Halifax Equity Release

  • No advisor or broker fees to pay
  • 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)

⚙️ Corporate Structure

Entity NameCompany NumberJurisdictionNotes
Halifax (as trading name)—United KingdomBrand name under Bank of Scotland plc
Bank of Scotland plcSC327000ScotlandLegal entity operating Halifax brand
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 Midshires—UK (BoS sub-brand)Brand under Halifax/BoS for mortgages

🛡️ UK Regulatory Registrations for Halifax Equity Release

Regulatory BodyRegistration NumberEntity 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

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)

Activity TypeDescription
Retail BankingPersonal current accounts, savings accounts, debit cards
Mortgage LendingFirst-time buyer, remortgage, home mover, shared ownership, new build
ISA ProductsCash ISAs, Fixed ISAs, Help to Buy ISA (now closed to new applicants)
Credit CardsUnderwritten by Legal & General (sold under the Halifax name)
Personal LoansUnsecured personal loans up to £50,000
Home InsuranceBuildings & contents insurance via Lloyds/HBOS underwriting
Life InsuranceEasy-access, fixed-term, children’s accounts
Stockbroking/InvestmentsISA, GIA, SIPP services via Halifax Share Dealing Ltd.
Online & Mobile BankingFull retail access with account switching and money management
Savings AccountsEasy-access, fixed term, children’s accounts
Business BankingNot branded under Halifax – provided via Lloyds Bank

📊 Legacy and Closed Book Services

ServiceStatus
Halifax Life AssuranceThis is closed to new business
Halifax Financial Services Ltd.Absorbed into BoS/Lloyds units
Clerical MedicalNow part of Scottish Widows
HBOS Investment FundsFunds wound down or rebranded
Halifax Student AccountsStill 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)

FieldDetails
Registered OfficeThe Mound, Edinburgh, EH1 1YZ, United Kingdom
Company NumberSC327000 (Registered in Scotland)
FCA Firm Reference No.169628
PRA AuthorisedYes
VAT NumberGB 244155576
Legal StatusPublic limited company (plc)
Parent CompanyLloyds Banking Group plc (Company No. SC095000)

🏤 Halifax General Customer Service (Retail Banking)

PurposeContact MethodDetails
General Enquiries (UK)📞 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)✉ PostalHalifax, PO Box 761, Leeds, LS1 9JF
🖥 Onlinehalifax.co.uk/contactus/complain

🏦 Halifax Share Dealing Ltd. (Investment Services)

FieldDetails
Company Number03195646 (England and Wales)
FCA Firm Ref. Number183332
Registered AddressTrinity Road, Halifax, West Yorkshire, HX1 2RG
Customer Service📞 03457 22 55 25
🌐 halifax.co.uk/sharedealing

🔐 Data Protection

FieldDetails
Data ControllerBank of Scotland plc
ICO RegistrationZ7191806
Contact Emaildataprotection@lloydsbanking.com (covers all LBG brands)
Data Subject AccessHalifax DSAR, PO Box 761, Leeds, LS1 9JF

📮 Mailing Addresses Summary

DepartmentAddress
Customer Services (Retail)Halifax, PO Box 548, Leeds, LS1 1WU
ComplaintsHalifax, PO Box 761, Leeds, LS1 9JF
Share Dealing (Investments)Halifax Share Dealing Ltd, Trinity Road, Halifax, HX1 2RG
Legal and RegulatoryThe Mound, Edinburgh, EH1 1YZ (Bank of Scotland plc headquarters)

Halifax Lifetime Mortgages

house sale saved by Halifax equity release