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Halifax

Halifax has lots of special deals for first time buyers, home movers and customers wishing to remortgage, including low deposit Halifax mortgages and cashback offers.

Compare mortgages

Reason for mortgage
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£
years
How would you like to repay?
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Fixed until 31/12/2018
Initial rate
1.34%then 3.99% (variable)
Fees
£1,885fees
Overall cost
3.6%APRC
Monthly cost
£627.94 for 24 months then £826.20 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £244,988 includes: Loan amount (£160,000); Interest (£83,102); Application fee (£999); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.39%then 3.99% (variable)
Fees
£1,885fees
Overall cost
3.6%APRC
Monthly cost
£631.66 for 24 months then £826.57 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £245,178 includes: Loan amount (£160,000); Interest (£83,293); Application fee (£999); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.44%then 3.99% (variable)
Fees
£1,590fees
Overall cost
3.6%APRC
Monthly cost
£635.40 for 24 months then £826.94 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £245,074 includes: Loan amount (£160,000); Interest (£83,484); Application fee (£999); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.79%then 3.99% (variable)
Fees
£886fees
Overall cost
3.7%APRC
Monthly cost
£661.93 for 24 months then £829.46 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £245,703 includes: Loan amount (£160,000); Interest (£84,817); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.79%then 3.99% (variable)
Fees
£1,590fees
Overall cost
3.7%APRC
Monthly cost
£661.93 for 24 months then £829.46 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £246,407 includes: Loan amount (£160,000); Interest (£84,817); Application fee (£999); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.84%then 3.99% (variable)
Fees
£591fees
Overall cost
3.7%APRC
Monthly cost
£665.77 for 24 months then £829.81 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £245,598 includes: Loan amount (£160,000); Interest (£85,007); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.86%then 3.99% (variable)
Fees
£591fees
Overall cost
3.7%APRC
Monthly cost
£667.31 for 24 months then £829.95 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £245,674 includes: Loan amount (£160,000); Interest (£85,083); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
1.94%then 3.99% (variable)
Fees
£1,885fees
Overall cost
3.7%APRC
Monthly cost
£673.50 for 24 months then £830.52 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £247,272 includes: Loan amount (£160,000); Interest (£85,387); Application fee (£999); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
1.99%then 3.99% (variable)
Fees
£1,429fees
Overall cost
3.7%APRC
Monthly cost
£677.39 for 24 months then £830.87 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £247,006 includes: Loan amount (£160,000); Interest (£85,577); Application fee (£999); Valuation fee (£430); Funds transfer fee (£0); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 31/12/2018
Initial rate
2.04%then 3.99% (variable)
Fees
£1,885fees
Overall cost
3.7%APRC
Monthly cost
£681.29 for 24 months then £831.22 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £247,652 includes: Loan amount (£160,000); Interest (£85,767); Application fee (£999); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2021
Initial rate
2.09%then 3.99% (variable)
Fees
£1,590fees
Overall cost
3.3%APRC
Monthly cost
£685.20 for 60 months then £813.19 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £237,869 includes: Loan amount (£160,000); Interest (£76,279); Application fee (£999); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
2.09%then 3.99% (variable)
Fees
£1,381fees
Overall cost
3.7%APRC
Monthly cost
£685.20 for 24 months then £831.56 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £247,338 includes: Loan amount (£160,000); Interest (£85,956); Application fee (£495); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
2.09%then 3.99% (variable)
Fees
£1,381fees
Overall cost
3.7%APRC
Monthly cost
£685.20 for 24 months then £831.56 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £247,338 includes: Loan amount (£160,000); Interest (£85,956); Application fee (£495); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2021
Initial rate
2.14%then 3.99% (variable)
Fees
£1,885fees
Overall cost
3.3%APRC
Monthly cost
£689.13 for 60 months then £814.05 (variable)
for 240 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £238,605 includes: Loan amount (£160,000); Interest (£76,719); Application fee (£999); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
2.14%then 3.99% (variable)
Fees
£1,885fees
Overall cost
3.7%APRC
Monthly cost
£689.13 for 24 months then £831.91 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £248,031 includes: Loan amount (£160,000); Interest (£86,146); Application fee (£999); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
2.14%then 3.99% (variable)
Fees
£1,885fees
Overall cost
3.7%APRC
Monthly cost
£689.13 for 24 months then £831.91 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £248,031 includes: Loan amount (£160,000); Interest (£86,146); Application fee (£999); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
2.19%then 3.99% (variable)
Fees
£430fees
Overall cost
3.8%APRC
Monthly cost
£693.06 for 24 months then £832.25 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £246,765 includes: Loan amount (£160,000); Interest (£86,335); Valuation fee (£430); Funds transfer fee (£0); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
2.19%then 3.99% (variable)
Fees
£430fees
Overall cost
3.8%APRC
Monthly cost
£693.06 for 24 months then £832.25 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £246,765 includes: Loan amount (£160,000); Interest (£86,335); Valuation fee (£430); Funds transfer fee (£0); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/12/2018
Initial rate
2.19%then 3.99% (variable)
Fees
£591fees
Overall cost
3.8%APRC
Monthly cost
£693.06 for 24 months then £832.25 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 80% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £246,927 includes: Loan amount (£160,000); Interest (£86,335); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 30/11/2018
Initial rate
2.24%then 3.99% (variable)
Fees
£1,381fees
Overall cost
3.8%APRC
Monthly cost
£697.02 for 24 months then £832.60 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 80 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £247,906 includes: Loan amount (£160,000); Interest (£86,525); Application fee (£495); Valuation fee (£430); Legal fee (£161); Funds transfer fee (£0); Mortgage discharge fee (£295); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Halifax

Halifax is one of the best-known names on the UK high street, but today’s mammoth banking institution bears little resemblance to the small building society that was formed back in 1853.

The original The Halifax Permanent Benefit Building and Investment Society came into being to help local people save money and buy homes. The society grew organically and by 1913 it was the largest in the UK. In 1928, the society merged with the Halifax Equitable Building Society and changed its name to the Halifax Building Society. In 1995, the Halifax merged with the Leeds Permanent Building Society and two years later, it demutualised and floated on the Stock Exchange, becoming Halifax PLC. Today the Halifax is a brand rather than a legal entity, and is a division of HBOS and part of the Lloyds Banking Group.

Halifax customers have access to a wide range of financial services, both in branch and online or via the bank’s telephone call centre. Halifax provides bank accounts, savings vehicles, credit cards, loans, mortgages, insurance, foreign currency, investments and share dealing.

There are plenty of Halifax mortgages to choose from. Halifax offers mortgages for first time buyers, homeowners looking to move to a new property or remortgage on a better deal, and buy to let landlords. There are also mortgages for customers who want to secure additional funding. New and existing clients are welcome.

Buy to let Halifax mortgages are not available to first time buyers.

Customers can find out more about Halifax mortgages by speaking to a Halifax mortgage advisor over the telephone or making an appointment at one of the many nationwide Halifax branches. There is also an online mortgage calculator to help customers work out what they can borrow.

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