Halifax

Halifax mortgage rates, fees and review

Halifax offers a range of fixed and variable rate mortgages starting as low as 4.04%.

Customer rating
★★★★★
Satisfaction survey
Customers generally positive about the service, in-branch and on the phone
Rates may be better elsewhere
Halifax is a British bank operating as a trading division of Bank of Scotland, itself a wholly owned subsidiary of Lloyds Banking Group. It is named after the town of Halifax, West Yorkshire, where it was founded as a building society in 1853. By 1913, it had developed into the UK's largest building society and continued to maintain this position within the UK until 1997, when it demutualised.
£
£
years
Name Product Initial rate Revert rate (SVR) Maximum LTV Cashback Apply link Initial payment
Halifax 31/05/2033 Fixed
4.04% fixed until 31/05/2033
7.49% variable
60%
View details
£920.43
4.6% APRC
Halifax 31/05/2033 Fixed
4.09% fixed until 31/05/2033
7.49% variable
75%
View details
£923.73
4.7% APRC
Halifax 31/05/2033 Fixed
4.15% fixed until 31/05/2033
7.49% variable
60%
View details
£927.70
4.7% APRC
Halifax 31/05/2028 Fixed
4.18% fixed until 31/05/2028
7.49% variable
60%
View details
£929.69
5.8% APRC
CASHBACK
Halifax 31/05/2028 Fixed
4.18% fixed until 31/05/2028
7.49% variable
60%
View details
N/A
Below min. advance
Halifax 31/05/2033 Fixed
4.2% fixed until 31/05/2033
7.49% variable
75%
View details
£931.01
4.7% APRC
Halifax 31/05/2028 Fixed
4.23% fixed until 31/05/2028
7.49% variable
75%
View details
£933.01
5.8% APRC
CASHBACK
Halifax 31/05/2028 Fixed
4.23% fixed until 31/05/2028
7.49% variable
75%
View details
N/A
Below min. advance
Halifax 31/05/2028 Fixed
4.29% fixed until 31/05/2028
7.49% variable
60%
View details
N/A
Exceeds max. advance
Halifax 31/05/2028 Fixed
4.29% fixed until 31/05/2028
7.49% variable
60%
View details
N/A
Below min. advance
Halifax 31/05/2028 Fixed
4.29% fixed until 31/05/2028
7.49% variable
60%
View details
£937
5.8% APRC
Halifax 31/05/2028 Fixed
4.34% fixed until 31/05/2028
7.49% variable
75%
View details
N/A
Below min. advance
Halifax 31/05/2028 Fixed
4.34% fixed until 31/05/2028
7.49% variable
75%
View details
£940.33
5.8% APRC
Halifax 31/05/2028 Fixed
4.34% fixed until 31/05/2028
7.49% variable
75%
View details
N/A
Exceeds max. advance
CASHBACK
Halifax 31/05/2033 Fixed
4.35% fixed until 31/05/2033
7.49% variable
60%
View details
£941
4.9% APRC
CASHBACK
Halifax 31/05/2033 Fixed
4.39% fixed until 31/05/2033
7.49% variable
60%
View details
£943.67
4.8% APRC
CASHBACK
Halifax 31/05/2028 Fixed
4.4% fixed until 31/05/2028
7.49% variable
60%
View details
£944.34
5.9% APRC
CASHBACK
Halifax 31/05/2033 Fixed
4.4% fixed until 31/05/2033
7.49% variable
75%
View details
£944.34
5% APRC
Halifax 31/05/2028 Fixed
4.43% fixed until 31/05/2028
7.49% variable
60%
View details
N/A
Below min. advance
CASHBACK
Halifax 31/05/2028 Fixed
4.43% fixed until 31/05/2028
7.49% variable
85%
View details
N/A
Below min. advance
CASHBACK
Halifax 31/05/2033 Fixed
4.44% fixed until 31/05/2033
7.49% variable
75%
View details
£947.02
4.9% APRC
CASHBACK
Halifax 31/05/2028 Fixed
4.45% fixed until 31/05/2028
7.49% variable
75%
View details
£947.69
5.9% APRC
Halifax 31/05/2028 Fixed
4.48% fixed until 31/05/2028
7.49% variable
75%
View details
N/A
Below min. advance
CASHBACK
Halifax 31/05/2028 Fixed
4.49% fixed until 31/05/2028
7.49% variable
60%
View details
£950.38
5.9% APRC
CASHBACK
Halifax 31/05/2025 Fixed
4.53% fixed until 31/05/2025
7.49% variable
60%
View details
N/A
Below min. advance
CASHBACK
Halifax 31/05/2028 Fixed
4.54% fixed until 31/05/2028
7.49% variable
75%
View details
£953.74
5.9% APRC
Halifax 31/05/2025 Variable
4.59% variable (Base Rate plus 0.59% for up to 40 Years)
N/A
60%
View details
N/A
Below min. advance
Halifax 31/05/2025 Variable
4.59% variable (Base Rate plus 0.59% for up to 40 Years)
N/A
60%
View details
N/A
Below min. advance
Halifax 31/05/2028 Fixed
4.6% fixed until 31/05/2028
7.49% variable
80%
View details
£957.78
6% APRC
CASHBACK
Halifax 31/05/2028 Fixed
4.6% fixed until 31/05/2028
7.49% variable
80%
View details
£957.78
6% APRC
Halifax 31/05/2028 Fixed
4.6% fixed until 31/05/2028
7.49% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Halifax 31/05/2025 Fixed
4.63% fixed until 31/05/2025
7.49% variable
75%
View details
N/A
Below min. advance
Halifax 31/05/2025 Variable
4.64% variable (Base Rate plus 0.64% for up to 40 Years)
