Scottish Widows Mortgage
Introduction to Scottish Widows Mortgages
Scottish Widows Bank welcomed its first customers when it opened for business on the 1st May 1995. With only 18 staff in the beginning, they were the small banking arm of Scottish Widows - a long-established and substantial life, pensions and investment company.
Despite being set-up 180 years later, Scottish Widows are proud to offer the innovation and flexibility of a modern, efficient company along with the financial strength and heritage of a trusted and recognised financial services brand.
Over the past 12 years, the business has expanded considerably, reflected not only by the size of our operation (they now employ approximately 400 staff at its head office in Edinburgh) but by the growth in their product range.
Scottish Widows initially launched into the banking market with savings products. They now have a range of short term savings products including Instant Transfer and Treasury Tracker Accounts.
Two years after the first set-up it made a decision to capitalise on growing reputation by moving into the mortgage market. The decision proved to be a good one when they were one of the first lenders to launch a flexible mortgage. Their success continued the following year when they identified a gap in the market and launched a mortgage specifically for professionals such as solicitors and accountants offering borrowing up to 110%.
Since then, they have continued to develop award-winning mortgage products targeting specific groups of customers. Today, the range has grown to include Graduate, Buy-to-Let and Lifetime Mortgages, a Euro or Sterling International Mortgage available to people buying a holiday home in Spain, and an offsetting facility which can reduce the cost and term of the mortgage.
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IVA's
The IVA Guide
Money Advice Direct has put together an IVA Guide based on the enquiries and questions that we receive at our helpline offices.
In the guide we cover such subjects as IVA Approval, early settlment of your IVA, missed IVA payments, IVA failure, additional debt claims and much more.
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What is an IVA?
The IVA is an extremely powerful tool enabling you to clear your debt and return to a clean financial bill of health. Visit Money Advice Direct's Guide to Individual Voluntary Arrangements (IVAs).
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DANGER
Due to the tremendous demand for debt consolidation services the United Kingdom is now overloaded with debt management companies that contain misleading information. [more...]