Please use the Quicklinks menu below in order to navigate through the site.


Existing Customers - Mortgages

Finding the information you need about your mortgage

As an existing customer, you may have questions about your Scottish Widows Bank mortgage. In this section, you’ll find our most frequently asked questions. And in our literature library there are lots of useful brochures, guides and account maintenance forms that you can download. You'll also be able to view information and find out how to apply for additional borrowing , and how to add offset to your mortgage, potentially saving you thousands of pounds in interest over your mortgage term.

We also give you details about what you can do if you’re coming to the end of your current Scottish Widows Bank mortgage deal. To see the rates exclusively available to existing customers visit the Professional or Flexible interest rate pages through the left hand menu. If you're already on a two, three or five year fixed or variable rate, you may have to pay an early repayment charge to change your current deal.

We’re always happy to help too, so if you can’t find the information you’re looking for you can always contact our Customer Services Team on 0845 845 8555. Our lines are open Monday to Friday 8am to 6pm (Wednesdays from 10am).

Coming to the end of your current Scottish Widows Bank mortgage deal?


We have a range of exclusive mortgage offers for existing customers only (subject to lending criteria).

Add offset to your mortgage and save money

If you’d like to add offset to your current Scottish Widows Bank mortgage, we’re delighted to tell you that you can now do this free of charge. You can add offset to any type of mortgage deal (including our standard variable rate), except for 5 year fixed rate mortgages.

With offset, a savings account (Offset Saver Account) is set up alongside your mortgage.The money in your savings account is ‘offset’ against your mortgage. This means that you won’t earn any interest on your savings, but you won’t be charged any interest on the same amount of your mortgage. You could potentially save you thousands of pounds in interest and you can benefit by either paying off your mortgage early (we call this reduced term), or reducing your monthly mortgage payment. Try our offset calculator to see how much you could save.

How to apply

Our Guide to Offsetting gives you more information about offsetting. It’s easy to apply too - just download the offset application form and post it back to us.

Interested in Internet Banking?

Our Internet Banking service allows you to view your mortgage details online. You’ll be able to see your outstanding mortgage balance and, depending on the type of mortgage you have, you could also set up regular overpayments to let you pay off your mortgage earlier. And, if you have a mortgage with offset, you’ll be able to manage all aspects of your Offset Saver Account online.

If you’re not already registered for Internet Banking, find out how to register here.