All of the Bank’s lending decisions are made by banking professionals who can take highly complex circumstances into account and who are able to provide swift decisions. A range of borrowing facilities, including loans, mortgages and overdrafts are available. All borrowing is subject to status and is available to persons of 18 or over. Security might be required for borrowing in the form of a charge or standard security over land, or other forms of security over your investments or other assets.