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Intelligent Finance
 
About us

Who we are
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.

The HBOS group
Halifax and Bank of Scotland are two of the UK's best-known and most well-liked banks.

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

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.

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.

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

Intelligent Finance is subject to the regulations laid down under the Financial Services & Markets Act 2000, which incorporated the Banking Act 1987. They abide by the voluntary Banking Code that sets out standards for dealing fairly with you and giving the information you need to choose and run your accounts.

If you wish to apply for any product from Intelligent Finance you will be passed from our web site to the website of Intelligent Finance, a division of Halifax plc.

Although we are happy to make available access to these banking services from our website, we are not making any recommendation that the products offered will be suitable for your circumstances. You should read carefully the application terms shown on Intelligent Finance website.

The products offered by Intelligent Finance are not subject to Regulation by the Financial Services Authority

If you wish to know more information about Intelligent Finance click here.

Your home may be repossessed if you do not keep up repayments on your mortgage.
 
 
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This Internet site is directed to UK residents only. You are responsible for satisfying yourself that under the laws of your home jurisdiction you may lawfully access this Internet site.

Please ensure you read our User Terms, Client Agreement and Privacy statement.

Cawley Financial Services Limited is authorised and regulated by The Financial Services Authority. Cawley Financial Services Limited is entered on the FSA register (www.fsa.gov.uk/register/) under reference 144101.
The Financial Services Authority do not regulate Will Writing, Loans, Credit Cards, or some forms of Mortgage, Tax Advice, Offshore Investments, Estate Planning.

Registered Office: Cawley Priory, South Pallant, Chichester, West Sussex PO19 1SY Registered in England: 2337674


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