Your chance to be mortgage-free.

Imagine the moment you find out your mortgage has been paid off for you. With our prize draw, you could be the one experiencing that incredible, life-changing moment.

Every month we’ll pay off someone’s mortgage up to the value of £300,000. There are also 100 monthly prizes of £1,000 cash. Not having a mortgage to pay each month could transform your life. Giving you the chance to spend more of your money on what you really want. Happy days.

See important prize draw information below.

You’ll need to be registered for Online Banking before you can enter the prize draw. Once you’re registered and signed in, the prize draw link can be found in My Mortgage Options which sits on the left of the screen when using a computer or laptop. If using your mobile you’ll find the link in the ‘Our Products and Services’ section under ‘Mortgages’ (prize draw registration isn’t currently available through our Mobile Banking App).

Alternatively, visit your local branch and speak to one of our team who’ll be happy to help.

Our first draw will take place in May 2020.

Sign in to Online Banking

Register for Online Banking

 One mortgage will be paid off up to £300,000 and 100 lucky customers will win a £1,000 cash prize.

To qualify for the monthly prize draw, you must at the time of the draw:

  1. Have registered to take part
  2. Have a Halifax mortgage on your home in England, Wales or Scotland
  3. Hold an existing Halifax or Bank of Scotland personal retail current account and have paid at least £1,500 into it the month before the draw
  4. If you hold more than one eligible mortgage account we will pay off the one with the highest balance, up to £300,000.

You will not qualify for the draw if:

  1. your property is or will be let to tenants or
  2. your mortgage is part of our Deedstore Scheme or
  3. there are arrears on your mortgage account. For the purpose of these rules, arrears means when a total sum of £1 or more of the monthly payment(s) due remain unpaid at the time of the draw.

For more information please read the mortgage prize draw rules.

Good luck!

The Halifax Mortgage Prize Draw Rules

The draw, and how to join in

The Halifax Mortgage Prize Draw is a series of monthly free prize draws.

You can take part in one or more of these monthly draws if you:

  • have a Halifax mortgage over your own home in England, Wales or Scotland;
  • have a Halifax or Bank of Scotland branded personal retail current account that’s been open throughout the calendar month before the draw, with £1,500 or more paid in during that month;
  • live in England, Wales or Scotland and
  • have registered for the Halifax Mortgage Prize Draw, and agreed to these rules.

You can register online at Halifax.co.uk or in one of our branches. By registering you agree to these rules. You’re responsible for making sure your details are correct.

Entering the draw will not affect the terms of your mortgage or personal retail current account, including interest rates and charges.

The prizes for each monthly draw are:

  • one prize to pay off the winner’s Halifax mortgage (up to £300,000); and
  • one hundred prizes of £1,000.

Bear in mind

You will not qualify for the draw if:

  • your property is or will be let to tenants; or
  • your mortgage is part of our Deedstore Scheme; or
  • there are arrears on your mortgage account. For the purpose of these rules, arrears means when a total sum of £1 or more of the monthly payment(s) due remain unpaid at the time of the draw.

Your mortgage can be in more than one name and everyone named on the mortgage should register for the draw separately if they want to take part. Each customer who registers will be entered into the draw as long as they qualify.

Your current account

  • must be held in your name and can be a joint account you have with someone else; and
  • must be a personal account, not an account you have for business purposes or where you are signatory for an organisation.

We won’t include you in a draw if you have closed your Halifax mortgage, or you don’t have a Halifax or Bank of Scotland personal retail current account that’s been open throughout the calendar month before the draw with £1,500 or more paid in during that month.

If you close your mortgage or current account, and later take out another qualifying Halifax mortgage or open a qualifying Halifax or Bank of Scotland current account, we will treat you as still registered to take part in the Halifax Mortgage Prize Draw under the draw rules applying at the time (unless you have opted out under these rules). You will need to meet all qualifying criteria which apply at the time, including paying at least £1,500 into your qualifying current account to be entered in to each monthly draw. The draw rules are always available on the Halifax website.

