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Compare Bank of Scotland Mortgages. BOS is a commercial and clearing bank based in Edinburgh. They offer mortgages to homeowners and landlords, including first time buyers, homeowners looking to move and property owners who want to refinance to get a better deal.

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Mortgage type
Initial rate term
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2021 From NatWest
Initial rate 1.54% Mar-2021
Maximum LTV 60%
Overall cost of comparison 4% APRC
See deal
No Valuation & Legal Fees
FREE legal & valuation fees!
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2021 From Virgin Money
Initial rate 1.67% Mar-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2022 From Virgin Money
Initial rate 1.78% Mar-2022
Maximum LTV 65%
Overall cost of comparison 4.1% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2021 From NatWest
Initial rate 1.82% Mar-2021
Maximum LTV 80%
Overall cost of comparison 4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 1.84% Jan-2021
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2024 From NatWest
Initial rate 1.94% Mar-2024
Maximum LTV 60%
Overall cost of comparison 3.5% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 1.95% Jan-2021
Maximum LTV 85%
Overall cost of comparison 4.3% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2021 From Virgin Money
Initial rate 1.98% Mar-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2024 From Virgin Money
Initial rate 2.01% Mar-2024
Maximum LTV 65%
Overall cost of comparison 3.8% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Tue: 8am - 8pm
Wed: 8am - 8pm
Thu: 8am - 8pm
Fri: 8am - 8pm
Sat: 9am - 4pm
Sun: Closed
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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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The various products Bank of Scotland offers are suitable for different kinds of borrowing needs, so it is a good idea to familiarise yourself with their various offers to see which could be a good fit for you.

Compare Bank of Scotland mortgages

Bank of Scotland provide standard mortgages for homeowners alongside a number of more specialist loan types aimed at specific types of customers.

First Time Buyers

As long as the property you wish to buy is worth more than £40,000 you may be able to qualify for a first time buyer mortgage with Bank of Scotland. You will usually need a 10% deposit, unless using the government’s Help to Buy scheme, in which case you may be able to qualify with a 5% deposit.

Buy to Let

Bank of Scotland do not offer buy to let mortgages directly, but they do offer them through Halifax, which operates as a trading division of Bank of Scotland. How much you can borrow will be based on how much a Halifax surveyor thinks the rental income on your property will be. The rental income must equal at least 125% of the annual interest only payments on your mortgage.

Remortgaging with Bank of Scotland

If you want to unlock some extra cash or bring down your mortgage repayments, remortgaging can be a good option. Bank of Scotland can help you switch your mortgage and save money. If your aim is to increase your borrowing, you may also want to consider taking out a separate second charge mortgage as this can sometimes be cheaper.

Loan to value ratio

Lenders make their decisions about how much customers can borrow based on a number of factors, one of the most important of which is loan to value (LTV) ratio. This describes what percentage of the property’s market value the total value of any loans secured against it will make up.

So, if you borrow £50,000 against a property worth £100,000 then the LTV would be 50%. If you then took out a further loan for £25,000, secured against the same property, your LTV would increase to 75%. Most lenders will tend to offer better interest rates on mortgages with a lower loan to value ratio.

Find the best deals on mortgage rates

There are so many different lenders and types of mortgages on the market that finding the best deal to match your needs and circumstances can be a real headache. Fortunately, our mortgage calculator (see the top of the page) makes things much easier.

All you need to do is select the reason for borrowing, how much you need to borrow, how long you want to repay over, plus a few other basic details. Then the calculator will show you all the best deals we have sourced from across the market that match your requirements.  

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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