Sometimes a new opportunity or a change in your circumstances may mean that you need to raise additional funds.

As a Private Banking customer, you will have access to our flexible lending solutions that have been designed to help suit your needs.

With the support of our dedicated specialist lending team, we can help you with a range of options to access additional finance - from overdrafts and loans through to selected multi-currency borrowing and specialised finance.

The form of lending that might be right for you depends on whether you are looking to borrow for the short or the long-term. Our lending specialists will take the time to understand your requirements, take into consideration your specific circumstances and discuss which of our solutions, amount and period of borrowing are suitable for you.

To give you an idea of just some of the options available, we can help you with the following services.1

  • Personalised credit lines – for short-term expenses such as buying a car, school fees, tax bills, etc.
  • Bridging finance when you’re moving home.
  • UK mortgages when you’re buying property in the UK.
  • Property development finance, including staggered lending for projects to build your home.
  • Probate loans for paying inheritance tax.
  • Short and long-term loans including larger loans secured on UK property or other assets.
  • Funding for investing in a partnership in a firm.

For information about Overdrafts and Overdraft alerts click Here.

General Information about our lending and financing (PDF).

Become a Customer

To apply for our Private Banking service, you’ll need to have: at least £250,000 in savings and/or investments with Bank of Scotland, and/or at least a £750,000 mortgage with Bank of Scotland.

Any charges that apply and what these cover will be explained and agreed with you before any services or products are provided to you.

Find out more Find out more about Private Banking and the fees for this service

Our tracker rates are linked to the Bank of England Base rate administered by the Bank of England, this rate can go up or down which will impact the cost of your loan/mortgage payments.

Lending is subject to our responsible lending criteria. 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. Overdrafts are repayable in full on demand. Your home may be repossessed if you do not keep up repayments on your mortgage. Changes in exchange rates may increase the sterling equivalent of your debt.


We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

Download the statement of responsibilities

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..