Welcome to Mortgage Lender

There are over 100 mortgage lenders in the UK including Halifax. Mortgage Lender .co.uk will help you make the right choice.

Speak to a professional adviser about a Halifax Mortgage

To speak to one of our professional advisers, please click here

Mortgage Lender



Halifax Mortgages

3 reasons to consider a Halifax mortgage:

  • Halifax is currently offering low fixed rates for a high street lender
  • Free legal and valuation fees if you remortgage to Halifax
  • They're a mainstream lender with a huge product range, which should mean there's a Halifax mortgage for everyone

Before you jump in with Halifax for your mortgage, it's worth checking out some of the deals from non-High Street lenders too as some of them might beat Halifax for value – which could mean hundreds of pounds a year in savings. 

Free call back with a Halifax mortgage quote »

Halifax Mortgage Rates

A snapshot of some of Halifax's most interesting mortgage deals:

Mortgage Type Initial Rate Subsequent Rate APR Max LTV Fees & Charges Enquire Now
2-year Variable Rate 2.44% Variable 3.99% Variable 4.4% 60% £1,244 Product Fees Enquire Now
2-year Fixed Rate 2.89% Fixed 3.99% Variable 4.1% 60% £1,740 Product Fees Enquire Now
3-year Fixed Rate Remortgage 4.19% Fixed 3.99% Variable 4.3% 75% £245 Enquire Now

It does not show every Halifax mortgage as there are over 100 variations in their range alone. Why not find out which Halifax mortgage rate you qualify for?

Halifax mortgage fees

One of the drawbacks of Halifax mortgages might be their fees. At the time of writing, they're one of the lenders that hasn't done a lot to reduce its fees after the credit crunch:

  • Arrangement fees are between £995 and £1,495, although some mortgages in their range do not have an arrangement fee.
  • Completion fees: every mortgage also has a completion fee of £245.

Altogether this could see you paying as much as £1,740 to start your Halifax mortgage, and of course you will need to cover their valuation fees too (unless you're remortgaging with free valuation).

Fees make it difficult to work out which lender has the best mortgage for you. If you need a faster comparison of how much different mortgages will cost you over 5 years, the quickest way is to get a free call back from an independent mortgage adviser.

Halifax mortgage and remortgage range

Halifax mortgages can be arranged for first time buyers, buy to let investors, home movers and those who would like to remortgage to Halifax. They can be arranged directly or through mortgage advisers.

Current account mortgage customers: There are often special mortgage deals and offers available if you have a current bank account with Halifax.

First time buyer mortgages: You can choose from a 2, 3 or 5 year fixed rate mortgage or a 2 year tracker mortgage. Fixed rate means that you will know exactly how much you will have to pay each month for the agreed time period; your rate will then switch to the society's Standard Variable rate. If you choose a tracker product, your interest rate will 'track' the Bank of England Base rate at an agreed extra percentage and your monthly payments may therefore rise or fall over the agreed time period. Both these kinds of products have an early repayment charge if you pay off all or part of your mortgage capital during the fixed or special rate period.

Moving Home mortgages: If you have more than 40% deposit available from the equity in your current property then you may be eligible for a lower interest rate. Check with your mortgage advisor to find the best deal for you.

Halifax Buy to Let mortgages: Invest in your first property or transfer other buy to let mortgages to Halifax from another lender. You may be able to borrow up to 75% of the property value and this can be between £25,005 and £1,000,000.

If you are interested in a mortgage quotation, for mortgages from the Halifax as well as other competitive deals, get a free call back today.

Halifax mortgage history

Now a bank, the Halifax emerged from a mutual society that goes back to 1852. It was originally set up as a way for working families to save and borrow money to buy their own homes. The first mortgage was granted in March 1853 and the society grew larger every year. By 1927 it had become the largest building society in the world with assets over £27 million.

The Halifax has merged with or acquired various other building societies throughout the past 75 years and is now part of the HBOS plc group, the fifth largest banking group in the UK. It continues to have its retail headquarters in Trinity Road, Halifax.

Speak to a professional about a Halifax Mortgage

Whatever your individual mortgage needs, there's a lot of time and money to be saved by speaking to an independent mortgage adviser. They can point you in the direction of the best Halifax mortgage deal and show you the true costs. They can also spare you a lot of reading the small print.

Fill out the form here to have an adviser give you a free call back.


Speak to a professional about a Halifax Mortgage