Halifax 2 Year Fixed Rate Mortgage: Expert Review & Current Rates 

Halifax announces rate reduction on 18th  Nov 2025 for First time buyer mortgage rates, Remortgage rates and Home mover rates to be reduce . Halifax also announce in change of policy making it more easier for non-UK nationals.

As a first-time buyer, many borrowers want to borrow the maximum they possibly can, as they have a limited deposit saved. To help them with this, Halifax has launched a new first time buyer boost mortgage range.

With the help of Halifax First Time Buyer Boost Mortgage a first-time buyer can borrow up to 5.5 times of their income, which is 22% more than Halifax’s usual lending limit of 4.5 times.

To be eligible for the Halifax boost product the following criteria must be met.

• At least one applicant must be a first-time buyer.
• The total minimum household income should be £50,
• Applicant must have a 10% deposit and the other 90% can be borrowed.
• All the applicants need to have an employed income and not a self-employed one.
• The boost range is not available for other affordable housing schemes like shared ownership, shared equity, mortgage guarantee or family boost mortgage.

For example someone with an employed income of £50,000 and a 10% deposit could borrow up to £224,500 (this is 4.5 times).

With Halifax’s first-time buyer boost range the same client could borrow  up to £275,000. Speak to a mortgage broker to get your Halifax mortgage process started.

The Halifax 95% loan to value range for first time buyers offers an attractive mortgage rate.

Check out our mortgage rates comparison for up to date mortgage rates.

Halifax 2-Year Fixed Mortgage Rates

Halifax 2 year fixed mortgage rates for first time buyers can be good start to step on property ladder. Halifax 2 year fixed mortgage eligibility criteria makes it easy for borrowers to obtain the mortgage they need. We have added different rates below  from  Halifax 2 year fixed mortgage no fee options to Best Halifax 2 year fixed rates.

Halifax 2-Year Fixed: 95% LTV Rates

You will need excellent credit score for 95% Loan to value mortgages. Any outstanding credit commitment like loan and credit cards need to be paid before loan start.

Halifax 2-Year Fixed: 90% LTV Rates

Check out Halifax’s mortgage rates for borrowers looking to purchase with a 10% deposit and 90% loan to value. You will need excellent credit score for 90% Loan to value mortgages.

Halifax 2-Year Fixed: 85% LTV Rates

Saving more for your deposit can reduce mortgage rates, which, in turn,  reduces monthly mortgage cost. Our Halifax fixed rate mortgage with 85% loan to value can give you a perspective on rates available.

Halifax 2-Year Fixed: 75% LTV Rates

Halifax’s 2 year fixed rate mortgage with a 25% deposit offers very competitive rates for a fixed term mortgage of 2 years and 5 years. Check out the table below  for the 75% LTV mortgage rates.

Halifax 2-Year Fixed: 60% LTV Rates

60% LTV mortgage rates are the cheapest rates offered by lenders. The table below highlights the best 2 year fixed rate mortgage for 60% LTV.

Our mortgage rates comparison tool can show up to date mortgage rates from Halifax.

Halifax’s Fixed  Remortgage Rates for 2 Years and 5 Years.

If you are thinking to remortgage with Halifax’s fixed rate, then look at the rates available for remortgages from Halifax on a 2 year and 5 year fixed rate. Our  mortgage rates comparison tool can show up to date fixed mortgage rates from whole of market.

From 18 th Nov  2025 Halifax made changes to remortgage product range.

Halifax introduced New 1.5 year fixed Remortgage Rate.

Many mortgage borrowers concern about they may miss out on interest rate coming down while they are on fixed term mortgage. Halifax offer 1.5 years fixed rate mortgage.

The key criteria for 1.5 years fixed rate is £250 cash back for using own conveyancer. Free legal remortgage service is not included in new product.

Halifax will offer free legal on remortgage for 2 years or more  product range.

Halifax 2-Year Fixed Remortgage: 90% LTV Rates

Halifax’s 2 years fixed remortgage rates with a higher loan to value will suit someone who does not have very much  equity in their property.

Halifax 2-Year Fixed Remortgage: 85% LTV Rates

Halifax 2-Year Fixed Remortgage: 75% LTV Rates

Halifax 2-Year Fixed Remortgage: 60% LTV Rates

How to Apply for a Halifax Mortgage?

Mortgage applications can be submitted to Halifax via going direct  to branch or online. But this usually takes longer than applying for a mortgage application through a mortgage broker.

Mortgage brokers can compare the Halifax mortgage rates with other lenders, which helps you make an informed decision on a wider selection of deals. Some mortgage brokers like MariannaFS do not charge broker fees for your mortgage application, meaning you pay us nothing, , while not compromising on the service at all.

How To Get The Halifax 2 Years Best Mortgage Rates?

To get the best Halifax mortgage rates you require a good credit score and a good amount of deposit or equity. Some  steps below can help secure Halifax’s  lower fixed mortgage rates.

Improving Credit Score:

Paying off all the bills on time can help to improve credit scoring  not making  many credit applications before you apply for the mortgage will also help.

Higher Deposit:

Halifax offers better rates to borrowers who have  higher deposits or a higher equity in the property, this is because more deposit means less mortgage borrowing, and less risk on their part.

Compare Mortgage Rates:

 Never permanently settle on your existing lender when it is time to remortgage or purchase a new property. Every bank and building society offers different mortgage rates, our mortgage comparison tool will help you to compare the best mortgage rates.

