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Halifax mortgages

Our broker partner, Mojo mortgages can help you to compare Halifax mortgages and make a successful application - as well as making sure you don't miss out on a better offer from elsewhere...

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Here’s how to compare Halifax mortgages with us

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.

The FCA does not regulate mortgages on commercial or investment buy-to-let properties.

Last updated
July 17th, 2024

Halifax emerged from the West Yorkshire town of the same name, starting life as a building society in 1853. Over the past 150 years it went on to become a leading British bank and one of the UK’s biggest mortgage lenders. Operating as a trading division of Bank of Scotland, it is now part of the Lloyds Banking Group.

What type of mortgages do Halifax offer?

Interest rate types

Specific products

Although all products won’t be available in all circumstances, Halifax is also able to offer:

Good to know

  • There’s no minimum term for a Halifax mortgage, and they offer a maximum term length of 40 years

  • There is no minimum loan size, but have a minimum property value of £40,000

  • It’s possible to choose capital repayment or interest-only repayments

  • They do not have a minimum income requirement

  • For joint mortgage applications they will accept up to four applicants per mortgage, however, they will only consider the income of two of them

  • Halifax mortgages are portable, subject to criteria

  • Minimum age on application is 18

  • Maximum age at end of mortgage term 80 years (70 for interest-only)

Halifax mortgage rates

To get the best Halifax mortgage interest rates you'll need a large deposit and strong credit history, although this is true of any lender.

Certain mortgage products are only available through Halifax intermediaries, so these rates won't necessarily be visible on their website or in store. That's why using a broker is not only helpful, but essential in some cases.

LTVHalifax 2 year fixed rate mortgagesHalifax 5 year fixed rate mortgages
90%

Halifax

Initial rate: 5.35% | APRC: 8.4%

Repayment mortgage of £270,000.00 over 25 years, representative APRC 8.4%. Repayments: 26 months of £1,632.26 at 5.35% (fixed), then 274 months of £2,177.01 at 8.74% (variable). Total amount payable £638,939.50. Early repayment charges apply until 30-Sep-2026. Arrangement, mortgage discharge, valuation and CHAPS fees total £1099. Legal fees £161.27.

Halifax

Initial rate: 5% | APRC: 7.4%

Repayment mortgage of £270,000.00 over 25 years, representative APRC 7.4%. Repayments: 62 months of £1,576.80 at 5% (fixed), then 238 months of £2,106.93 at 8.74% (variable). Total amount payable £599,210.94. Early repayment charges apply until 30-Sep-2029. Arrangement, mortgage discharge, valuation and CHAPS fees total £1099. Legal fees £161.27.

80%

Halifax

Initial rate: 4.95% | APRC: 8.3%

Repayment mortgage of £240,000.00 over 25 years, representative APRC 8.3%. Repayments: 26 months of £1,394.63 at 4.95% (fixed), then 274 months of £1,929.98 at 8.74% (variable). Total amount payable £565,074.90. Early repayment charges apply until 30-Sep-2026. Arrangement, mortgage discharge, valuation and CHAPS fees total £1099. Legal fees £161.27.

Halifax

Initial rate: 4.54% | APRC: 7.2%

Repayment mortgage of £240,000.00 over 25 years, representative APRC 7.2%. Repayments: 62 months of £1,338.14 at 4.54% (fixed), then 238 months of £1,858.21 at 8.74% (variable). Total amount payable £525,218.66. Early repayment charges apply until 30-Sep-2029. Arrangement, mortgage discharge, valuation and CHAPS fees total £1099. Legal fees £161.27.

70%

Halifax

Initial rate: 4.79% | APRC: 8.3%

Repayment mortgage of £210,000.00 over 25 years, representative APRC 8.3%. Repayments: 26 months of £1,200.88 at 4.79% (fixed), then 274 months of £1,686.88 at 8.74% (variable). Total amount payable £493,428.00. Early repayment charges apply until 30-Sep-2026. Arrangement, mortgage discharge, valuation and CHAPS fees total £1099. Legal fees £161.27.

Halifax

Initial rate: 4.43% | APRC: 7.1%

Repayment mortgage of £210,000.00 over 25 years, representative APRC 7.1%. Repayments: 62 months of £1,157.79 at 4.43% (fixed), then 238 months of £1,622.80 at 8.74% (variable). Total amount payable £458,009.38. Early repayment charges apply until 30-Sep-2029. Arrangement, mortgage discharge, valuation and CHAPS fees total £1099. Legal fees £161.27.

60%

Halifax

Initial rate: 4.61% | APRC: 8.2%

Repayment mortgage of £180,000.00 over 25 years, representative APRC 8.2%. Repayments: 26 months of £1,010.77 at 4.61% (fixed), then 274 months of £1,444.09 at 8.74% (variable). Total amount payable £421,960.68. Early repayment charges apply until 30-Sep-2026. Arrangement, mortgage discharge, valuation and CHAPS fees total £1099. Legal fees £161.27.

Halifax

Initial rate: 4.18% | APRC: 7%

Repayment mortgage of £180,000.00 over 25 years, representative APRC 7%. Repayments: 62 months of £967.16 at 4.18% (fixed), then 238 months of £1,384.78 at 8.74% (variable). Total amount payable £389,541.56. Early repayment charges apply until 30-Sep-2029. Arrangement, mortgage discharge, valuation and CHAPS fees total £1099. Legal fees £161.27.

Date Updated 17 July 2024

The above fixed rates are provided by Mojo Mortgages and updated every 12 hours. THEY MAY NOT BE AVAILABLE WHEN YOU'RE READY TO SUBMIT AN APPLICATION.

