{"id":25281,"date":"2017-07-27T11:06:12","date_gmt":"2017-07-27T10:06:12","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=25281"},"modified":"2026-01-02T14:39:20","modified_gmt":"2026-01-02T14:39:20","slug":"halifax-mortgages","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/mortgages\/halifax-mortgages","title":{"rendered":"Halifax mortgage reviews"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; }\n#user-review-promo-rating-stars span:hover { cursor: pointer; }\n#user-review-promo-rating-stars .luna-stars::before, #user-review-promo-rating-stars .luna-stars::after { content: \"\\2605\" !important; }\n#user-review-promo-rating-stars .luna-stars::after { width: 0%; }\n#user-review-promo-rating-stars .luna-stars:hover::after { width: 100%; }\n#user-review-promo-rating-stars span.luna-stars:hover~span::after { width: 100%; }\n#user-review-promo-user, #user-review-promo-review, #user-review-promo-btn,\n#user-review-promo-members { display: none; transition: 1s all; opacity: 0; }\n#user-review-promo-close { font-size: 1.5em; text-align: right; padding-right: 0.5em; }\n#user-review-promo-close:hover { cursor: pointer; }\n#user-review-promo-core { display: none; }\n.lds-facebook { display: inline-block; position: relative; width: 80px; height: 80px; }\n.lds-facebook div { display: inline-block; position: absolute; left: 8px; width: 16px; background: #2ea8ff; animation: lds-facebook 1s cubic-bezier(0, 0.5, 0.5, 1) infinite; }\n.lds-facebook div:nth-child(1) { left: 8px; 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}\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><!-- Start: redirect login modal config script -->\n<script type=\"text\/javascript\">\n  window.redirectLoginModalConfig = window.redirectLoginModalConfig ?? [];\n  \n  window.redirectLoginModalConfig.push({\n    productIds: ''.split(\",\"),\n    tableIds: 'comparison-table-0000000000,comparison-table-0000000001,comparison-table-0000000002,comparison-table-0000000003,comparison-table-0000000004,comparison-table-0000000005,comparison-table-0000000006,comparison-table-0000000007,comparison-table-0000000008,comparison-table-0000000009,comparison-table-0000000010'.split(\",\"),\n    sideContent: atob('PGgyPlNpZ24gdXAgZm9yIHJhdGUgYWxlcnRzPC9oMj5CZWNvbWUgYSBGaW5kZXIgbWVtYmVyIGFuZCBzdWJzY3JpYmUgdG8gZW1haWxzIHRvIGdldCBhY2Nlc3MgdG8gdGhlIGxhdGVzdCBtb3J0Z2FnZSByYXRlIGFsZXJ0cywgZXhjbHVzaXZlIHJld2FyZHMgcGx1cyBmcmVlLCB1bmxpbWl0ZWQgYWNjZXNzIHRvIHlvdXIgY3JlZGl0IHNjb3JlIGFuZCByZXBvcnQuPGg0PlBsdXMgYmUgaW4gd2l0aCBhIGNoYW5jZSB0byB3aW4gJnBvdW5kOzUwMCE8L2g0Pg=='),\n    campaignId: 'redirectmodal_mortgages',\n    skipLimit: '3',\n  });\n<\/script>\n<!-- End: redirect login modal config script -->\n<h3>What types of mortgage can I get with Halifax?<\/h3><ul><li><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/fixed-rate-mortgages\">Fixed rate:<\/a> With this mortgage type, your interest rate remains locked for a set amount of time, providing certainty about the size of your mortgage repayments.<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/remortgaging\">Remortgages:<\/a> You can switch your existing mortgage to Halifax via one of its remortgage products.<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/offset-mortgages\">Offset:<\/a> This mortgage type allows you to use a Halifax savings account to offset the total mortgage balance you pay interest on.<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/tracker-mortgages\">Tracker:<\/a> With this type of mortgage, your interest rate will shift up and down in line with the Bank of England base rate.<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/variable-rate-mortgages\">Variable<\/a>: These are mortgages with variable rates, which are set by Halifax and can change at any time. Halifax doesn\u2019t offer variable rate mortgages as standalone products, but may switch you on to one when your fixed rate deal comes to an end.<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/buy-to-let-mortgages\">Buy-to-let:<\/a> This type of mortgage is needed if you want to borrow money to purchase an additional property and let it out.<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/shared-ownership-mortgages-buying-a-share-of-a-property\">Shared ownership:<\/a> 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.<\/li><li><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/interest-only-mortgages\">Interest-only<\/a>: Interest-only mortgages only pay the interest on the loan for the term, so you won\u2019t be reducing your debt while you\u2019re on an interest-only mortgage.<\/li><li>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.<\/li><\/ul><p id=\"ukfhl_main_options\">We've teamed up with L&amp;C Mortgages to help you compare live rates from over 80 lenders.<\/p>\n<div class=\"text-xxx-large u-font--bold has-margin-bottom-xsmall\">I want to...