N/A
75%
View details
N/A
Below min. advance
Halifax 31/05/2025 Variable
4.64% variable (Base Rate plus 0.64% for up to 40 Years)
N/A
75%
View details
N/A
Below min. advance
CASHBACK
Halifax 31/05/2028 Fixed
4.65% fixed until 31/05/2028
7.49% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Halifax 31/05/2028 Fixed
4.69% fixed until 31/05/2028
7.49% variable
80%
View details
£963.86
6% APRC
Halifax 31/05/2025 Fixed
4.7% fixed until 31/05/2025
7.49% variable
60%
View details
£964.54
7% APRC
CASHBACK
Halifax 31/05/2025 Fixed
4.7% fixed until 31/05/2025
7.49% variable
60%
View details
£964.54
7% APRC
Halifax 31/05/2028 Fixed
4.71% fixed until 31/05/2028
7.49% variable
85%
View details
N/A
Exceeds max. term
Halifax 31/05/2028 Fixed
4.71% fixed until 31/05/2028
7.49% variable
80%
View details
N/A
Exceeds max. advance
Halifax 31/05/2028 Fixed
4.71% fixed until 31/05/2028
7.49% variable
85%
View details
N/A
Below min. advance
Halifax 31/05/2028 Fixed
4.71% fixed until 31/05/2028
7.49% variable
80%
View details
£965.22
6% APRC
Halifax 31/05/2028 Fixed
4.71% fixed until 31/05/2028
7.49% variable
80%
View details
N/A
Below min. advance
CASHBACK
Halifax 31/05/2028 Fixed
4.74% fixed until 31/05/2028
7.49% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Halifax 31/05/2028 Fixed
4.74% fixed until 31/05/2028
7.49% variable
75%
View details
£967.25
6% APRC
Halifax 31/05/2025 Fixed
4.75% fixed until 31/05/2025
7.49% variable
75%
View details
£967.93
7% APRC
Halifax 31/05/2028 Fixed
4.75% fixed until 31/05/2028
7.49% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Halifax 31/05/2025 Fixed
4.75% fixed until 31/05/2025
7.49% variable
75%
View details
£967.93
7% APRC
CASHBACK
Halifax 31/05/2028 Fixed
4.75% fixed until 31/05/2028
7.49% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Halifax 31/05/2025 Fixed
4.78% fixed until 31/05/2025
7.49% variable
85%
View details
N/A
Below min. advance
Halifax 31/05/2025 Variable
4.79% variable (Base Rate plus 0.79% for up to 40 Years)
N/A
80%
View details
N/A
Below min. advance
Halifax 31/05/2025 Variable
4.79% variable (Base Rate plus 0.79% for up to 40 Years)
N/A
80%
View details
N/A
Below min. advance
Halifax 31/05/2025 Variable
4.84% variable (Base Rate plus 0.84% for up to 40 Years)
N/A
85%
View details
N/A
Below min. advance
CASHBACK
Halifax 31/05/2026 Fixed
4.84% fixed until 31/05/2026
7.49% variable
100%
Eligible customers can receive up to £300 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
Halifax 31/05/2025 Variable
4.84% variable (Base Rate plus 0.84% for up to 40 Years)
N/A
85%
View details
N/A
Below min. advance
CASHBACK
Halifax 31/05/2028 Fixed
4.84% fixed until 31/05/2028
7.49% variable
90%
View details
N/A
Exceeds max. term
Halifax 31/05/2028 Fixed
4.85% fixed until 31/05/2028
7.49% variable
85%
View details
N/A
Below min. advance
Halifax 31/05/2028 Fixed
4.86% fixed until 31/05/2028
7.49% variable
90%
View details
N/A
Below min. advance
Halifax 31/05/2028 Fixed
4.86% fixed until 31/05/2028
7.49% variable
90%
View details
N/A
Exceeds max. term
Halifax 31/05/2028 Fixed
4.86% fixed until 31/05/2028
7.49% variable
90%
View details
N/A
Exceeds max. advance
CASHBACK
Halifax 31/05/2025 Fixed
4.9% fixed until 31/05/2025
7.49% variable
80%
View details
£978.14
7.1% APRC
Halifax 31/05/2025 Fixed
4.9% fixed until 31/05/2025
7.49% variable
80%
View details
£978.14
7.1% APRC
CASHBACK
Halifax 31/05/2025 Fixed
4.92% fixed until 31/05/2025
7.49% variable
60%
View details
£979.51
6.9% APRC
CASHBACK
Halifax 31/05/2025 Fixed
4.95% fixed until 31/05/2025
7.49% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Halifax 31/05/2028 Fixed
4.95% fixed until 31/05/2028
7.49% variable
90%
View details
N/A
Exceeds max. term
Halifax 31/05/2025 Fixed
4.95% fixed until 31/05/2025
7.49% variable
85%
View details
N/A
Exceeds max. term
Halifax 31/05/2025 Fixed
4.95% fixed until 31/05/2025
7.49% variable
60%
View details
N/A
Below min. advance
Halifax 31/05/2025 Fixed
4.97% fixed until 31/05/2025
7.49% variable
60%
View details
N/A
Exceeds max. advance
Halifax 31/05/2025 Fixed
4.97% fixed until 31/05/2025
7.49% variable
60%
View details
£982.93
6.9% APRC
CASHBACK
Halifax 31/05/2025 Fixed
4.97% fixed until 31/05/2025
7.49% variable
75%
View details
£982.93
6.9% APRC
Halifax 31/05/2025 Fixed
4.97% fixed until 31/05/2025
7.49% variable
60%
View details
N/A
Below min. advance
