Fixed rate mortgages
Choose a fixed rate mortgage which is set at a certain interest rate for a fixed period of time.
If you pay £1,000 or more into your current account with us each calendar month, or hold a Halifax Ultimate Reward Current Account, we will reward you with £150 cash back when you take out a new Halifax home mover mortgage, paid through your conveyancer at completion. This is just one of the offers available through Halifax Rewards, our range of better deals for current account customers. Some exclusions apply**.
Don’t worry if you don’t currently have a Halifax current account, as you can still qualify for this cash back reward by switching your current account to us through our dedicated Switching Service and then meeting one of the current account conditions above.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Fixed rates are set at a certain interest rate until a fixed date.
During the fixed rate period, your mortgage payments won't change when the Bank of England Bank Rate changes, provided the full monthly payment has been received each month and there have been no additional charges or premiums made to your account. Generally speaking, the longer the fixed period, the higher the interest rate.
Compare the fixed rate deals available to first time buyers by using the tabs above.
Fees and charges
Setting up a mortgage takes much more than just working out what you'll pay each month – you'll need to pay a conveyancer and a surveyor, and there may be other fees you'll need to be aware of. To try and help you plan ahead, we’re giving you an estimate below of the costs involved:
| Name | Summary | Amount |
| Product fee | A fee we charge to cover the cost of setting up your mortgage. | This fee varies and will be listed as part of the details of a product. |
| Valuation fee | The valuation fee is paid to cover an inspection of the property to ascertain its acceptability to the lender as security against the mortgage loan. The level of fee varies with the value of the property, and whether you choose to have a Mortgage Valuation, Home-Buyer's Report or Building Survey. | The fee varies with the value of the property. |
| Mortgage account fee | The Mortgage account fee is charged to cover the setting up, routine maintenance and eventual closing down of your mortgage. | £265 |
| Legal work | You will need to pay your solicitor to cover the cost of their work. | Your solicitor should give you an estimate of the costs involved. |
| Stamp duty land tax | If you are buying a leasehold or freehold property, where the purchase will complete before 25 March 2012 and the purchase price is more than £250,000, then you will need to pay Stamp Duty Land Tax of between one and four percent. From 25 March 2012 Stamp Duty Land Tax will apply to purchases where the purchase price is £125,000 or more. | Between one and four percent of the agreed purchase price. |
| The following two fees are not applicable in all cases, but you should be aware that they may apply. | ||
| Property re-inspection fee | We charge this fee where a re-inspection of the property is necessary after the initial valuation is carried out e.g. when we are asked to release money that we have held back. | £70 |
| Mortgage advance by CHAPS | When you and your conveyancer are ready to complete your mortgage, our standard procedure is to transfer the money, free of charge, through a banking system called BACS. If we do not receive 3 days notice, as a special arrangement, we can transfer money through a system called CHAPS. We charge this fee when the CHAPS system is used. | £20 |
Please take a look at our mortgage fees page for more information about the fees you will, or may, have to pay during the course of setting up your mortgage.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
** Halifax Rewards is available to Halifax personal banking customers who take out a Halifax qualifying product. Current accounts are subject to status to customers aged 18 or over who are resident in the UK.
Need a little extra help?
Mortgages at a glance
- Fixed vs. tracker rate
- Repayments vs. interest only and your options for repaying a mortgage
- The different product fee options
- Our A-Z mortgages glossary could provide you with more information on mortgages and the mortgage process.
Speak to one of our mortgage experts:
- By phone - Call us on 08458 50 37 05. Our opening hours are 8am - 8pm Mon to Fri, 9am - 4pm Sat.