<\/div>\n<div class=\"u-grid\">\n<div class=\"u-grid__col u-1\/2@s\">\n<article class=\"luna-card luna-card--shadow\">\n<div class=\"luna-card__block\"><svg class=\"luna-icon--medium has-margin-right-xsmall\" style=\"margin-bottom: -8px;\"><use xlink:href=\"#icon-first-buyer\"><\/use><\/svg><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-first-time-buyer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Buy%2Bmy%2Bfirst%2Bhome%22%2C%22site%22%3A%22UKFHL%22%2C%22class%22%3A%22luna-card__title%22%2C%22offer_id%22%3A%223781%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%227886fbfd-9ae1-43e8-83ea-f9483f00b5ce%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BFirst%2Btime%2Bbuyer%22%2C%22provider_id%22%3A%2210be2346-8376-46f8-bd3d-44a34c873d67%22%2C%22provider_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22post_id%22%3A%2225281%22%2C%22post_path%22%3A%22mortgages%252Fhalifax-mortgages%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A536938%2C%22name%22%3A%22ukfhl_main_options%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-card__title\">Buy my first home<\/a><\/div>\n<\/article>\n<\/div>\n<div class=\"u-grid__col u-1\/2@s\">\n<article class=\"luna-card luna-card--shadow\">\n<div class=\"luna-card__block\"><svg class=\"luna-icon--medium has-margin-right-xsmall\" style=\"margin-bottom: -8px;\"><use xlink:href=\"#icon-location\"><\/use><\/svg><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-first-time-buyer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Move%2Bhouse%22%2C%22site%22%3A%22UKFHL%22%2C%22class%22%3A%22luna-card__title%22%2C%22offer_id%22%3A%223781%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%227886fbfd-9ae1-43e8-83ea-f9483f00b5ce%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BFirst%2Btime%2Bbuyer%22%2C%22provider_id%22%3A%2210be2346-8376-46f8-bd3d-44a34c873d67%22%2C%22provider_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22post_id%22%3A%2225281%22%2C%22post_path%22%3A%22mortgages%252Fhalifax-mortgages%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A536938%2C%22name%22%3A%22ukfhl_main_options%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-card__title\">Move house<\/a><\/div>\n<\/article>\n<\/div>\n<div class=\"u-grid__col u-1\/2@s\">\n<article class=\"luna-card luna-card--shadow\">\n<div class=\"luna-card__block\"><svg class=\"luna-icon--medium has-margin-right-xsmall\" style=\"margin-bottom: -8px;\"><use xlink:href=\"#icon-short-loans-solid\"><\/use><\/svg><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-first-time-buyer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Remortgage%2B%255BAMPERSAND%255D%2Bsave%22%2C%22site%22%3A%22UKFHL%22%2C%22class%22%3A%22luna-card__title%22%2C%22offer_id%22%3A%223781%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%227886fbfd-9ae1-43e8-83ea-f9483f00b5ce%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BFirst%2Btime%2Bbuyer%22%2C%22provider_id%22%3A%2210be2346-8376-46f8-bd3d-44a34c873d67%22%2C%22provider_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22post_id%22%3A%2225281%22%2C%22post_path%22%3A%22mortgages%252Fhalifax-mortgages%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A536938%2C%22name%22%3A%22ukfhl_main_options%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-card__title\">Remortgage &amp; save<\/a><\/div>\n<\/article>\n<\/div>\n<div class=\"u-grid__col u-1\/2@s\">\n<article class=\"luna-card luna-card--shadow\">\n<div class=\"luna-card__block\"><svg class=\"luna-icon--medium has-margin-right-xsmall\" style=\"margin-bottom: -8px;\"><use xlink:href=\"#icon-exclusive-deals-solid\"><\/use><\/svg><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/mortgages\/landc-first-time-buyer-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Buy%2Bto%2Blet%22%2C%22site%22%3A%22UKFHL%22%2C%22class%22%3A%22luna-card__title%22%2C%22offer_id%22%3A%223781%22%2C%22niche_code%22%3A%22UKFHL%22%2C%22product_id%22%3A%227886fbfd-9ae1-43e8-83ea-f9483f00b5ce%22%2C%22product_name%22%3A%22L%255BAMPERSAND%255DC%2BFirst%2Btime%2Bbuyer%22%2C%22provider_id%22%3A%2210be2346-8376-46f8-bd3d-44a34c873d67%22%2C%22provider_name%22%3A%22L%255BAMPERSAND%255DC%22%2C%22post_id%22%3A%2225281%22%2C%22post_path%22%3A%22mortgages%252Fhalifax-mortgages%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A536938%2C%22name%22%3A%22ukfhl_main_options%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-card__title\">Buy to let<\/a><\/div>\n<\/article>\n<\/div>\n<\/div>\n<div class=\"text-center\">We compare brands including:<\/div>\n\n<div class=\"u-grid u-grid--alignCenter no-margin-left no-margin-right has-margin-bottom\">\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png\" alt=\"Post Office Money\u00ae logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de6624f3b067.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png\" alt=\"NatWest logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de653c442a65.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png\" alt=\"Halifax logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de641ff3aac8.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/60f065a491297.png\" alt=\"HSBC logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/60f065a491297.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/60f065a491297.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/60f065a491297.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/60f065a491297.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/60f065a491297.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png\" alt=\"Barclays Mortgages logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/60e2c994507a5.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png\" alt=\"Molo Finance logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de7e63cbedd0.