For our top prize of paying off your Halifax mortgage (up to £300,000) the following will apply:

  • it will be paid directly to the qualifying mortgage account held by the customer who has registered for the draw, there is no cash alternative; and
  • any early repayment charges which would normally apply will not be charged; and
  • where a customer holds more than one eligible mortgage account we will pay off one account, the one with the highest balance (up to £300,000).

Our other prizes will normally be paid in to the eligible Halifax or Bank of Scotland personal retail current account held by the winner.

If you have a joint mortgage and you win one of the £1,000 prizes, you should consider whether your relationship with your fellow mortgage customers means you should split your winnings with them. Bear in mind that your prize will be paid to the Halifax or Bank of Scotland personal retail current account held by the winner which may not be an account solely in your name.

We may temporarily increase the number or size of prizes for one-off special draws. If we do this we don’t have to notify you or change these rules, but we’ll advertise the prizes on our website and in branch.

The draw, and how it works

We carry out the draw every month, during the first five working days.

We pick winners at random from the qualifying entries for that month. Everyone who qualifies to take part has an equal chance of winning.

Each draw will be monitored by our independent adjudicator, KPMG LLP.

Within 30 days of the draw we will write to the potential winners. Please tell us if you change your postal or email address. If you’ve won, we’ll tell you how to claim your prize, what information we need from you before we can pay and how your prize will be paid.

If you’re a winner we can ask you to take part in publicity. You don’t have to agree. You also don’t have to accept your prize.

Other important information

In these rules:

  • where we say ‘month’ we mean calendar month; and
  • a Bank of Scotland branded personal retail current account is a personal current account sold through our retail business under the Bank of Scotland brand, and does not include any of the other brand names used by Bank of Scotland such as Intelligent Finance (IF), Bank of Scotland Private Banking or St James’ Place Bank.

The Halifax Mortgage Prize Draw will run indefinitely until we end it under these rules.

The Halifax Mortgage Prize Draw is not currently available in Northern Ireland. If in future we’re satisfied that the law in Northern Ireland has changed appropriately, we may allow customers living there to take part. We can do this without notifying you personally, although we will let you know on our website and in branch.

You are not eligible for the draw if you or any other person named on the mortgage are an employee of any company in the Lloyds Banking Group. If you become an employee of Lloyds Banking Group after you have registered for the draw, you will not be eligible for any of the following monthly draws, but you can enter again if you later stop being employed within the Group. You are also not eligible if you are someone who is engaged as a supplier, or employed by a supplier, and you are directly involved in or help with the draw.

If we can’t carry out a draw on the scheduled date and time, and it isn’t cancelled under these rules, it will take place as soon as reasonably possible afterwards.

We won’t be responsible to any qualifying customer if a draw cannot go ahead, or is delayed or cancelled, because of a legal or regulatory issue, a systems failure and the failure by any third party or any cause beyond our reasonable control.

We try our best to make sure our records are correct, and that only qualifying customers enter each draw. However it’s possible that in a small number of cases, a non-qualifying customer could be entered or a qualifying customer enter more than once. If a qualifying customer is entered more than once we won’t be responsible to other entrants. But we’ll take reasonable steps to stop a customer from winning more than one prize in that draw. If a qualifying customer is left out of our records for any draw, we will not be responsible to them for any potential win they could have had. We’re also not responsible if we inadvertently pay a prize to someone who doesn’t qualify, but we’ll take reasonable steps to make sure this doesn’t happen and where we discover such an error will pay the prize to the next eligible person we randomly select.

In all matters relating to the Halifax Mortgage Prize Draw our decision is final, and we don’t have to respond to questions.

Before paying any prize, we can require any potential winner to provide reasonable proof of their identity, and that they were living in England, Wales or Scotland at the end of the month before the draw took place. For this purpose we reserve the right to make enquiries about where you live and it is our policy to disregard short term absences of up to three months from England, Wales or Scotland.

