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Fixed rate mortgages - over 75% LTV
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.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
| 2 year fixed rate mortgages - 85% to 90% LTV | |||||
| Initial rate |
Followed by the SVR^, (currently 3.50%) for the remainder of the term from |
The overall cost for comparison is |
Product fee | Repayment method |
|
| Available on loans below £1,000,000 | |||||
| 6.79% | 30 September 2012 | 4.4% APR | £497 (was £995) |
Repayment |  |
| ^ 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 30/09/2011 and 2% until 30/09/2012 will apply to all the 2 year fixed rate mortgages on this page. |
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| 3 year fixed rate mortgages - 85% to 90% LTV | |||||
| Initial rate |
Followed by the SVR^, (currently 3.50%) for the remainder of the term from |
The overall cost for comparison is |
Product fee | Repayment method |
|
| Available on loans below £1,000,000 | |||||
| 6.59% | 30 September 2013 | 4.6% APR | £497 (was £995) |
Repayment | |
| ^ 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 30/09/2011 and 2% until 30/09/2013 will apply to all the 3 year fixed rate mortgages on this page. |
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| 3 year fixed rate mortgages - up to 90% LTV | ||||||
| Initial rate |
Followed by the SVR^, (currently 3.50%) for the remainder of the term from |
The overall cost for comparison is |
Product fee | Repayment method |
Benefits | |
| Available on loans below £2,000,000 † | ||||||
| 6.79% | 30 September 2013 | 4.6% APR | £247 (was £495) |
Repayment | Yes+ | |
| ^ 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 30/09/2011 and 2% until 30/09/2013 will apply to all the 3 year fixed rate mortgages on this page. |
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+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
The complete by date for all mortgages on this page is 31st December 2010.
Find out more about your options for repaying a mortgage
†First time buyers applying for mortgage deals with a loan to value greater than 85%, up to a maximum of 90%, need to open or already hold a salary funded Halifax/Bank of Scotland current account.
~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.
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 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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