Fixed rate mortgages - up to 60% LTV

Buying a home can be expensive, so to give you a little extra help when you really need it, we'll pay half your first years's council tax (up to £750) when you take out one of our Halifax mortgages to buy a home.

If you're looking for peace of mind that the interest rate you pay won't change, a fixed rate mortgage could be the perfect deal for you.

Don't forget you can add the product fee on to your mortgage on completion but interest will be charged.

Back to first time buyers

Your home may be repossessed if you do not keep up repayments on your mortgage.

2 year fixed rate mortgages (available on loans below £500,000)
Mortgage rates discounted for Halifax Rewards Current Account Customers**
Initial  rate	Followed by the SVR^, (currently 3.50%) for the remainder of the term from	The overall cost for comparison is	Product fee
3.59%	30 June 2012	3.7 APR	£995	Book an appointment
3.89%	30 June 2012	3.7% APR	£495	Book an appointment
Mortgage rates for non-Halifax Rewards Customers - Find out how to get a better rate
Initial  rate	Followed by the SVR^, (currently 3.50%) for the remainder of the term from	The overall cost for comparison is	Product fee
3.89%	30 June 2012	3.7% APR	£995	Book an appointment
4.19%	30 June 2012	3.8% APR	£495	Book an  appointment
^ SVR = Standard Variable Rate If you want to pay off all or part of the mortgage during the initial discount period, early repayment charges of 3% until 30/06/2011 and 2% until 30/06/2012 will apply to all the 2 year fixed rate mortgages on this page.

Top^

3 year fixed rate mortgages (available on loans below £500,000)
Mortgage rates discounted for Halifax Rewards Current Account Customers**
Initial  rate	Followed by the SVR^, (currently 3.50%) for the remainder of the term from	The overall cost for comparison is	Product fee
4.49%	30 June 2013	4.1% APR	£995	Book an appointment
4.79%	30 June 2013	4.1% APR	£495	Book an appointment
Mortgage rates for non-Halifax Rewards Customers - Find out how to get a better rate
Initial  rate	Followed by the SVR^, (currently 3.50%) for the remainder of the term from	The overall cost for comparison is	Product fee
4.79%	30 June 2013	4.1% APR	£995	Book an appointment
5.09%	30 June 2013	4.2% APR	£495	Book an  appointment
^ SVR = Standard Variable Rate If you want to pay off all or part of the mortgage during the initial discount period, early repayment charges of 3% until 30/06/2011 and 2% until 30/06/2013 will apply to all the 3 year fixed rate mortgages on this page.

Top^

Top^

*First time buyer incentives include:

• A refund of your valuation fee (level 1 valuation up to a maximum of £430)
• No conveyancing fees (you must still pay disbursements)~
• £500 cashback to spend how you wish
  

5 year fixed rate mortgages (available on loans below £500,000)
Mortgage rates discounted for Halifax Rewards Current Account Customers**
Initial  rate	Followed by the SVR^, (currently 3.50%) for the remainder of the term from	The overall cost for comparison is	Product fee
5.19%	30 June 2015	4.5% APR	£995	Book an appointment
5.49%	30 June 2015	4.6% APR	£495	Book an appointment
Mortgage rates for non-Halifax Rewards Customers - Find out how to get a better rate
Initial  rate	Followed by the SVR^, (currently 3.50%) for the remainder of the term from	The overall cost for comparison is	Product fee
5.39%	30 June 2015	4.6% APR	£995	Book an appointment
5.69%	30 June 2015	4.7% APR	£495	Book an appointment
^ SVR = Standard Variable Rate If you want to pay off all or part of the mortgage during the initial discount period, early repayment charges of 5% to 30/06/2011, 4% to 30/06/2012 and 3% to 30/06/2015 will apply to all the 5 year fixed rate mortgages on this page.

The complete by date for all mortgages on this page is 30th September 2010..

Top^

~The "No conveyancing fees" feature of this mortgage product is only available when you instruct one of our First Time Buyer panel solicitors to act for you on this transaction. We have a financial arrangement with our First Time Buyer panel, and we pay £250 plus vat to them as a contribution to their fees on completion of the transaction. This amount is intended to cover their fees for the purchase conveyancing, but you will have to pay other fees and disbursements to them. The firm will write to you detailing these fees and disbursements and making clear what you will be responsible for . Please note that you are not obliged to use the panel firm, and can instruct a solicitor of your choice. However, if you do choose another firm, we will not make any contribution to their fees and you will have to choose a different product. This statement is made in compliance with The Solicitors Code of Conduct 2007.

**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 Current Account.

Council tax offer must complete within 6 months. One claim per property. This offer will not affect eligibility for council tax benefit.

Your home may be repossessed if you do not keep up repayments on your mortgage

Back to first time buyers

Need a little extra help?

Speak to one of our Mortgage Advisers:

• 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.