We can require winners or their representatives to attend at one of our branches to verify their details.

If we pay a prize to anyone who falsely claims to have won, that person must pay back the prize money to us, as well as our extra costs, losses, damages and expenses.

During the six months following any draw, you can request a list of winners’ names and counties from any of our branches.

A potential winner will no longer be entitled to a prize if:

  • we’ve had no response to our letter, email or other communication to tell the potential winner about their prize for at least six months from sending the letter; or
  • we’ve not been able to send a letter because post has been returned from the address, we have not been able to make contact in other ways and more than six months has passed since the relevant draw; or
  • if having contacted a potential winner, we find out that they do not qualify, or they haven’t supplied the information we have asked for or attended one of our branches as requested.

If this happens we will give the unclaimed prize to a charity or charities supported by Lloyds Banking Group.

If a potential winner who was a qualifying customer at the point we tried to contact them tries to claim a prize after the six month period and there is a reasonable excuse for the delay, we may decide to award the prize but do not have to do so.

If you don’t want to take part in any future monthly draws, please tell us in writing at FREEPOST, Halifax Mortgages Prize Draw.

Changes

We can cancel any of the monthly draws, or stop running the Halifax Mortgage Prize Draw, without telling you beforehand where we can’t continue because of:

  • a legal or regulatory issue,
  • a systems failure;
  • the failure of any third party to carry out their services; or
  • for any other reason beyond our reasonable control.

If this happens we will let you know by putting a notice on our website.

We can also stop running the Halifax Mortgage Prize Draw for any reason, or change any of these rules (for example to reduce the number or size of prizes) by giving you notice.

If we stop running the Halifax Mortgage Prize Draw, or change these rules, we’ll give you notice on our website and in branch. If the change could affect you adversely, we’ll do this at least two months in advance. If the change is beneficial or neutral, we will let you know within a month of the change happening. Where the change could affect you adversely and we have a current address for you, we will also write to you at least two months in advance. We can do this by post, email or other forms of written communication. You can opt out of future draws if you do not want to take part after the change.

Promoter

Bank of Scotland plc is the promoter of the Halifax Mortgages Prize Draw. Its registered office is at The Mound, Edinburgh EH1 1YZ. Halifax is a division of Bank of Scotland plc.

This information is not part of the rules.

We may share your name, address and details of your accounts with the adjudicator – this is to verify that the draw has been carried out in line with these rules. You can access more information about how we share your information in our full privacy notice at

https://www.halifax.co.uk/securityandprivacy/privacy-explained/data-privacy-notice/ or ask us for a copy.

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.

The information is correct as of January 2020 and is relevant to Halifax and Bank of Scotland products and services only. Halifax is a division of Bank of Scotland plc.

How does the Prize Draw work?

The Halifax Mortgage Prize Draw is free to enter and signing up is quick and easy. All you need to do is register once on the hub page. We'll add your name to the Prize Draw each month if you meet the qualifying criteria. You will need to have a completed Halifax mortgage over your own home and be up-to-date with your mortgage repayments. You’ll also need to pay at least £1500 into a Halifax or Bank of Scotland personal retail current account in the month before each draw. You should be aged 18 and over and live in England, Wales or Scotland (not Northern Ireland). All prize winners are selected at random, and we'll let you know if your name is chosen.

Is there a closing date?

There isn't a set closing date. The Halifax Mortgage Prize Draw could end at any time, usually with at least 2 months notice.

Is it free to enter?

Yes, registering and taking part will not cost you anything. If you meet the qualifying criteria on your mortgage and personal current accounts you will be entered into the draw.

How do I register for the Mortgage Prize Draw?

You’ll need to be registered for Online Banking before you can enter the prize draw. Once you are registered and signed in, the prize draw link can be found in ‘My Mortgage Options’ which sits on the left of the screen when using a computer or laptop.  If using your mobile you’ll find the link in the ‘Our Products and Services’ section under ‘Mortgages’ (prize draw registration isn’t currently available through our Mobile Banking App).

