Fixed rate
The interest rate is fixed for a number of years, offering predictable repayments.
Best Halifax mortgage rates
The best Halifax mortgages available at MoneySuperMarket on 22 May 2026, ordered by monthly payment.
What types of mortgage does Halifax offer?
Halifax offers a range of mortgage options to suit different types of borrowers, including:
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Tracker
Interest rates follow the base rate
^ so repayments can go up or down. -
First time buyer
For those getting onto the property ladder, with deposits starting from as little as 5%.
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Home mover
You may be able to port your current deal to a new property, depending on your circumstances.
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Buy-to-let
Whether you're purchasing a new rental property or remortgaging an existing one.
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Remortgaging
Sometimes early repayment charges
^ are waived if you're close to the end of your deal.
Why choose Halifax?
Halifax is one of the UK’s largest high-street lenders, with over 550 branches.
Alongside standard mortgage options, it also provides more specialised products, such as the Family Boost mortgage, where a family member can place savings as security to support a low-deposit purchase.
Halifax may also offer incentives on selected deals, such as cashback or products aimed at energy-efficient homes.
How to get the best mortgage deals
Finding the right mortgage isn’t just about the rate, it’s about the overall cost and what suits your circumstances.
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Choose the right 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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Compare 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 will likely be early repayment charges
^ if you want to end it early. -
Optimise your 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.
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Shop around
Look across the whole mortgage market to find deals that suit your needs. Whether you’re looking to buy or remortgage, MoneySuperMarket can help.
How to compare Halifax mortgage deals
Compare mortgage deals based on your circumstances at MoneySuperMarket. Just give us a few details and we'll do the rest.
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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
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Tell us a few details
Give us 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’ll show you relevant mortgage deals so you can compare your options and make an informed choice.
Mortgage calculators
Take control of your home-buying journey with MoneySuperMarket mortgage calculators
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Mortgage Affordability Calculator
Find out how much you could borrow.
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Mortgage Repayment Calculator
Work out what your repayments will be based on how much you’re borrowing, the interest rate, related fees, and term.
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Stamp Duty Calculator
Find out how much you'll have to pay in stamp duty when you buy your property.
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Base Rate Calculator
Find out how your repayments could be affected by changes to the Bank of England's base rate
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Mortgage Overpayment Calculator
Find out how much you could save by making overpayments.
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Rental Yield Calculator
Find out how much return you could earn from a buy-to-let property.
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
Looking for other mortgages and tools?
Reviewed on 22 May 2026
An early repayment charge (ERC) is a fee for ending a mortgage deal before the term ends. Typical ERCs range between 1% and 5% of the remaining loan amount if you want to end it early.
ERCs often also apply if you attempt to pay back more than 10% of the outstanding loan amount in a single year.
Find out more in our guide to early repayment charges.
The base rate or 'Bank Rate' is the official interest rate set by the Bank of England that guides banks and lenders.
The base rate is currently 3.75%, following a .25% cut in December 2025.
