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What types of mortgage can I get with Halifax?

• Fixed rate: With this mortgage type, your interest rate remains locked for a set amount of time, providing certainty about the size of your mortgage repayments.
• Remortgages: You can switch your existing mortgage to Halifax via one of its remortgage products.
• Offset: This mortgage type allows you to use a Halifax savings account to offset the total mortgage balance you pay interest on.
• Tracker: With this type of mortgage, your interest rate will shift up and down in line with the Bank of England base rate.
• Variable: These are mortgages with variable rates, which are set by Halifax and can change at any time. Halifax doesn’t offer variable rate mortgages as standalone products, but may switch you on to one when your fixed rate deal comes to an end.
• Buy-to-let: This type of mortgage is needed if you want to borrow money to purchase an additional property and let it out.
• Shared ownership: This mortgage type allows you to own a percentage of a property and pay rent on the remainder. When you can afford it, you can then apply to buy an additional percentage of the property.
• Interest-only: Interest-only mortgages only pay the interest on the loan for the term, so you won’t be reducing your debt while you’re on an interest-only mortgage.
• Family boost

: With this type of mortgage, a family member puts 10% of the agreed property purchase price into a fixed savings account. That money stays in the account for 3 years, earning interest, and acts as a guarantee. The mortgage holder will be on a 3-year fixed interest rate mortgage and when term ends, your family member gets their savings, as long as your mortgage payments are up to date.

We've teamed up with L&C Mortgages to help you compare live rates from over 80 lenders.

How to apply

You can get a mortgage in principle online, by calling 0345 850 3705 or by visiting a local branch. Once you’ve had an offer accepted on a property, you can complete your mortgage application over the phone or in-branch.

What information do I need to provide?

You’ll need to provide proof of identity, your most recent payslips and details of your current financial commitments, such as any major outgoings or loan repayments.

Eligibility criteria

Applicants must be at least 18 years old and no older than 80 when the mortgage term is due to end. If any part of the mortgage is on an interest-only basis then the maximum age is 70.

All applications are subject to affordability assessments and credit checks. Halifax will not lend more than five times the annual income of the applicant(s). If you’re self-employed, you’ll need to be able to show at least one year’s worth of accounts, or two year’s worth if you’ve been self-employed for more than that time.

Contact details

For general mortgage queries, call 0345 850 3705 or visit a local branch.

Halifax mortgages customer reviews

In our 2024 customer satisfaction survey, Halifax scored 4.7 out of 5 stars with 95% of its customers saying they’d recommend the brand to a friend.

Customers in our survey commented positively on Halifax’s communication and customer service.

Here’s some of the feedback we got from Halifax mortgage customers:

“Good customer service. Quick processing of application.”
“Always providing the best customer service.”
“Easy to use. Good communication.”

Frequently asked questions

• Can I make overpayments?

  Yes, you can overpay by 10% of your mortgage balance per year without paying an early repayment charge (ERC).

• Is there a minimum loan amount?

  The minimum loan amount is £25,000 and the property’s minimum purchase/valuation price must be at least £40,000.

• Does this provider allow payment holidays?

  Yes, these are available with Halifax mortgages.

• If I move, can I keep my current mortgage with Halifax?

  When you move, you’ll generally need to apply for a new mortgage – particularly if you’re borrowing a larger amount of money. However, the terms of the particular mortgage deal you have with Halifax may be transferrable to your new mortgage, or you might actually be able to “port” your existing mortgage. To find out if this is true for you, check your mortgage’s terms and conditions or contact Halifax.

Written by

Matthew Boyle

Publisher

Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife. See full bio

Matthew's expertise

Matthew has written 279 Finder guides across topics including:

• Helping first-time buyers apply for a mortgage
• Comparing bank accounts and highlighting useful features
• Publishing easy-to-understand guides