Do all accounts qualify?

You must have an existing Halifax mortgage on your own home and will not qualify for the draw if there are arrears on your mortgage account or your property is or will be let to tenants. You must also have a Halifax or Bank of Scotland personal retail current account and pay in at least £1500 in the month before each draw. Please see the Halifax Mortgage Prize Draw rules for more details.

What about joint accounts?

If your mortgage is in joint names, all persons named on the mortgage should register for the draw. Each registered customer will be entered into the draw as long as they meet the qualifying criteria.

Do I need to register for every Prize Draw?

No, you only need to register once. We'll add your name to the Prize Draw every month, when you meet all the qualifying rules.

What are my odds of winning?

They change each month, depending on how many entries we receive, but we give away 101 prizes in the Mortgage Prize Draw in a normal month.

Can I win more than once?

Yes you could, but not in the same draw, in the same month. Each entrant has one chance to win each month, but it is possible for your name to be chosen again in later months if you meet the qualifying rules.

How do I find out if I've won?

If you're selected in the draw, we'll write to you within a month using the address we have for you. We could also call or email you if we have these details.

Before we confirm any winners, we can ask to see proof of identity, age, and residency.

How will I receive my prize?

For our top prize of paying off the Halifax mortgage (up to £300,000) it will be paid directly to the mortgage account held by the customer that has registered for the draw, there is no cash alternative. Any early repayment charges which would normally apply will not be charged; and where the mortgage is for over £300,000 and there is more than one part of the mortgage loan, we will reduce each part by the same proportion we apply the monthly mortgage payments.

Where a customer holds two eligible mortgage accounts we will pay off one account, the one with the highest balance (up to £300,000).

Our other prizes will normally be paid in to the eligible Halifax or Bank of Scotland personal retail current account held by the winner.

Why can’t I enter the draw if I live in Northern Ireland or abroad?

We can only offer this prize draw in England, Wales and Scotland. Different laws apply in Northern Ireland and other jurisdictions, so unfortunately we can't offer the prize draw to anyone living there.

In the future if we’re satisfied that the law in Northern Ireland has changed, we may allow customers living there to take part in the draw. When we check if you live abroad, are policy is not to count short term absences with up to 3 months, for example, if you're on holiday.

Can I see a list of winners?

Yes, you can ask for a list of the winners for the last 6 months in any of our branches.

If you applied for a mortgage between 8th April and 30th June 2019, here’s what you need to know about our previous Prize Draw:

  1. You need to have applied for a mortgage between 8th April and 30th June 2019
  2. And registered for the Prize Draw by 30th September 2019
  3. You’ll need to have completed on your mortgage by 30th September 2019
  4. Prize Draw date: 15th October 2019

Full terms and conditions for this prize draw:

THE PREVIOUS  HALIFAX MORTGAGE PRIZE DRAW TERMS AND CONDITIONS.

