Halifax offers a range of fixed and variable rate mortgages starting as low as 4.31%.
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.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Overall representative example If you borrow £178,000 mortgage over 25 years initially at 4.49% fixed for 60 months reverting to 7.99% variable for term. 60 monthly payments of £988.37 and 240 monthly payments of £1306.89. Total amount payable £373,335.80 includes loan amount, interest of £194,956, valuation fees of £0 and product fees of £0. The overall cost for comparison is 6.7% APRC representative.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
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.
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.
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.”
Halifax has a wide variety of mortgages on offer, whether you’re looking for a fixed rate deal or a buy-to-let. It’s important to research which mortgage to apply for before you make such a big financial decision, plus a mortgage broker might be able to help you explore a larger number of mortgages on the market or find one well suited to your needs.”
Frequently asked questions
Yes, you can overpay by 10% of your mortgage balance per year without paying an Early Repayment Charge (ERC).
The minimum loan amount is £25,000 and the property’s minimum purchase/valuation price must be at least £40,000.
Yes, these are available with Halifax mortgages.
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.
Mortgage ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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.
The Finder team roamed the streets of London to quiz the general public about whether they prefer cash or card. Paid content.
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We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
