Intelligent Finance: Mortgages, Remortgages and Loans
Intelligent Finance was launched in September 2000 as a new concept in personal finance. Designed to save customers money, the Intelligent Finance plan works by linking (or "offsetting") the money 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 is now one of the UK's largest direct banks.
Intelligent Finance's offset mortgages allow you to link your mortgage repayments with your savings and current account, with interest calculated on a daily basis. There are no limits to the amount you can offset, and you can make overpayments whenever you wish.
Use our simple loan form or mortgage form to talk with a financial adviser to see if Intelligent Finance loans or mortgages could be right for you.
Intelligent Finance offers a range of banking services available over the phone or online. Products include mortgages, personal loans, credit cards and insurance.
Intelligent Finance is a division of Bank of Scotland plc, which merged in September 2001 with the Halifax plc to form a new banking group called HBOS. Lloyds TSB Group plc and HBOS plc are now Lloyds Banking Group plc. Lloyds TSB Group plc was renamed Lloyds Banking Group plc on 19 January 2009, following the acquisition of HBOS plc. This makes Lloyds the largest retail bank in the UK with a number of leading market positions. Serving over 30 million people, one in three people bank with Lloyds.
