Frequently asked questions - my mortgage isn't with Halifax
Do you provide mortgages for people who are self employed?
When do I need to organise my mortgage?
How do I apply for a mortgage?
How do I arrange an appointment with / see a mortgage adviser?
What types of mortgage do you offer?
Do you offer Buy to Let mortgages?
I have a Mortgage Promise from you and want to move home. What do I do next?
I've had an offer on a house accepted. What do I do next?
Can I get a mortgage to buy a holiday home / property overseas?
Do you provide mortgages for people who are self employed
Yes. You may need to provide some additional information, for example evidence of earnings, accounts etc. 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 2pm on Saturdays.
How much deposit do I need?
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%. To find out more take a look at our fixed andtracker rates for a mortgage deal that suits you and your budget.
When do I need to organise my mortgage?
Normally the mortgage is confirmed once you've had an offer on a property accepted. However, you can find out how much you can borrow and have a mortgage agreed in principle. You can do this with a mortgage promise, either online or over the phone. Once you've had an offer accepted on the property you want, you'll need to contact us again so we can confirm we will lend by issuing you with a mortgage offer.
How do I apply for a mortgage?
It couldn't be easier. Just give us a call on 08458 50 37 05 and you can arrange your mortgage over the phone or we can arrange an appointment for you at your preferred branch. Lines are open 8am to 8pm Monday to Friday and 9am to 2pm on Saturdays.
What is an APR?
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
· Any fees and charges e.g. product fees
· Length of the mortgage
How do I arrange an appointment with / see a mortgage adviser?
To see a Mortgage Adviser, just call 0845 602 9717 and we'll book an appointment at a branch and time convenient for you. Lines are open 8am to 8pm Monday to Friday and 9am to 2pm on Saturdays.
What types of mortgage do you offer?
We offer a comprehensive range of fixed rate and tracker rate.
What are your mortgage rates?
The rates for our range of products available to you can be found on the pages for our fixed rate and tracker rate.
How much can I borrow?
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.
You could apply for an online mortgage promise. 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).
Do you offer Buy to Let mortgages?
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 Halifax could help. Visit our buy to let page.
I have a Mortgage Promise from you and want to move home. What do I do next?
If you already have a Mortgage Promise, once you've had an offer accepted on the house you want to buy, give us a call on 08458 50 37 05 so we can help you get moving as quickly as possible. Lines are open 8am to 8pm Monday to Friday and 9am to 2pm on Saturdays.
I've had an offer on a house accepted. What do I do next?
Once you've had an offer accepted on the house you want to buy, give us a call on 08458 50 37 05 and we'll help you get moving as quickly as possible. Lines are open 8am to 8pm Monday to Friday and 9am to 2pm on Saturdays
Can I get a mortgage to buy a holiday home / property overseas?
Halifax do not offer mortgages on properties overseas. However, Lloyds Bank International S.A.U., part of the Lloyds Banking Group, offers mortgages on properties in Spain.
Buying properties overseas is subject to any laws and restrictions applicable in that country.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
