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Fixed rate mortgages - less than 25% deposit
If you’ve got a Halifax current account and have £1,000 or more a month paid into it, you could apply for our best mortgage rates. These are the rates shown here**. But don’t worry if you don’t currently have a Halifax current account, you can still apply for these rates and we can arrange to open a Halifax current account for you.
Alternatively, for details about mortgages available if you don't bank with us, call 08458 50 37 05 or visit a branch.
For Halifax bank account customers (or customers opening a new bank account with us), we're offering free purchase conveyancing on selected home mover mortgages on this page.~
2 year fixed rate mortgages 3 year fixed rate mortgages
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
| 3 year fixed rate mortgages (fixed until 30th September 2013) | |||||
| Initial rate |
Rate thereafter | The overall cost for comparison is |
Product fee | Repayment method |
|
| Available on loans below £1,000,000, with a deposit of 15% to 25% | |||||
| 5.99% | Standard Variable Rate, currently 3.50% | 4.4% APR | £995 | Repayment |  |
| Available on loans below £1,000,000, with a deposit of 10% to 15% | |||||
| 6.59% | Standard Variable Rate, currently 3.50% | 4.6% APR | £995 | Repayment | |
| Available on loans below £500,000, with a deposit of 15% to 25% | |||||
| 6.19% | Standard Variable Rate, currently 3.50% | 4.4% APR | £995 | Interest Only | |
| If you want to pay off all or part of the mortgage during the initial discount period, early repayment charges of 3% until 30/09/2011 and 2% until 30/09/2013 will apply to all the 3 year fixed rate mortgages on this page. | |||||
The complete by date for all the mortgages on this page is 31st December 2010.
Find out more about your options for repaying a mortgage
**To qualify for these rates you must pay £1,000 or more each month into your current account with us or hold an Ultimate Reward Currrent Account.
~The free purchase conveyancing must be arranged through Halifax Conveyancing Service. It includes the basic legal fee for the purchase, the fee for the legal work done on behalf of the lender, and any leasehold supplement. It does not include fees for additional work outside the scope of a standard property purchase, administration for Stamp Duty Land Tax, or any disbursements (e.g. search fees). A Halifax bank account customer must pay £1,000 or more into their Halifax bank account each month, or have an Ultimate Reward Current Account. If you haven't got your current account with Halifax, click here to find out about our great range of bank accounts.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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Need a little extra help?
Speak to one of our mortgage experts:
- By phone - Call us on 08458 50 37 05
- Apply at your local branch – To arrange an appointment with a professionally qualified Mortgage Adviser, call us on 0845 602 9717 and select option 5 followed by option 3. Or find your nearest branch and contact them to book an appointment.
Our A-Z mortgages glossary could provide you with more information on mortgages and the mortgage process.
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