CASHBACK
Halifax 31/05/2028 Fixed
5% fixed until 31/05/2028
7.49% variable
95%
View details
N/A
Exceeds max. term
Halifax 31/05/2025 Fixed
5% fixed until 31/05/2025
7.49% variable
75%
View details
N/A
Below min. advance
Halifax 31/05/2025 Fixed
5.02% fixed until 31/05/2025
7.49% variable
75%
View details
N/A
Exceeds max. advance
Halifax 31/05/2025 Fixed
5.02% fixed until 31/05/2025
7.49% variable
75%
View details
£986.36
6.9% APRC
Halifax 31/05/2025 Fixed
5.02% fixed until 31/05/2025
7.49% variable
75%
View details
N/A
Below min. advance
CASHBACK
Halifax 31/05/2028 Fixed
5.04% fixed until 31/05/2028
7.49% variable
90%
View details
N/A
Exceeds max. term
Halifax 31/05/2025 Variable
5.09% variable (Base Rate plus 1.09% for up to 40 Years)
N/A
90%
View details
N/A
Below min. advance
Halifax 31/05/2025 Variable
5.09% variable (Base Rate plus 1.09% for up to 40 Years)
N/A
90%
View details
N/A
Below min. advance
CASHBACK
Halifax 31/05/2028 Fixed
5.09% fixed until 31/05/2028
7.49% variable
95%
View details
N/A
Exceeds max. term
CASHBACK
Halifax 31/05/2025 Fixed
5.12% fixed until 31/05/2025
7.49% variable
80%
View details
£993.23
7% APRC
CASHBACK
Halifax 31/05/2025 Fixed
5.17% fixed until 31/05/2025
7.49% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Halifax 31/05/2025 Fixed
5.17% fixed until 31/05/2025
7.49% variable
75%
View details
£996.68
7% APRC
Halifax 31/05/2025 Fixed
5.17% fixed until 31/05/2025
7.49% variable
80%
View details
N/A
Below min. advance
Halifax 31/05/2025 Fixed
5.17% fixed until 31/05/2025
7.49% variable
80%
View details
£996.68
7% APRC
Halifax 31/05/2025 Fixed
5.17% fixed until 31/05/2025
7.49% variable
80%
View details
N/A
Exceeds max. advance
Halifax 31/05/2025 Fixed
5.2% fixed until 31/05/2025
7.49% variable
85%
View details
N/A
Below min. advance
CASHBACK
Halifax 31/05/2025 Fixed
5.2% fixed until 31/05/2025
7.49% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Halifax 31/05/2028 Fixed
5.2% fixed until 31/05/2028
7.49% variable
95%
View details
N/A
Exceeds max. term
Halifax 31/05/2025 Fixed
5.22% fixed until 31/05/2025
7.49% variable
85%
View details
N/A
Exceeds max. advance
Halifax 31/05/2025 Fixed
5.22% fixed until 31/05/2025
7.49% variable
85%
View details
N/A
Below min. advance
Halifax 31/05/2025 Fixed
5.22% fixed until 31/05/2025
7.49% variable
85%
View details
N/A
Exceeds max. term
Halifax 31/05/2025 Fixed
5.25% fixed until 31/05/2025
7.49% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Halifax 31/05/2028 Fixed
5.29% fixed until 31/05/2028
7.49% variable
95%
View details
N/A
Exceeds max. term
CASHBACK
Halifax 31/05/2025 Fixed
5.4% fixed until 31/05/2025
7.49% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Halifax 31/05/2025 Fixed
5.42% fixed until 31/05/2025
7.49% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Halifax 31/05/2025 Fixed
5.45% fixed until 31/05/2025
7.49% variable
95%
View details
N/A
Exceeds max. term
Halifax 31/05/2025 Fixed
5.52% fixed until 31/05/2025
7.49% variable
90%
View details
N/A
Below min. advance
Halifax 31/05/2025 Fixed
5.52% fixed until 31/05/2025
7.49% variable
90%
View details
N/A
Exceeds max. advance
Halifax 31/05/2025 Fixed
5.52% fixed until 31/05/2025
7.49% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Halifax 31/05/2025 Fixed
5.62% fixed until 31/05/2025
7.49% variable
90%
View details
N/A
Exceeds max. term
CASHBACK
Halifax 31/05/2025 Fixed
5.65% fixed until 31/05/2025
7.49% variable
95%
View details
N/A
Exceeds max. term
CASHBACK
Halifax 31/05/2025 Fixed
5.67% fixed until 31/05/2025
7.49% variable
95%
View details
N/A
Exceeds max. term
Halifax 31/05/2028 Fixed
5.71% fixed until 31/05/2028
7.49% variable
85%
View details
N/A
Exceeds max. advance
CASHBACK
Halifax 31/05/2025 Fixed
5.87% fixed until 31/05/2025
7.49% variable
95%
View details
N/A
Exceeds max. term
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Overall representative example
If you borrow £178,000 over a 25-year term at 4.52% p.a. (fixed) for 60 months reverting to 7.50% p.a. (variable) for the remaining term, you would make 60 monthly payments of £991.40 and 240 monthly payments of £1260.27. The total payable would be £363,327.80, which includes the interest of £183,949, valuation fees of £0 and a product fee of £999. The overall cost for comparison is 6.5% APRC representative.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Overview of Halifax mortgages