Talk to Mortgage Broker:

Mortgage broker can help to secure the best rates available in market. They know the lender criteria and requirement. Remember that not all the mortgage broker charge fees. Working with good mortgage adviser can save you time and money.

How Long Will a Halifax Mortgage Application Take?

Mortgage applications with Halifax could take 2 – 8 weeks, this is dependent on many factors. The major factors that affect  your Halifax mortgage application are:

Loan to Value:

Having a higher deposit or equity could speed up the valuation timing  when mortgaging with Halifax.

Property Type:

The property type will be one of the main factors  that decide the mortgage application speed . For example, Freehold properties could pass the desktop valuation faster than leasehold.

Income Type:

Your income verification could be time consuming. Having an employed income compared to a self-employed income could speed up the mortgage process.

Pros and Cons of Choosing a Halifax 2-Year Fixed Deal

Choosing a Halifax fixed rate mortgage can have some advantages. But, like many financial products, it has its own drawbacks too. Always check what works out better for your situation by comparing (or have your mortgage broker compare) the do’s and don’ts.

Advantages:

• Competitive rates from Halifax for 2 years
• Free valuation and legal from Halifax for 2 years remortgage.
• Range of products to choose from .
• Fixed monthly payments.
• Security form rate increases
• Different terms to suit a monthly budget.

Disadvantages:

• If a new rate is not secured on time then the variable rate is expensive.
• Shorter term fixed rates
• Added cost like product fees to pay after fixed term ends.
• If you pay off the mortgage early then you may incur early repayment charges.
• Longer term mortgages miss out on rate reductions.

What  is the Eligibility Criteria for a Halifax 2-Year Fixed Mortgage?

While finding a Halifax fixed rate mortgage, certain key criteria must be met by borrowers to secure the Halifax fixed rate mortgage.

• Good credit history is a must have.
• Income and affordability checks mut be met.
• And a certain Minimum loan to value of the chosen product.

Understanding Fees and Charges of a Halifax Fixed Rate Mortgage.

Halifax fixed mortgages rates have certain fees which involve:

Halifax mortgage product fees – which can be added to the loan or paid upfront.

Halifax fixed mortgage rate valuation fees for purchase applications.

Halifax mortgage early repayment charges 2-year fix if the mortgage is paid off before the end of the fixed term.

Types of Halifax Mortgages 

1. Fixed‑Mortgages

Interest rate stays the same for a fixed period (2, 5, even up to 10 years).

You get peace of mind your monthly payments won’t suddenly jump even if market rates do

Ideal for first‑time buyers and home owners wanting stability and budgeting ease.

2. Tracker Mortgages

This tracks the Bank of England base rate plus a percentage from bank.

If rates go down, your payments could go down and rate goes up, payment goes up, so it’s great for borrowers okay with some unce

Perfect for those who can tolerate a bit of fluctuation and want to take advantage of dips.

3. Standard Variable Rate

This is bank own rate plus bank of England base rate comes into effect after the fixed term mortgage ends.

Quick access and flexibility, no early‑repayment penalties, but monthly payments are on the higher side compared to fixed rate and tracker.

4. Interest‑Only & Repayment Mortgages

Repayment Mortgage: you pay both interest and capital each month, so your mortgage is paid off by the end of the term.

Interest Only mortgage: you pay only interest per month and must repay the full capital at the end, typically through savings or investments or downsizing the property.

Frequently Asked Questions:

Is a Halifax 2-Year Fixed Mortgage Suitable for You?

Whether you are looking for a Halifax 2 year fixed mortgage for first time buyers or for Halifax’s 2 year fixed remortgage deals, your mortgage broker can advise you on what is the most suitable for your circumstances .

First-Time Buyers  can benefit from fixed rates for 2 years as they may need certainty of monthly mortgage payments. They also have options for Remortgaging after their fixed term ends onto a Halifax 2-Year Fixed rate.

There is also the Suitability for Home Movers who are planning to move home in the future as Halifax offers mortgage porting.

What Happens After Your Halifax 2-Year Fixed Term Ends?

At the end  of the 2 years fixed term mortgage, Halifax mortgage borrowers can switch to Halifax’s 2 year fixed remortgage deals. Halifax offers competitive rates for remortgages. Your mortgage broker can help find the best Halifax remortgage rates.

Why Choose MariannaFS as Your Fee-Free Mortgage Broker for a Halifax mortgage?

Our Expertise with Halifax Mortgage Products and all their criteria will make your application quick and smooth.  MariannaFS offer Fee-Free mortgage advice and Service with excellent ratings. Our brokers offer  personalised advice for borrowers as per their circumstances.

What rates are available for Halifax mortgage porting?

As an existing mortgage borrower with Halifax, you can port your mortgage to a new property.  Halifax will allow you to keep the same rate when you port Halifax mortgage. If additional borrowing is required then that can be selected  from the existing borrower’s range.

In a nutshell, as a  mortgage borrower you always want to have the best mortgage deal and as a mortgage broker our job is to help you to find the best Halifax mortgage rates suitable to your situation. Always work with a fee-free mortgage broker rather than going directly to a bank which could save you time and money in the long run.

Related Mortgage Guides

Halifax Product Transfer

Halifax Mortgage Decline

Halifax Mortgage Porting

Halifax Remortgage Guide

Halifax Mortgage Affordability 

Halifax Self Employed Mortgage 

Halifax Mortgage – How Much Can I Borrow?

Mortgage Application Time Through Mortgage Broker