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Halifax Mortgage Rates

Like most banks, Halifax tries to attract new clients for mortgages by offering attractive rates. To get the best mortgage rates you will need a larger deposit or equity, a good income and a clean credit history.

Halifax offers 2 years of a fixed rate mortgage, or 5 years of a fixed rate mortgage or even a tracker rate mortgage for first time buyers, home movers and those who are remortgaging .

The interest rate offered depends on the property price and the outstanding loan amount. If you work with a Halifax mortgage broker they can make sure you have the best remortgage deal that’s most suitable to you.

What types of mortgages do Halifax offer?

As a main high street lender Halifax offers a range of mortgages for all types of mortgage borrowers which includes,

Halifax first time buyer mortgages up to 95% LTV.

Halifax remortgage rates 90% LTV.

Halifax home mover mortgages 85% LTV.

Halifax 2 years fixed rate mortgages.

Like other lenders, Halifax offers 2 years of a fixed rate for new and existing customers. To get the best Halifax mortgage rates you will need an excellent credit history and a higher amount in deposit.

More equity in the property reduces the loan to value, resulting in better interest rates offered by Halifax.

Halifax’s best mortgage rates are usually only available through mortgage brokers, that is why working with a fee free mortgage broker is advisable, as it will cost you no money while providing you with the finest deal there is.

best first time buyer rate with 60% LTV.

Term	Rate	Fees	LTV
2 years			60%
2 years			60%
5 years			60%
5 years			60%

best rate with 75 % loan to value

Term	Rate	Fees	LTV
2 years			75%
2 years			75%
5 years			75%
5 years			75%

Halifax’s 2 year & 5 year fixed rate mortgages for first time buyers.

As a first-time buyer, many borrowers want to borrow the maximum they can, as they have a limited deposit saved. The Halifax 95% loan to value range for first time buyers offers an attractive mortgage rate.

Below is the best of Halifax’s 2 year and 5 year rate. Check out our mortgage rates comparison for up to date mortgage rates.

Halifax fixed rate mortgage 95% LTV

Term	Rate	Fees	LTV
2 years			95%
2 years			95%
5 years			95%
5 years			95%

Halifax fixed rate mortgage 90% LTV

Check out Halifax’s mortgage rates for borrowers looking to purchase with a 10% deposit and 90% loan to value.

Term	Rate	Fees	LTV
2 years			90%
2 years			90%
5 years			90%
5 years			90%

Halifax fixed rate mortgage 85 % LTV

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.

Term	Rate	Fees	LTV
2 years			85%
2 years			85%
5 years			85%
5 years			85%

Halifax fixed rate mortgage 75% LTV

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

Term	Rate	Fees	LTV
2 years			75%
2 years			75%
5 years			75%
5 years			75%

Halifax fixed rate mortgage 60 % LTV

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.

Term	Rate	Fees	LTV
2 years			60%
2 years			60%
5 years			60%
5 years			60%

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

Term	Rate	Fees	LTV
2 years			90%
2 years			90%
5 years			90%
5 years			90%

Halifax’s fixed remortgage rates for 2 year 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 Halifax.

Halifax’s fixed remortgage rates with 90% LTV

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.

Term	Rate	Fees	LTV
2 years			90 %
2 years			90 %
5 years			90 %
5 years			90 %

Halifax’s fixed remortgage rates with 85% LTV

Term	Rate	Fees	LTV
2 years			85 %
2 years			85 %
5 years			85 %
5 years			85 %

Halifax’s fixed remortgage rates with 75 % LTV

Term	Rate	Fees	LTV
2 years			75 %
2 years			75 %
5 years			75 %
5 years			75 %

Halifax’s fixed remortgage rates with 60% LTV

Term	Rate	Fees	LTV
2 years			60 %
2 years			60 %
5 years			60 %
5 years			60 %

How to apply for a Halifax mortgage?

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

Mortgage brokers can compare the mortgage rates from Halifax 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 best Halifax 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.

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.

What are the pros & cons of a Halifax fixed rate mortgage?

Choosing a 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:

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.
If you pay off the mortgage early then you may incur early repayment charges.
Longer term mortgages miss out on rate reductions.

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.

Halifax Fixed Rate Mortgages Call us on 02080902043 Submit the form Halifax Mortgages Deals Check latest Halifax rates and get in touch for no fee mortgage advice.