Bank of Scotland

Founded in 1695, the Bank of Scotland rapidly grew in the 20th century, to merge with Halifax in September 2001 forming HBOS which has largest private shareholder register in the UK today and is UK's largest mortgage and savings provider. It has over £440 billion in assets, around 2.5 million private shareholders, and profit before Tax was £4.6 billion for the year ended 31st December 2004.

Home owner mortgages are provided through the Halifax. To see the different types of offered mortgages, please refer to the Halifax. However, Bank of Scotland offers business mortgages directly. You can choose from:

• Commercial Mortgages
• Property Finance
• Smartfinance
• Marine Mortgages

Commercial Mortgages: which are flexible mortgages and you can choose from a fixed or variable rate. You can choose between interest only and capital repayment methods. These products are flexible and you can take repayment holidays if you want to.

Property Finance: these are products intended to suit individual segments of industry, including: residential, offices, commercial, industrial and retail, professional practices, hotels and licensed trade, health care, day nurseries and licensed schools.

Smartfinance: this is a business mortgage linked to a choice of current accounts. You can either pay off your mortgage early or have lower payments as you go along.

Marine Mortgage: this mortgage is specifically offered for marine living, from dinghies to luxury yachts.

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