Our brands
HBOS has a multi-brand presence in the market delivered through the following Group divisions.
For more information about each division, click on the divison's name and for more information about each brand, click on the logo.
Retail Banking Our Retail strategy is focused on creating shareholder value by delivering better deals for customers.
- Halifax is the UK's largest mortgage and savings provider.
- The Halifax portfolio offers consumers a range of leading bank accounts. Our share of new bank accounts increased to 19% in 2006.
www.bankofscotland.co.uk 
Founded in 1695, Bank of Scotland is one of the UK's leading clearing banks, widely respected as an innovative and forward thinking player in the financial services sector. The Bank provides full banking services for personal, business and corporate customers.
www.halifax.co.uk
For 20 million customers, one of the UK's best known and most liked brands - "Always giving you extra". Halifax online provides you with information on bank accounts, credit cards, insurance, mortgages, loans, share dealing and estate agency.
www.bankofscotlandintermediary.co.uk
Bank of Scotland Intermediary provide mortgages for intermediaries whose clients have unusual or complex circumstances. Our mortgages are tailored for self-employed & high net-worth clients, commission based workers and clients purchasing property as an investment.
www.askbm.co.uk
Birmingham Midshires provides a range of specialist lending and savings products to customers throughout the UK.
www.bmsolutions.co.uk
BM Solutions is the specialist lending brand of HBOS, offering a range of mortgage products to intermediaries.
HBOS Employee Equity Solutions
We are a leading specialist administrator in UK and global all-employee and executive share plans. HBOS EES are dedicated to the provision of first class employee share plan administration solutions tailored to our clients' requirements. Whilst our customisable technology, products and services are second to none, it is our people and the way we do business which makes the difference. Our unrivalled range of products and services, coupled with 25 years of industry experience, has enabled HBOS EES to become the force in employee share plan administration that we are today. We currently administer share plans for over 1 million participants with holdings worth approximately £5 billion.
Bank of Scotland Private Banking
Bank of Scotland Private Banking looks at things differently. For us, it’s about exploring new approaches to financial solutions and suggesting challenging and innovative ways to help you manage and grow your personal wealth.
As a private client, you will have access through our Relationship Managers to a team of experts geared to providing support for all your financial needs. You will also have access to complete range of HBOS banking, savings and investment products.
www.halifax-intermediaries.co.uk
Halifax offers a great range of mortgage and personal loans products to intermediaries. Our online services reinforce our commitment to delivering world-class award-winning service to intermediaries and their clients.
www.halifax.co.uk/sharedealing/sharedealinghome.asp
Halifax Share Dealing offers a telephone and online dealing service. Our Halifax ShareBuilder account allows you to buy shares for £1.50 commission. We also offer a self select PEP and ISA, allowing you to benefit from growth free from Capital Gains Tax.
www.halifax.co.uk/estateagency/estateagencyhome.asp
Our aim is to make the buying, selling or letting of a house easy by providing all of the services that our customers require under one roof. We do that by having better trained and more professionally accredited colleagues who provide a better service than our competition (voted Best Estate Agency Chain 2005, 2006 and 2007). We combine a national support network with local expertise which delivers a professional, dependable and more trustworthy customer experience.
www.if.com
Intelligent Finance offer an online banking service, and is the place to go if you're looking to offset your mortgage against your savings and current account.
www.sainsburysbank.co.uk
At Sainsbury's Finance, we're committed to offering our customers quality and value in everything we do. We know that great financial products are just as important to our customers as the ones on our shelves. We offer customers a range of financial services to help them make the most of their money, today and tomorrow. We've got everything you'd expect such as savings, a credit card, loans and insurances. We even offer travel money when you go abroad.
www.t-m-b.co.uk
The Mortgage Business (TMB) was established in 1989 and since then has carved out an enviable reputation in the intermediary mortgage market offering specialist mortgage products such as true self cert, buy to let and flexible mortgages.
www.colleys.co.uk
Colleys is the largest valuation and surveying business of its kind in the UK offering a comprehensive range of innovative valuation and survey products.
www.sjpbank.co.uk 
St. James's Place Bank was launched in 2001 and offers a telephone and internet banking services to personal clients. The Bank is marketed exclusively through the St. James's Place Partnership.
Halifax International
Saving offshore is easy with Halifax International. We offer a range of offshore savings accounts in Sterling US Dollar and Euro.
You can choose to save in three ways - with our Web Saver, Fixed Rate Web Saver and Regular Saver accounts, each of which offers its own distinct benefits.
You can access your money online, and we also have a phone team in Jersey and Isle of Man. We're expats ourselves - so you'll be talking to people who know offshore savings inside out.
For more info on offshore savings, click here to visit the Halifax International site.
