service:

Our Private Banking service is available to customers with £250,000 or more in savings and/or investments or a mortgage of £750,000 or more with Lloyds Bank.

And our Private Client Service is available to clients with £2 million or more in savings and/or investments or an annual income of £500,000 or more.

Bank of Scotland plc and Lloyds Bank plc are both part of Lloyds Banking Group. More information on Lloyds Banking Group can be found at www.lloydsbankinggroup.com

Bank of Scotland plc
Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland No. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 169628.

Lloyds Bank plc 
Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.