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Intelligent Finance is a division of Halifax plc, which merged in September 2001 with the Bank of Scotland to form a new banking group called HBOS. Since our launch in September 2000, we've provided a range of banking services, and created a radical new approach to personal finance.

Intelligent Finance

The HBOS group
Halifax and Bank of Scotland are two of the UK's bestknown and most wellliked banks.

Intelligent Finance

The Halifax is the UK's no.1 mortgage lender and savings provider, with over 150 years experience; Bank of Scotland has a 300year heritage, occupying a leading position in personal and business banking.

Intelligent Finance

The merger has allowed the two organisations to benefit from each other's areas of expertise, and build on each other's strengths to offer their customers an even better deal.

Intelligent Finance

The HBOS group includes a large number of brands, many of them household names. You can see a list of them here

Intelligent Finance

Intelligent Finance was launched in September 2000 as a completely new concept in personal finance. Designed to save customers money, the Intelligent Finance plan works by linking the money our customers have with the money they borrow, reducing the amount of interest they pay on their borrowings, or increasing the level they earn on their savings.

Intelligent Finance

We've since become one of the country's leading direct banks.


Intelligent Finance




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sub prime lender offering secured and unsecured loans
UK
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