  1. This is a free prize draw – the Draw. The Draw is open to homebuyers, those re-mortgaging to us from another lender and existing Halifax customers applying to change the named parties on their mortgage who live in England, Wales or Scotland and are taking a new Halifax mortgage on their home in one of these countries and who:
    1. Make a full application directly to us for a Halifax mortgage between 8th April and 30th June 2019; and
    2. Register by 30th September 2019 to take part; and
    3. Complete their Halifax mortgage by 30th September 2019.
    4. For each winning customer, only one qualifying mortgage entered into the draw will be paid off.
    5. The mortgage application must be made directly to us in one of our Halifax or Bank of Scotland branches, online or by telephone. Applications made through an intermediary will not qualify.
    6. A full application is completed when customers have seen, read and accepted the mortgage illustration, provided details on the property being mortgaged and paid any valuation fees where applicable.
    7. Members of the Armed Forces with a BFPO address can enter the Draw.
  2. You are not eligible for the Draw if you or any other person named on the mortgage:
    1. are employees of any company in Lloyds Banking Group; or
    2. become an employee of Lloyds Banking Group after you have registered for the Draw; or
    3. are engaged as a supplier, or employed by a supplier and directly involved in or help with the Draw.
    4. This Draw is not available in Northern Ireland.
    5. Buy to let applications and applications made by existing Halifax customers, to switch products or take additional borrowing, will not qualify for the Draw.
  3. The prizes for the Draw are:
    1. Three prizes to pay off the winners’ Halifax mortgage registered for the Draw, up to a maximum of £300,000. These will be:
    2. Paid directly to the mortgage account registered for the Draw. There is no cash alternative.
    3. If the mortgage is more than £300,000 and there is more than one part to the loan, we will reduce each part by the same proportion that we apply the monthly payments.
    4. Any early repayment charges which would normally be payable will be waived.
    5. 100 prizes of £1,000 paid directly to the direct debit account from which the mortgage registered for the Draw is set up. Where the receiving account is in a sole name, and the mortgage is held in the name of more than one borrower, the receiving borrower will be responsible for distributing the prize between all borrowers.
    6. Within 30 days of the Draw we will write to the potential winners. If you have won a prize we will tell you how to claim it, including what proof we’ll require.
    7. Winners have the right to refuse the prize.
  4. The Draw will take place on 15th October 2019 and be independently verified by a senior manager outside of our mortgage division. Hawk Incentives Ltd is a third party administrator and helps us collect and process certain details of customers who register for the Draw.
  5. To be included in the Draw, you must meet conditions 1 and 2 to be a qualifying customer and be registered for the Draw. You can register:
    1. By entering online at www.halifax.co.uk/mortgage-prize-draw; or
    2. Through one of our branches; or
    3. By calling us to request a postal entry.
    4. Once we receive your correctly completed entry, you’ll be automatically entered into the Draw provided your mortgage has completed by 30th September 2019.
  6. We will try our best to make sure that all qualifying customers are entered into the Draw.
  7. There will be one Draw entry for each eligible mortgage account. This means if you have taken the mortgage account out with other borrowers there will only be one draw entry. By entering the Draw, you confirm that you have obtained the consent of any other persons named on the mortgage to enter the Draw. If multiple entries are received from a customer, then only the last entry received will be entered into the Draw.
  8. All customers entered into the Draw have an equal chance of winning.
  9. You will not be entered into the Draw if you have not completed the new Halifax mortgage which you registered for the Draw by 30th September 2019.
  10. We will not be responsible to any qualifying customer if the Draw cannot go ahead, is delayed or cancelled because of a legal or regulatory issue, a systems failure, the failure by any third party to perform services or for any cause beyond our reasonable control.
  11. In all matters relating to the Draw, our decision is final and we will not respond to further questions or queries. We do not accept any liability for any letters or communications lost, damaged or delayed in transit.
  12. If we discover that you were not entitled to enter the Draw, falsely entered or your mortgage is in any way fraudulent, we can reclaim or recover any payment made, as well as any extra costs, losses, damages and expenses experienced on our part, including any costs or other amounts we suffer in paying out the prize again to a genuine winner.
  13. We may ask the winners to take part in further publicity. High level details of winners (surname, county and amount) will be available on request.
  14. If, at any time, you decide you do not wish to participate in the Draw, please let us know by writing to us at: FREEPOST, Halifax Mortgage Prize Draw. We must receive your letter by 3rd October 2019 in order for you to be excluded from the Draw.
  15. We reserve the right to withdraw or cancel the Draw at any time.
  16. Bank of Scotland plc is the promoter of the Draw. Its registered office is at The Mound, Edinburgh, EH1 1YZ. In these rules, ‘we’, ‘us’ and ‘our’ refer to Bank of Scotland plc trading as “Halifax”.

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.