Bank of Scotland

Bank of Scotland

Bank of Scotland merged with Halifax to create a huge company (HBOS plc) and an impressively diverse range of mortgages. In turn, HBOS was bought by Lloyds TSB in September 2008, creating the UK's largest overall mortgage lender.

The Halifax and Bank Of Scotland brands are now closely integrated, but Bank Of Scotland does still have its own separate mortgage deals – they're only offered via professional mortgage advisers.

You can get expert advice on Bank Of Scotland and all other UK lenders by filling out the form for a free call back.

About Bank Of Scotland Mortgages

All Bank Of Scotland mortgages have certain flexibility features, which have made them popular with new mortgage customers.  Bank of Scotland currently offers a range of 79 different residential mortgages. They go up to 90% Loan-to-Value (LTV), although the best interest rates are offered to customers with under 75% LTV.

The lowest interest rate (September 2008) is 5.65%, offered on a 2-year fixed rate.  There's also a 3-year variable rate starting at 5.75%.  These are available for borrowers on 75% LTV or less.

These mortgages are available for remortgages, purchases and first-time buyers, and have either a £999 or a £1,499 arrangement fee.

Elsewhere in its huge product range, Bank Of Scotland offers 90% mortgages at 6.64% variable, and has many variations of fees and conditions – 79 different deals in all.  To make sense of such a broad choice, not to mention competitors' products, you can get unbiased mortgage advice at any time using the form on your right.

Bank Of Scotland Remortgage Options

There is a slightly different fee structure for some of the Bank Of Scotland Remortgages, where instead of a fixed sum, the fee is calculated as 0.75% of the loan.  This might be a significant plus for those with sub-£100k remortgages.

Choosing a Bank Of Scotland Mortgage

It's a complicated job comparing all these mortgage deals, but you can get expert help.  Our service involves a free call back from an unbiased, FSA-qualified mortgage adviser – and no obligation whatsoever.

They offer a free and fair comparison of the rest of the UK mortgage market, as well as help with applying – making sure you are not caught out by the small print.

Click here to go to the 1-minute online enquiry form to get unbiased advice and a range of best-of-market quotes for your individual circumstances.

Step 1 of 3 About your mortgage


 
 
 

Step 2 of 3 About your mortgage

 

 

 


Step 2 of 3 About your mortgage
 
 
 
 

Step 3 of 3 Your details
 
 
 
 
 
 

 
 

Finished


Thank you for your enquiry.

Your adviser will be in touch with you shortly.


Mortgage Matron

Using the enquiry form above you'll get a call back from a fully qualified adviser. It's free and no obligation.

They can give you quotes and comparisons from just about every lender. (Or you can call 0845 803 5502 to do this by phone)

Abbey Alliance & Leicester Bank of Ireland Bank of Scotland Barclays Bradford & Bingley Bristol & West Britannia Building Society Chelsea Building Society Cheltenham & Gloucester Co-operative Bank GMAC RFC Halifax HSBC Lloyds TSB Mortgage Express Nationwide NatWest Royal Bank of Scotland West Bromwich Woolwich Abbey Alliance & Leicester Bank of Ireland Bank of Scotland Barclays Bradford & Bingley

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT

Our service is free to you but to operate this service we receive fees from the lenders or brokers we refer you to.There may be a fee for mortgage advice. The adviser is obliged to disclose to you the fee before providing the advice and the precise amount will depend upon your circumstances. We estimate that a typical fee will be 1% of the sum you borrow.