Buying or remortgaging?
Tell us whether you’re looking to buy or remortgage, and whether you’ll use the property to live in or rent out to tenants
What mortgages do Halifax offer?
Halifax offers fixed rate mortgages, tracker mortgages and offset mortgages. You can also use Halifax for first-time-buyer mortgages, remortgaging and buy-to-let mortgages.
Halifax also provides current accounts, savings accounts, ISAs, loans and investments.
Halifax is a division of Bank of Scotland plc. Bank of Scotland is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Why get a mortgage through Halifax?
Halifax is a high-street fixture and one of the UK's most trusted lenders, with over 550 branches and a range of mortgages to suit different buyers.
Alongside standard mortgages, Halifax offers more bespoke products such as Family Boost mortgages. Aimed at borrowers with no deposit, this loan allows family members to put 10% of the property price into a three-year fixed term savings account, as security.
It also offers cashback on mortgages on energy-efficient homes and 100 monthly prizes of £1,000 cash.
What type of mortgages do Halifax offer?
Halifax offers a range of mortgage types for first-time buyers, home movers, remortgagers and buy-to-let borrowers, including:
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Halifax mortgages for first-time buyers
First-time buyers can find a mortgage with Halifax. There will be a maximum loan-to-value the bank is prepared to offer you. Halifax supports the government’s Help to Buy ISA and equity loan schemes, and first-time buyers can take out a mortgage with a minimum of a 5% deposit.
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Halifax mortgages for home movers
New and existing Halifax mortgage customers can find a mortgage for their new home.If you’re an existing Halifax mortgage customer then you may be able to port your mortgage deal to a new property if you are mid-way through.
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Halifax mortgages for buy-to-let borrowers:
Halifax’s buy-to-let mortgages are designed for new borrowers, remortgagers, and existing buy-to-let customers looking to switch to a new deal. If you haven’t reached your loan-to-value limit then there may also be an option to borrow more.
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Remortgaging with Halifax
New and existing Halifax mortgage customers looking to switch to a new deal can remortgage with Halifax. Halifax will waive the Early Repayment Charge for existing mortgage customers looking to switch to a new deal if there are fewer than three months left on their current deal.
How to get the best mortgage deals
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Rate
A fixed-rate mortgage can offer peace of mind because you’ll know what your monthly repayments are. But a tracker mortgage could be cheaper overall. It’s important to consider what suits your financial circumstances and attitude to risk.
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Fees
Consider any fees attached to the mortgage deal, as these can add considerably to the overall cost. Also, factor in the length of the initial term – there is likely to be an early repayment charge if you want to leave early.
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Credit rating
Check your credit report before applying for a new mortgage. This can have a big impact on what mortgage rates and deals you’ll be offered. You can also take steps to improve your rating where possible, such as getting on the electoral roll.
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Shop around
By shopping around, you can look across the whole mortgage market to find deals that suit your needs. That’s where we can help. Whether you’re looking to buy or remortgage, we offer a comprehensive mortgage comparison across the market to source the right one for you.
How do I compare Halifax mortgage deals?
You can use MoneySuperMarket to find and compare mortgage deals by type of mortgage, initial monthly cost (for the mortgage deal), initial interest rate for the deal, the maximum loan-to-value each provider offers, and whether there are any mortgage fees.
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Tell us a few details
Let us know an estimate of the property value, your deposit, the length of your desired term, and how you want to repay
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We find the deals
We sift through the mortgage deals available. This way, you can see what's on offer and make an informed choice
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How do I apply for a Halifax mortgage?
Once you’ve got a mortgage agreement in principle with Halifax, you’ll then need to speak to a Halifax mortgage adviser to complete your application.
You can apply for a Halifax mortgage over the phone or by booking an in branch appointment.
How long does it take to apply for a Halifax mortgage?
Completing an application for a Halifax mortgage doesn't take long, but it’s vital you take all the time you need to ensure you fill in the form accurately and double-check for mistakes. Errors can cause delays or damage your chances of success.
To minimise the time it takes, we'd suggest you gather all the necessary supporting documents ahead of time. So you've got everything to hand.
How long does Halifax mortgage approval take?
Expect to be waiting anywhere between one to six weeks to find out if you've been approved for a mortgage from Halifax. This is to allow Halifax to look over your finances and takes into account any potential delays to the process.
Am I eligible for a Halifax mortgage?
Your eligibility for a Halifax mortgage depends on a range of factors, relating to affordability and your financial history.
They'll also take into account the size of any deposit you're putting down, as well as your credit rating, your income and your monthly spending.
How much can I borrow?
Halifax will look closely at your income and outgoings to decide how much it's prepared to lend you.
As with most lenders, you should also expect Halifax to factor in your credit history, age, deposit amount, and any debts you have accrued.
How do I contact Halifax mortgages?
You can contact Halifax mortgages by:
Phone: Call Halifax mortgages on 0345 850 3705 – lines are open Monday-Friday 8am-8pm and Saturday 9am-4pm.
Halifax (and Bank of Scotland)’s registered address: The Mound, Edinburgh EH1 1YZ
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Reviewed on 22 Dec 2025