Scottish Widows Bank

PO Box 12757, 67 Morrison Street, Edinburgh EH3 8YJ

May 2005 marks the 10-year anniversary of Scottish Widows Bank. Set up in 1995, we are a relatively young organisation, but one with strong business and ethical policies and a successful track record. Our main business is arranging, entering into and administering mortgages and accepting deposits.

We believe that continuing high standards of service have kept us ahead of the competition. New institutions continue to join the banking market, with varying attitudes towards growth and profitability, while we have never strayed too far from our founding strategy of building a sustainable, long-term business through profitable growth.

Operationally, we are telephone and postal based, with no branch network to support which means our overheads are significantly lower than traditional banks and building societies. As a result we can pass these benefits on to our customers and offer consistently competitive rates on our both of mortgage and deposit account products. The latter of which regularly feature in the financial media 'best buy' tables.

Scottish Widows Bank is proud to continue the Scottish Widows tradition of providing quality products and services. We don’t intend to be the cheapest in the market but focus on offering quality products that represent excellent value for money for those who place importance on long term benefits and cost savings.

Over the past ten years we have established a reputation, not just as a deposit account provider, but as a specialist mortgage lender, attracting 75% of this type of business from the intermediary market.

This commitment to product innovation has ensured that we have remained a strong niche market player and a popular choice for the non-mass market borrower.  As consumer needs have changed, we have evolved our products and extended our product portfolio to provide a range of simple, flexible, adaptable and quality solutions for intermediaries and their clients.

At a glance our range of products include:


  • Flexible Mortgage
  • Professional Mortgage
  • Graduate Mortgage
  • Lifetime Mortgage
  • Buy to let Mortgage
  • Offset facility available with the Flexible and Professional Mortgages.


  • Instant Transfer Account
  • 60 Day Notice Account
  • Mini Cash ISA
  • Treasury Tracker Account

You can read more about our products and services at Alternatively, feel free to call our friendly and well trained staff on 0845 845 0829 who will be happy to help. Our opening hours are 8am-9pm Monday to Friday.

We hope you agree that it's a pleasure doing business with us. For your protection, telephone calls may be monitored or recorded.

  • Scottish Widows Bank acts as an introducer only to the Scottish Widows and Lloyds TSB Marketing Group, members of which are authorised and regulated by the Financial Services Authority.
  • Scottish Widows Bank plc, Company Number 154554 Registered in Scotland having its own Registered Office at: PO Box 12757, 67 Morrison Street, Edinburgh, EH3 8YJ. Authorised and regulated by the Financial Services Authority and a signatory to the Banking Code. Our FSA Registered number is 201601.