Fixed interest rate of 4.69% for life from the Halifax
Make monthly repayments if you wish
No penalties for paying off early
Lifetime plan with no fixed end date
Free valuation of your property included
To check whether Halifax equity release is suitable for your circumstances, please complete the form below:
Halifax Bank – Detailed Organisational and Regulatory Information (Halifax is a division of Bank of Scotland plc, itself a wholly owned subsidiary of Lloyds Banking Group plc)
Largely wound down; some services remain under Lloyds Ireland
Channel Islands/Isle of Man
Lloyds International operated under LBG
Halifax brand not primary, but deposit and mortgage products similar
EU/EEA Post-Brexit
EU passporting rights ceased
Halifax operations consolidated under Lloyds EU entities
Australia/Canada/US
No active Halifax regulatory registration
LBG may operate other brands in these jurisdictions
🏦 Activities and Services Offered (UK)
Activity Type
Description
Retail Banking
Personal current accounts, savings accounts, debit cards
Mortgage Lending
First-time buyer, remortgage, home mover, shared ownership, new build
ISA Products
Cash ISAs, Fixed ISAs, Help to Buy ISA (now closed to new applicants)
Credit Cards
Halifax branded Visa credit cards
Personal Loans
Unsecured personal loans up to £50,000
Home Insurance
Buildings & contents insurance via Lloyds/HBOS underwriting
Life Insurance
Underwritten by Legal & General (sold under Halifax name)
Stockbroking/Investments
ISA, GIA, SIPP services via Halifax Share Dealing Ltd.
Online & Mobile Banking
Full retail access with account switching and money management
Savings Accounts
Easy-access, fixed term, children’s accounts
Business Banking
Not branded under Halifax – provided via Lloyds Bank
📊 Legacy and Closed Book Services
Service
Status
Halifax Life Assurance
Closed to new business
Halifax Financial Services Ltd.
Absorbed into BoS/Lloyds units
Clerical Medical
Now part of Scottish Widows
HBOS Investment Funds
Funds wound down or rebranded
Halifax Student Accounts
Still offered via Lloyds Group
Certainly. Below is the postal address and contact information for the principal entities associated with Halifax, all of which operate under the legal structure of Bank of Scotland plc, a wholly owned subsidiary of Lloyds Banking Group plc.
🏢 Legal Entity: Bank of Scotland plc (trading as Halifax)
Field
Details
Registered Office
The Mound, Edinburgh, EH1 1YZ, United Kingdom
Company Number
SC327000 (Registered in Scotland)
FCA Firm Reference No.
169628
PRA Authorised
Yes
VAT Number
GB 244155576
Legal Status
Public limited company (plc)
Parent Company
Lloyds Banking Group plc (Company No. SC095000)
🏤 Halifax General Customer Service (Retail Banking)
