Halifax Equity Release


  • No advisor or broker fees to pay back
  • 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 is included based on the open market value

To check whether Halifax equity release is suitable for your circumstances, please complete the form below:

Halifax Bank – Detailed Organisational and Regulatory Information

If you want to avoid moving home and you don’t want questions about age limits, credit score, monthly payments, your ltv ratio or retirement planning, you can consider Halifax equity release.


(Halifax is a division of Bank of Scotland plc, itself a wholly owned subsidiary of Lloyds Banking Group plc)


⚙️ Corporate Structure and types of equity release industry body

Entity NameCompany NumberJurisdictionNotes
Halifax (as trading name)United KingdomBrand name under Bank of Scotland plc – equity release adviser hub
Bank of Scotland plcSC327000ScotlandLegal entity operating Halifax brand responsible for the Halifax equity release calculator
Lloyds Banking Group plcSC095000ScotlandUltimate parent of Halifax/BoS/Lloyds
HBOS plcSC218813ScotlandHolding company of legacy Halifax Group
Halifax Share Dealing Ltd.3195646England & WalesInvestment & share trading services
Clerical Medical Investment Group02457558England & WalesLife insurance (legacy HBOS subsidiary)
St. Andrew’s Insurance plc03110669England & WalesLegacy insurance company (HBOS entity)
Halifax Life Limited01225468England & WalesClosed-book life insurer (legacy)
Birmingham MidshiresUK (BoS sub-brand)Brand under Halifax/BoS for mortgages

🛡️ UK Regulatory Registrations for Halifax Equity Release

Regulatory BodyRegistration Number – industry bodyEntity RegisteredRegulated Activities
FCA (Financial Conduct Authority)169628Bank of Scotland plcRegulated mortgage lending, savings, insurance
PRA (Prudential Regulation Authority)169628Bank of Scotland plcDeposit-taking, capital adequacy
FCA – Halifax Share Dealing Ltd183332Halifax Share Dealing LtdStockbroking, ISA/SIPP platforms
FCA – HBOS Investment Fund Managers119223(LBG entity)Asset and fund management (legacy brand)
ICO (Data Protection Register)Z7191806Bank of Scotland plcData controller under DPA 2018/GDPR

🌍 International Operations and Regulation plus legal advice

RegionStatusNotes
Republic of IrelandPassporting rights via BoS Ireland (legacy HBOS)Largely wound down; some services remain under Lloyds Ireland
Channel Islands/Isle of ManLloyds International operated under LBGThe Halifax brand is not primary, but deposit and mortgage products similar
EU/EEA Post-BrexitEU passporting rights ceasedHalifax operations consolidated under Lloyds EU entities
Australia/Canada/USNo active Halifax regulatory registrationLBG may operate other brands in these jurisdictions

🏦 Activities and Services Offered (UK) for the value of your home (value of your property)

Activity TypeDescription
Retail Banking for a lifetime mortgagePersonal current accounts, savings accounts, debit cards
Mortgage Lending for releasing equityFirst-time buyer, remortgage, home mover, shared ownership, new build
ISA Products with no negative equityCash ISAs, Fixed ISAs, Help to Buy ISA (now closed to new applicants)
Credit Cards with a cash lump sumUnderwritten by Legal & General (sold under the Halifax name)
Personal Loans for loved onesUnsecured personal loans up to £50,000, including for people on state benefits
Home Insurance for a specialist Halifax equity release productBuildings & contents insurance via Lloyds/HBOS underwriting
Life Insurance for a home reversion planEasy-access, fixed-term, children’s accounts
Stockbroking/Investments for equity release workISA, GIA, SIPP services via Halifax Share Dealing Ltd.
Online & Mobile Banking for lifetime mortgage product standardsFull retail access with account switching and money management
Savings Accounts industry bodyEasy-access, fixed term, children’s accounts
Business Banking two main types tax freeNot branded under Halifax – provided via Lloyds Bank

📊 Legacy and Closed Book Services alongside the equity release council

ServiceStatus
Halifax Life AssuranceThis is closed to new business including the Halifax equity release provider
Halifax Financial Services Ltd.Absorbed into BoS/Lloyds units at market value
Clerical MedicalNow part of Scottish Widows at market rate
HBOS Investment FundsFunds wound down or rebranded after the drop in house prices
Halifax Student AccountsStill offered via Lloyds Group including equity release advice

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 and Halifax Equity Release)

FieldDetails
Registered Office for long term careThe Mound, Edinburgh, EH1 1YZ, United Kingdom
Company NumberSC327000 (Registered in Scotland)
FCA Firm Reference No.169628
PRA AuthorisedYes
VAT NumberGB 244155576
Legal Status for council tax and care costsPublic limited company (plc)
Parent CompanyLloyds Banking Group plc (Company No. SC095000)

🏤 Halifax General Customer Service (Retail Banking) for help with the early repayment charge

PurposeContact MethodDetails
General Enquiries (UK) for home improvements📞 Phone0345 720 3040 (Mon–Sat 8 am–6 pm, Sun closed)
🌐 Webhttps://www.halifax.co.uk
Post for Account Services✉ PostalHalifax, PO Box 548, Leeds, LS1 1WU
Complaints (UK) for benefit entitlement✉ PostalHalifax, PO Box 761, Leeds, LS1 9JF
🖥 Onlinehalifax.co.uk/contactus/complain

🏦 Halifax Share Dealing Ltd. (Investment Services) property market considerations

FieldDetails
Company Number03195646 (England and Wales)
FCA Firm Ref. Number183332
Registered Address for the Halifax equity release agreementTrinity Road, Halifax, West Yorkshire, HX1 2RG
Customer Service for property value📞 03457 22 55 25
🌐 halifax.co.uk/sharedealing

🔐 Data Protection and home equity early repayment for equity release schemes

FieldDetails
Data Controller for an equity release mortgage Bank of Scotland plc
ICO Registration used for the repayment chargeZ7191806
Data Subject Access and Complaints Proceduredataprotection@lloydsbanking.com (covers all LBG brands)
Data Subject Access and complaints procedureHalifax DSAR, PO Box 761, Leeds, LS1 9JF

📮 Mailing Addresses Summary for Halifax Equity Release Rates

DepartmentAddress
Customer Services (Retail) for home reversionHalifax, PO Box 548, Leeds, LS1 1WU
Complaints to use equity releaseHalifax, PO Box 761, Leeds, LS1 9JF
Share Dealing (Investments) for people that need to payHalifax Share Dealing Ltd, Trinity Road, Halifax, HX1 2RG
Legal and Regulatory issues with the amount you oweThe Mound, Edinburgh, EH1 1YZ (Bank of Scotland plc headquarters)

Halifax Lifetime Mortgages

house sale saved by Halifax equity release

Other things to consider

  • Budget for your utility bills
  • Consider the green living reward
  • Assess home reversion schemes
  • Consider when your mortgage term ends
  • Liquidate your investment property and buy to let current mortgage
  • Good terms for people living in Northern Ireland
  • Consider additional borrowing, although some conditions apply
mortgage and protection advisers for low equity release cost