Halifax International is a business name registered in Jersey and the Isle of Man for Bank of Scotland International Limited. Bank of Scotland International Limited is the deposit taker and accounts held at the Isle of Man branch. Registered and incorporated in Jersey. Registered as a foreign company in the Isle of Man having a place of business at Evergreen House, 43 Circular Road, Douglas, Isle of Man. Copies of the latest audited accounts of Bank of Scotland International Limited are available for inspection on request. The paid up capital and reserves of Bank of Scotland International Limited exceed £167m as at 31st December 2006. Bank of Scotland International Limited is regulated by the Jersey Financial Services Commission. In respect of its Isle of Man branch, it is licensed by the Financial Supervision Commission for banking business. Deposits are not covered by the Financial Services Compensation Scheme under the Financial Services and Markets Act 2000 of the United Kingdom. Bank of Scotland International Limited participates in the Depositors Compensation Scheme contained in the Banking Business (Compensation of Depositors) Regulations 1991 of the Isle of Man, as amended
Bank of Scotland Corporate has a reputation for excellence in the provision of corporate finance, delivering innovative funding solutions across a range of markets.
Bank of Scotland Corporate employs about 9,000 people with total lending of £85.3 billion at December 2006. Bank of Scotland draws on an expert pool of professionals with proven track records across corporate finance, including integrated finance, joint ventures, structured finance, acquisition finance, and infrastructure and housing finance.
www.capitalfinance.com.au
Capital Finance Australia Ltd is a full spectrum finance company with a genuine commitment to provide service excellence, to be a responsive and innovative financier and to bring new ideas and products to the market.
www.lex.co.uk
Lex is the largest car and van contract hire company in the UK.
www.bankofscotlandfreeway.co.uk
Freewaycars Ltd is a Bank of Scotland group company which offers customers a Vehicle finance solution. Freeway can offers a complete sourcing and finance package which makes buying your new car even easier.
www.mentorservices.com
Mentor Professional Services, was established in 1998 and is a leading provider of specialist medical and employment services. Lawyers and insurance companies can benefit from the services provided by Mentor, which offers reliability, quality and a customer focused approach to both claimants and clients.
www.hillhire.co.uk
The formidable combination of many decades of truck and trailer rental experience allied to a forward looking financial institution provides the obvious advantages of strength, reliability and success.
www.bankofscotland-international.com
Bank of Scotland International offers a range of services to suit the needs of customers all over the globe - whether they live in the UK or overseas. These include everything from offshore banking and savings accounts receiving gross interest, and offshore mortgages on UK property to reduced terms on private healthcare
The HBOS Investments division is the number one provider of new investments in the UK.
- HBOS Insurance has grown rapidly since its inception a decade ago and is one of the largest providers of insurance in the market. The range of HBOS insurance brands includes Halifax Insurance and Sheila's Wheels, growing businesses offering a range of general insurance products and services.
- Through the Clerical Medical and Halifax investment brands we are the UK's number one bancassurer, providing life insurance, pensions and investment products. Through our asset management division - Insight Investment - we manage more than £90bn of investments.
www.halifaxinsuranceireland.ie
Halifax Insurance Ireland Ltd, was set up in September 2000 in Shannon, Co. Clare. The company operates in the UK insurance market, underwriting and administering repayments insurance policies for HBOS customers. The company was voted in the Top 10 of Ireland's 50 best companies to work for in 2004, coming first in the 250-500 employees category.
Bank of Scotland Investment Service
At Bank of Scotland Investment Service, we understand your desire to make the most of your investments and, as experts in long term financial planning, we’re here to help you achieve your financial goals.
As a client, you will benefit from the one-to-one service of a dedicated Client Manager who can meet at a time and place that suits you best. By taking the time to get to know you, your lifestyle, attitude to investment risk and financial objectives for the future, your Client Manager will identify and provide advice on options that are best suited to your needs.
Bank of Scotland Annuity Service
Bank of Scotland Annuity Service is one of the UK’s leading annuity brokers, dedicated to helping our clients get a great deal on their retirement income. Typically, our clients have pension funds totalling at least £40,000 and we can help by finding the best financial deal for their personal circumstances. Our advisers look at all the annuities available on the Open Market and on average we get our clients 22% more retirement income than if they did not shop around.
Selecting an annuity is one of the most important financial decisions you will ever make. You can only make the decision once so it is crucial to get it right. Remember, you don’t have to buy your annuity from the company that holds your pension - you can often get a better deal elsewhere. We don’t sell our own annuities, so you can trust us to give you honest and unbiased advice.
Bank of Scotland Portfolio Management Service
Bank of Scotland Portfolio Management Service offers you the chance to invest directly in the stock market – without any of the hard work. Our clients typically have more than £100,000 in cash, existing securities or a mixture of both to invest. Using our expertise, we work closely with our clients to establish their objectives and attitude towards risk – and then create a portfolio suited to their specific requirements.
