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:
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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
🌍 International Operations and Regulation plus legal advice
Region
Status
Notes
Republic of Ireland
Passporting rights via BoS Ireland (legacy HBOS)
Largely wound down; some services remain under Lloyds Ireland
Channel Islands/Isle of Man
Lloyds International operated under LBG
The Halifax brand is 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) for the value of your home (value of your property)
Activity Type
Description
Retail Banking for a lifetime mortgage
Personal current accounts, savings accounts, debit cards
Mortgage Lending for releasing equity
First-time buyer, remortgage, home mover, shared ownership, new build
ISA Products with no negative equity
Cash ISAs, Fixed ISAs, Help to Buy ISA (now closed to new applicants)
Credit Cards with a cash lump sum
Underwritten by Legal & General (sold under the Halifax name)
Personal Loans for loved ones
Unsecured personal loans up to £50,000, including for people on state benefits
Home Insurance for a specialist Halifax equity release product
Buildings & contents insurance via Lloyds/HBOS underwriting
Life Insurance for a home reversion plan
Easy-access, fixed-term, children’s accounts
Stockbroking/Investments for equity release work
ISA, GIA, SIPP services via Halifax Share Dealing Ltd.
Online & Mobile Banking for lifetime mortgage product standards
Full retail access with account switching and money management
Savings Accounts industry body
Easy-access, fixed term, children’s accounts
Business Banking two main types tax free
Not branded under Halifax – provided via Lloyds Bank
📊 Legacy and Closed Book Services alongside the equity release council
Service
Status
Halifax Life Assurance
This is closed to new business including the Halifax equity release provider
Halifax Financial Services Ltd.
Absorbed into BoS/Lloyds units at market value
Clerical Medical
Now part of Scottish Widows at market rate
HBOS Investment Funds
Funds wound down or rebranded after the drop in house prices
Halifax Student Accounts
Still 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)
Field
Details
Registered Office for long term care
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 for council tax and care costs
Public limited company (plc)
Parent Company
Lloyds Banking Group plc (Company No. SC095000)
🏤 Halifax General Customer Service (Retail Banking) for help with the early repayment charge
