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A simples guide

Compare Bank of Scotland Mortgages

The Bank of Scotland has established itself as a firm favourite in the mortgage market, even though it does not sell its own products but sells its sister brand Halifax’s home loans instead.


The two companies merged in 2001 and they both became a part of the Lloyds Group in 2009. This has given Scotland’s oldest bank a new range of products that have helped strengthen its proposition on both sides of the border.

Do you want a Bank of Scotland mortgage offer?

If you’re not sure if you qualify for a mortgage and you want to check first, the Bank of Scotland are there to help. Prospective applicants can apply for an agreement in principle, which could be useful if you just want to know how much the Bank of Scotland would be willing to lend you so you can start looking for a property.

Before you commit to applying for a mortgage, you should always check out the competition. Use our price comparison service and make sure you compare all your options and make the right choice for you.

What mortgages do the Bank of Scotland offer?

The Bank of Scotland mortgage rates make it an attractive option for first-time buyers or those moving home.. The Bank of Scotland mortgage portfolio includes fixed-rate terms of up to five years whose rates depend on the size of the deposit you have to put down.

Compare Bank of Scotland Mortgages

What mortgage rates is Bank of Scotland offering?

Let’s start with first time buyers. Bank of Scotland, through Halifax, has a number of two and five year fixed mortgages available for those looking to buy their first home. The actual rate you’ll pay will depend on a number of factors including your personal circumstances. How much deposit you’re able to put down will also have a big impact.

It’s also possible to arrange these deals without a fee in return for a higher rate of interest.

If you’re not a first time buyer and are simply moving home, Bank of Scotland also offers a range of fixed deals of 2 and 5 years at the same or very similar rates, with the same fees.

If you wish to re-mortgage with the Bank of Scotland, there are also 2 and 5 year fixed deals with loans also available up to 90% of value:

All rates quoted are for loans of up to £1 million. Rates vary for loans above this amount.

If you’re buying a property to rent out, Bank of Scotland offers specific tracker buy to let mortgages that are subject to special terms and conditions.

Make sure you compare

If you choose to go with the Bank of Scotland or you go with another provider, make sure you look at our mortgage tables. Look behind the headline figures, check the percentage over the full life of the mortgage and look out for other benefits.

Some people want the freedom to take a payment holiday, others look for cashback deals or rewards. Whatever you do, make sure you shop around. We can help you there.

All Bank of Scotland mortgage details are based on information provided on bankofscotland.co.uk data on 4 November 2016

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