As a Portfolio Management Service client, you will benefit from having your own dedicated Portfolio Manager to look after your capital. So, whether you’re investing for income or for capital growth, you can be confident in the knowledge that all your paperwork is being taken care of – and that you’ll be kept fully informed, with regular performance updates
www.clericalmedical.co.uk
Clerical Medical is part of the HBOS Group (Halifax Group and the Bank of Scotland). It’s the UK's largest mortgage and savings provider, with around 23 million customers.
www.clerical-medical.com
Clerical Medical's international gateway page giving direct access to the websites for Austria, Belgium, Germay, Hong Kong & Middle East, Italy, Offshore Investments, UK and other global websites.
www.esure.com
esure was launched in 2001 and is a joint venture between Peter Wood - the financial services entrepreneur and HBOS. The company offers car, home, pet and travel insurance over the internet and by phone. esure also offers car insurance cover through the Halifax Car Insurance, First Alternative, Sainsbury’s Car Insurance and, most recently, Sheilas’ Wheels brands.
www.st-andrews.co.uk
St Andrews is recognised as a leading personal lines insurer in the UK thanks to cutting edge systems, highly experienced staff and a genuine commitment to customer service through teamwork.
www.insightinvestment.com
Insight Investment is the asset manager of HBOS plc. The origins of Insight lie within Clerical Medical, one of the UK’s oldest investment managers, having been founded in 1824.
In 2002, Clerical Medical Investment Management Limited, which had been incorporated in 1987, was re-branded Insight Investment. In January 2003, Insight acquired Rothschild Asset Management Limited.
Insight Investment is now one of the UK’s largest asset managers with over £98.6 billion in assets under management (as at 31 December 2006).
www.firstalternative.com
First Alternative is the esure underwritten brand for higher premium drivers. It is designed to cater for drivers over 21 with higher risk profiles due to their car models or insurance history.
www.sheilaswheels.com
Sheilas’ Wheels was launched by esure in October 2005 by an all-female management team so that it would give more back to women buying car insurance - in terms of cheaper prices, benefits tailored to women’s needs and excellent service.
www.sjp.co.uk
St. James's Place plc provides a range of financial services through a network of wealth managers across the UK. 60% of the issued sharecapital was acquired by Halifax Group plc in summer 2000.
The International division includes BankWest in Australia, Bank of Scotland Ireland, Banco Halifax Hispania and operations in North America and Europe. The International division accounted for about 15% the Group's annual profit in 2006 and employs about 8,000 people.
www.bankwest.com.au
BankWest is a full service bank based in Perth, Western Australia and is a market leader in its Home State. Nearly 660,000 customers are served through an extensive network of branches, agencies and electronic banking facilities, as well as 24-hour telephone and internet banking services.
www.bos.com.au
Bank of Scotland established the operations of BOS International in Australia in 1995. Though its network of offices across Australia and its newly established office in Auckland, BOS International provides and arranges innovative and flexible funding structures in the corporate, property, acquisition, project and infrastructure markets.
www.bankofscotland.ie
Bank of Scotland (Ireland) Ltd offers an efficient and personalised service. With headquarters in Dublin and regional offices in Belfast, Cork, Galway, Limerick and Waterford. We are "a people's business" with a driving ambition to become Ireland's No.1 Business Bank.
www.heidelberger-leben.de
Heidelberger Leben is a German life insurance company and was founded in 1991 by the financial distributor MLP AG (then trading as MLP Lebensversicherung AG). Since 2005, Heidelberger Leben is part of the British HBOS Group (Halifax Bank of Scotland), Heidelberger Leben offers typically German life insurance products.
CMH Vertriebs Service exclusively supports distribution of the provision solutions offered by the insurers Heidelberger Leben and Clerical Medical.
Banco Halifax Hispania
Banco Halifax Hispania provide banking and mortgage products and services which are designed to meet the needs of expatriates, both resident and non-resident within Spain. Our mortgage products offer attractive rates, up to 70% mortgages and repayment terms up to 40 years - all in English.
www.bankofscotland.nl
Bank of Scotland started its Retail organisation in the Netherlands in 1999. The cutting edge business model proved to be highly successful selling mortgages through the internet and via thousands of Intermediaries. The business is located in Amsterdam and employs approximately 50 people.
HBOS Treasury plays a significant role as the predominant supplier of treasury services to HBOS customers as well as the Group's other divisions. Areas of expertise include foreign exchange, interest rate and equity derivatives, securitisation and commodity hedging.
www.hbosplc.com/treasury
Bank of Scotland Treasury provides a number of key services to the Group including management of its balance sheet and also offers a complete range of treasury services to its customers and those of the operating divisions.
BOSdeal.com
BOSdeal.com is Treasury's Internet based dealing service that provides registered customers with real-time rates and dealing capability in FX spot, FX forwards and money market deposits.
