The Consortium Members
With a long tradition of working in Yorkshire, HBOS was formed from the merger of the Halifax and Bank of Scotland and is one of the UK's most established providers of financial services.
We have been judged as one of the best known and highly regarded of all retail financial services brands in the UK. Our personal financial services products are used by 20 million customers. More people have mortgages and savings accounts with the Halifax than with any other organisation.
Both Halifax and Bank of Scotland are leading providers of finance for the UK private finance initiatives/public private partnerships. The team was recently declared the number 1 funder of PPP's in 2001 - we have completed the funding of over 80 projects. We are also a leading funder of the social housing sector, providing over £3 billion to Housing Associations
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