How to compare Halifax mortgage deals

Whether you’re an existing customer or are considering a mortgage with them, it’s important to compare all Halifax mortgage deals to see which one best suits your needs.

It's equally as important to compare mortgages in Halifax's range with those available from other lenders. Even if you bank with Halifax or already hold a mortgage with them, it won't guarantee you their best rate, or even that they'll approve your application.

There are so many mortgage lenders in the UK, each with criteria specific to each of their products - Halifax alone have over 400 products.

The most efficient way to compare Halifax mortgages with other deals on the market is therefore by using an experienced mortgage broker - like our award winning online mortgage broker partners at Mojo mortgages.  

Halifax mortgage reviews

Another good gauge of whether to choose a lender or not is to look at their reputation. Checking out feedback from their existing mortgage customers on sites like Trustpilot or Which can give you a good feel for their performance. 

They currently have a Which review score of 68%.

How do I apply for a mortgage with Halifax?

You can apply online for most of Halifax’s mortgages or by calling 0345 850 3705, but some can only be accessed through an intermediary.

You can also apply through our broker partner Mojo mortgages, who will provide you with tailored advice and help you to make a successful application.

Halifax mortgage FAQS

How long does Halifax mortgage approval take?

Lenders don’t generally like to quote mortgage approval times, as they can vary quite a lot depending on the type of mortgage you take, the property you’re buying and your personal circumstances.

Their website quotes a fairly open timescale of up to three months, although the average length of time is generally around two to eight weeks.

Do Halifax check your credit report after a mortgage offer?

This sort of information is not usually openly available, but Halifax may re-look at your credit report after the offer has been issued.

At the mortgage agreement in principle stage, however, they may be happy to do a soft search (which doesn’t show on your credit file).

Can I overpay on a Halifax mortgage?

Halifax allows mortgage overpayments of up to 10% of your remaining mortgage balance per year without paying an Early Repayment Charge (ERC) as standard.

Will I have to pay an Early Repayment Charge (ERC) to switch to a new deal?

If you're thinking of remortgaging with Halifax, for product transfers, they are usually happy to waive ERCs for the last three months of your existing deal as a thank you for staying with them.

If you switch mortgages to another lender at any time before the deal ends, or attempt to do a product transfer more than three months in advance of the end date, you will have to pay ERCs.

Does Halifax offer self-employed mortgages?

There is not strictly such a thing as a self-employed mortgage, but Halifax can serve self-employed applicants, so long as they meet their criteria. 

Usually, in addition to standard information, self-employed applicants would need to provide:

  • Two years’ evidence of a regular income and account statements

  • SA302 forms or a tax-year overview for the past three years

  • Evidence of profits or dividends if you own a business

  • Evidence of upcoming work or business if you work as a trader or contractor

  • You may also be asked to provide proof of accounts certified by a registered accountant

How long is a Halifax mortgage offer valid?

Halifax mortgage offers are typically valid for 90 -180 days, but a longer duration is often given for new-build properties.

It’s not possible to extend a mortgage offer with Halifax, however, so once the offer expires you’ll need to reapply.

What are common reasons Halifax rejects a mortgage application?

High street mortgage lenders such as Halifax will typically reject an application that doesn’t fully meet their lending criteria. However, Halifax can potentially cater for milder bad credit mortgage customers, such as those with defaults or CCJs. 

It’s difficult to accurately collect reason for rejection data for each lender, but some of the reasons you may not meet their criteria could be:

  • Deposit too small

  • Bad credit is beyond their accepted level

  • Not long enough period of self-employment (usually less than 12 months of accounts in unacceptable)

  • Unable to afford the loan size desired - Halifax caps their lending at a maximum of 5.5 times income for residential mortgages, but this is figure is typically for high income professionals. A more typical income maximum is around 4.5 - 4.75 times your income

  • Property not acceptable - Halifax are more flexible than many lenders with the property types they accept, considering both flats over retail premises and Grade 1 listed properties - which many lenders rule out. However, there are still some types they will not lend on - such as freehold flats and maisonettes

If you’re unable to meet the criteria of a high street lender, such as Halifax, a mortgage broker will be able to help you look at specialist lenders, who are typically more flexible with their criteria.

Can I get a Halifax mortgage with bad credit?

Potentially, but it depends on the level of bad credit. Halifax may consider defaults and CCJs, although they'll want further details before making a decision.

If you have a more serious debt issue, such as having a current DMP or IVA in place, Halifax won’t be able to help you. You’ll likely need to look at specialist lenders.

About the author

Kellie Steed
Kellie has a wealth of content writing experience, however, in 2020 took a vested interest in the mortgage industry, and chose to specialise in this area exclusively. Her personal goal is to author the most comprehensive and helpful online guide available for each mortgage type, as well as every customer need, no matter how niche.

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YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.

The FCA does not regulate mortgages on commercial or investment buy-to-let properties.

Uswitch makes introductions to Mojo Mortgages to provide mortgage solutions. Uswitch and Mojo Mortgages are part of the same group of companies. Uswitch Limited is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 312850. You can check this on the Financial Services Register by visiting the FCA website. Uswitch Limited is registered in England and Wales (Company No 03612689) The Cooperage, 5 Copper Row, London SE1 2LH. Mojo Mortgages is a trading style of Life's Great Limited which is registered in England and Wales (06246376). Mojo are authorised and regulated by the Financial Conduct Authority and are on the Financial Services Register (478215) Mojo’s registered office is The Cooperage, 5 Copper Row, London, SE1 2LH. To contact Mojo by phone, please call 0333 123 0012.