Bank of Scotland Offset Mortgages

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1.41%Reverts to 3.75% after 2 years

Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

With history dating back to the 17th century, the Bank of Scotland (now part of HBOS along with Halifax) offers a variety of different financial products, including insurance, ISAs, savings accounts and mortgages that may be of use to customers.

If you are searching for an appropriate mortgage with the Bank of Scotland, offset mortgages are unfortunately not currently offered, although the company do offer a number of other products, including fixed rate and tracker mortgages. The tables on this page feature the latest mortgage deals available from HBOS as well as over 5,000 other leading motgage deals:


About you
Your income
Partner income
Income = £65,000
This calculates your maximum loan
Your property
Property value
Your deposit
Borrow = £125,000
Your loan to value (LTV) = 56%
Your mortgage
Mortgage Type
Payment Method
Payment Term

No mortgages were found which match these requirements. Please use the search form above to find mortgages which suit your precise requirements.

 Customers who can commit more to their offset mortgage will generally see the best return in terms of an interest reduction, it is also possible in some cases to link several accounts together save even more.

The savings used for an offset mortgage are generally best used on a long term basis, as withdrawing money from a linked savings account may dramatically increase mortgage interest rates.

It is also worth remembering that the starting interest rates on offset mortgages often tend to be higher than many other types of interest rate deal. So it therefore important ensures that enough capital is placed into a savings account to make this type of mortgage viable.

If you are searching for an appropriate offset mortgage deal, see our comparisons table above.


The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker