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Bank of Scotland mortgages

Bank of Scotland (www.bankofscotland.co.uk) is a Edinburgh based bank, now part of the Halifax Bank of Scotland Group (HBOS), after merging, in 2001, with the Halifax. With more than 22 million customers, HBOS is now a major UK banking power.

The Bank of Scotland offers mortgages, savings, current accounts, personal loans, insurance, investments, share dealing, travel services and the Bank of Scotland credit cards.

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What does the Bank of Scotland offer?

The Bank of Scotland is now part of the giant banking group HBOS plc, the fifth largest in UK. Their website offers a useful guide to buying your first home, including how to create a realistic budget, view appropriate properties and how to prepare for the actual move.

A BoS Flexible Rate mortgage allows you to change how you make your repayments to suit your circumstances. You can repay your mortgage early by increasing your monthly payments – this in turn could lower the amount of money you pay in interest. You can borrow money quickly and easily, charged at the same rate of interest as your mortgage, and you can even reduce your repayments or take a repayment holiday.

THINK CAREFULLY BEFORE SECURING ANY DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.