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Halifax Mortgages

Find out more about Halifax

published: 27 February 2019
Read time: 5 minutes

Halifax offers fixed and variable rate mortgages for first-time buyers, home movers, remortgagers and buy-to-let borrowers.

Your home may be repossessed if you do not keep up repayments on your mortgage

About Halifax mortgages

Halifax offers fixed rate and tracker rate mortgages plus its own variable rates.

Halifax bank also offers current accounts, savings accounts, loans, credit cards and more.

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.


Halifax mortgage options

Find fixed and variable rate (tracker) mortgages, plus Halifax’s standard variable rates, are designed for first-time buyers, home movers, buy-to-let borrowers and remortgagers.

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.

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.

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.

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. Existing mortgage customers can also inquire about additional borrowing.

Some remortgage deals will come with the Halifax Remortgage Service - where they’ll pay their own legal fees and won't charge you for the property assessment (property valuation).

Halifax mortgage in principle

You can apply for a mortgage in principle online on the Halifax website.

It’s free to get a mortgage in principle with Halifax, and you aren’t under any obligation to then apply for the mortgage deal you’ve found. A mortgage in principle can help to show you’re a serious buyer when it comes to putting in an offer for a house.

If you’ve got an agreement in principle you want to proceed with then you’ll need to speak to a Halifax mortgage adviser.

How do you 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.

Halifax mortgages contact details

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

Compare mortgage deals with MoneySuperMarket

You can also 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.