Initial rate types Base rate tracker, fixed
Borrower types Remortgaging, first-time buyers, moving house
Mortgage amounts From £25,000 to £5,000,000
Mortgage terms From 3 to 40 years
Maximum LTV 100%
Lowest initial rate 4.04%
Longest fixed rate offer 10 years 3 months
Regions covered Great Britain, Northern Ireland
Applicant age From 18 to 80
Offers portable mortgages

Halifax buy-to-let mortgage rates

1 - 5 of 8
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Link
Halifax 31/05/2028 Fixed
5.69% fixed until 31/05/2028
8.34% variable
60%
7.3% APRC
View details
Halifax 31/05/2028 Fixed
5.71% fixed until 31/05/2028
8.34% variable
60%
7.4% APRC
View details
Halifax 31/05/2028 Fixed
5.74% fixed until 31/05/2028
8.34% variable
75%
7.4% APRC
View details
Halifax 31/05/2028 Fixed
5.76% fixed until 31/05/2028
8.34% variable
75%
7.4% APRC
View details
Halifax 31/05/2025 Fixed
6.12% fixed until 31/05/2025
8.34% variable
60%
8.1% APRC
View details
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Compare up to 4 providers

1 - 4 of 4
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Link
Halifax 31/05/2028 Fixed
5.71% fixed until 31/05/2028
8.34% variable
60%
7.4% APRC
View details
Halifax 31/05/2028 Fixed
5.76% fixed until 31/05/2028
8.34% variable
75%
7.4% APRC
View details
Halifax 31/05/2025 Fixed
6.2% fixed until 31/05/2025
8.34% variable
60%
8.1% APRC
View details
Halifax 31/05/2025 Fixed
6.25% fixed until 31/05/2025
8.34% variable
75%
8.2% APRC
View details