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png\" alt=\"Skipton BS logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de66a391e5dd.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<div style=\"width: 10%; min-width: 102px; display: inline-block;\">\n<div class=\"has-padding-top-small has-padding-right-small has-padding-left-small fndrfd\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png\" alt=\"TSB logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5de7e3c170280.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n<\/div>\n<\/div>\n<\/div>\n\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.<\/div><\/article><h3>How to apply<\/h3><p>You can get a mortgage in principle online, by calling 0345 850 3705 or by visiting a local branch. Once you\u2019ve had an offer accepted on a property, you can complete your mortgage application over the phone or in-branch.<\/p><h3>What information do I need to provide?<\/h3><p>You\u2019ll 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.<\/p><h3>Eligibility criteria<\/h3><p>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.<\/p><p>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\u2019re self-employed, you\u2019ll need to be able to show at least one year\u2019s worth of accounts, or two year\u2019s worth if you\u2019ve been self-employed for more than that time.<\/p><h3>Contact details<\/h3><p>For general mortgage queries, call 0345 850 3705 or visit a local branch.<\/p><h3>Halifax mortgages customer reviews<\/h3><p>In our 2024 <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/finder-mortgages-customer-satisfaction-awards-2024\"> customer satisfaction survey<\/a>, Halifax  scored 4.7 out of 5 stars with 95% of its customers saying they\u2019d recommend the brand to a friend. <\/p><p>Customers in our survey commented positively on Halifax\u2019s communication and customer service.<\/p><h4>Here\u2019s some of the feedback we got from Halifax mortgage customers:<\/h4><p>\u201cGood customer service. Quick processing of application.\u201d<br>\u201cAlways providing the best customer service.\u201d<br>\u201cEasy to use. Good communication.\u201d<\/p><div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>Halifax has a wide variety of mortgages on offer, whether you\u2019re looking for a fixed rate deal or a buy-to-let. It\u2019s important to research which mortgage to apply for before you make such a big financial decision, plus a <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/mortgage-brokers\">mortgage broker<\/a> might be able to help you explore a larger number of mortgages on the market or find one well suited to your needs.\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Michelle Stevens, Deputy Editor for Mortgages, Finder<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Can I make overpayments?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, you can overpay by 10% of your mortgage balance per year without paying an early repayment charge (ERC).<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Is there a minimum loan amount?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>The minimum loan amount is \u00a325,000 and the property\u2019s minimum purchase\/valuation price must be at least \u00a340,000.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Does this provider allow payment holidays?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, these are available with Halifax mortgages.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">If I move, can I keep my current mortgage with Halifax?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>When you move, you\u2019ll generally need to apply for a new mortgage \u2013 particularly if you\u2019re 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 \u201cport\u201d your existing mortgage. To find out if this is true for you, check your mortgage\u2019s terms and conditions or contact Halifax.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\"><strong>Representative example <\/strong><br>A mortgage of \u00a3230,537 payable over 23 years, initially on a fixed rate until 31\/01\/28 at 3.99% and then on a variable rate of 6.49% for the remaining 21 years would require 24 payments of \u00a31,277.66 followed by 252 payments of \u00a31,585.00. The total amount payable would be \u00a3430,099 made up of the loan amount plus interest (\u00a3199,547) and fees (\u00a315). The overall cost for comparison is 6.1% APRC representative.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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 is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Our mortgage review includes Halifax customers&#8217; views and our analysis of the types of mortgage on offer, plus how you can apply.<\/p>\n","protected":false},"author":645,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[1023],"tags":[],"asset_tag":[],"class_list":["post-25281","post","type-post","status-publish","format-standard","hentry","category-mortgages"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Halifax mortgage reviews | Finder UK<\/title>\n<meta name=\"description\" content=\"Looking for a mortgage with Halifax? 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