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Common new mortgage enquiries
Choosing a mortgage type and rate suitable for you
When to organise your mortgage
Mortgages for people who are self employed?
Arrange to see a Mortgage Adviser
Mortgages for holiday homes / property overseas
Self Build Mortgages/Building Mortgages
Choosing a Mortgage type and rate suitable for you
We have a comprehensive range of mortgages to suit your needs, but choosing the right one to suit you may not be that straightforward. To help make your decision easier, we have an online Mortgage Calculator or if you'd prefer to speak to one of our dedicated mortgage experts, simply call them on 08458 50 37 05. Lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.
This will depend on your circumstances and your monthly financial commitments. You can get an estimate of how much you can borrow using our affordability calculator.
If you have a particular amount in mind, you could apply for an online Mortgage Promise to see if we could lend you the money.
Halifax now offer a range of Buy to let mortgages, so if you've considered purchasing a property to let, or investing for the longer term, then we could help.
Take a look at our range of products online or if you prefer, call one of our experienced mortgage experts for more information on 0845 125 8637.
APR stands for 'Annual Percentage Rate' and is the rate you actually pay for your mortgage. An APR allows you to compare different mortgage deals, and takes into account:
- The interest rate (the initial rate plus subsequent rates)
- Any fees and charges e.g. product fees
- Length of the mortgage
When to organise your mortgage
Normally the mortgage is arranged once you've had an offer on a property accepted. However, you may find it useful to know how much you can borrow in advance, so you can find a property in your price range.
You can do this with a Mortgage Promise, either online or over the phone. This tells you how much we could lend you (subject to a satisfactory valuation of the property and the information you provide us being correct).
Once you've had an offer accepted on the property you want, you'll need to contact us again so you can make a full mortgage application.
We offer a variety of mortgage deals with varying deposit amounts, starting at a minimum of 10% for properties up to £555,555. As a guide, people usually put down between 10-15%.
When applying for a new mortgage, you may be asked to provide proof of income. Acceptable documentation includes wage/salary slips or if you are self-employed, 3 years accounts.
For more information call 08458 50 37 05. Lines are open 8am to 8pm Monday to Friday, 9am to 4pm Saturday.
Mortgages for people who are self employed?
We offer mortgages to the self-employed, although we may need to see some additional information, for example, evidence of earnings, accounts etc.
Please speak with one of our dedicated mortgage experts on 08458 50 37 05 for more information. Lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.
Arrange to see a Mortgage Adviser
A mortgage is likely to be your biggest financial commitment, so we would always recommend you see one of our specialist Mortgage Advisers. They can help you decide which mortgage is best for you, and answer your more detailed questions.
Call 08458 50 37 05 and we'll book an appointment at a branch and time convenient for you.
Mortgages for holiday homes / property overseas
Halifax do not offer mortgages on properties overseas. However Banco Halifax Hispania offers mortgages on properties in Spain and Bank of Scotland (Ireland) offers mortgages in the Republic of Ireland. Both are part of the HBOS Group.
Buying properties overseas is subject to any laws and restrictions applicable in that country.
The Halifax House Price Index is based on the lending of the UK's largest mortgage lender and provides the longest unbroken data series of any UK housing index.
Find out more at House Price Index .
In view of the housing difficulties in some areas, it has become difficult to recruit essential staff, (referred to as key workers). These include teachers, health workers, police and firemen.
The Government set up the key worker home initiative to help employees in these occupations buy their first home. The assistance is directed at key workers in London, the South East and hot spots in Eastern and South Western England.
For more information visit the housing corporation.
Self Build Mortgages/Building Mortgages
These are designed for customers who wish to build a property on land they own or customers who wish to buy a property in the course of construction, but are unable to finance the whole construction from their own resources. For further information call 08458 50 37 05. Lines are open 8am to 8pm Monday to Friday, 9am to 4pm Saturday.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Call us now on 08458 50 37 05. Lines are open (Mon-Fri 8am to 8pm, Sat 9am-4pm)