- Book an appointment - Talk face to face with a qualified mortgage adviser.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
| Rates available in branch, online and over the phone | ||||||||||
| Term [?] | Initial rate [?] | Halifax Homeowner Variable rate thereafter [?] | For the remainder of the term from [?] | The overall cost for comparison is [?] | Product fee [?] | Deposit [?] | Early Repayment Charges until [?] | Loan amount [?] | Repayment method [?] | |
|---|---|---|---|---|---|---|---|---|---|---|
| 2 years | 4.84% | Currently 3.99% | 31/08/2014 | 4.4% APR | £495 | 15-25% | 31/08/2014 | £0-£1m | Repayment |
 |
| 2 years | 6.29% | Currently 3.99% | 31/08/2014 | 4.6% APR | £0 | 10-15% | 31/08/2014 | £106,250-£1m | Repayment |
|
| 2 years | 6.29% | Currently 3.99% | 31/08/2014 | 4.7% APR | £995 | 10-15% | 31/08/2014 | £0-£1m | Repayment |
|
| 3 years | 4.89% | Currently 3.99% | 31/08/2015 | 4.5% APR | £995 | 15-25% | 31/08/2015 | £0-£1m | Repayment | |
| 3 years | 6.24% | Currently 3.99% | 31/08/2015 | 4.9% APR | £995 | 10-15% | 31/08/2015 | £0-£1m | Repayment | |
| 4 years | 5.44% | Currently 3.99% | 31/08/2016 | 4.8% APR | £995 | 15-25% | 31/08/2016 | £0-£1m | Repayment | |
| Loans over £1 million | ||||||||||
| Term [?] | Initial rate [?] | Halifax Homeowner Variable rate thereafter [?] | For the remainder of the term from [?] | The overall cost for comparison is [?] | Product fee [?] | Deposit [?] | Early Repayment Charges until [?] | Loan amount [?] | Repayment method [?] | |
|---|---|---|---|---|---|---|---|---|---|---|
| 2 years | 4.14% | Currently 3.99% | 31/08/2014 | 4.3% APR | £1,499 | 20-40% | 31/08/2014 | £1m-£7.5m | Repayment | |
Our rates are only guaranteed for applications made today. We reserve the right to change our product range at any time.
** Halifax Rewards is available to Halifax personal banking customers who take out a Halifax qualifying product. Current accounts are available subject to status to customers aged 18 or over who are resident in the UK.
If you also save with us for your first home, you might be eligible for a reward when you take out a Head Start Home Saver mortgage from our dedicated First Time Buyer range. This deal is only available in branch or over the phone.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Need a little extra help?
Mortgages at a glance
- Fixed vs. tracker rate
- Repayments vs. interest only and your options for repaying a mortgage
- The different product fee options
- Our A-Z mortgages glossary could provide you with more information on mortgages and the mortgage process.
Speak to one of our mortgage experts:
- By phone - Call us on 08458 50 37 05. Our opening hours are 8am - 8pm Mon to Fri, 9am - 4pm Sat.
- Book an appointment - Talk face to face with a qualified mortgage adviser.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
| Rates available in branch, online and over the phone | ||||||||||
| Term [?] | Initial rate [?] | Halifax Homeowner Variable rate thereafter [?] | For the remainder of the term from [?] | The overall cost for comparison is [?] | Product fee [?] | Deposit [?] | Early Repayment Charges until [?] | Loan amount [?] | Repayment method [?] | |
|---|---|---|---|---|---|---|---|---|---|---|
| 2 years | 3.39% | Currently 3.99% | 31/08/2014 | 4.1% APR | £995 | 40% | 31/08/2014 | £0-£1m | Repayment |
|
| 2 years | 3.39% | Currently 3.99% | 31/08/2014 | 4.1% APR | £995 | 40% | 31/08/2014 | £0-£1m | Interest Only |
|
| 2 years | 3.79% | Currently 3.99% | 31/08/2014 | 4.2% APR | £995 | 25-40% | 31/08/2014 | £0-£1m | Repayment |
|
| 2 years | 3.79% | Currently 3.99% | 31/08/2014 | 4.2% APR | £995 | 25-40% | 31/08/2014 | £0-£1m | Interest Only |
|
| 2 years | 3.79% | Currently 3.99% | 31/08/2014 | 4.1% APR | £0 | 40% | 31/08/2014 | £0-£1m | Repayment |
|
| 2 years | 3.79% | Currently 3.99% | 31/08/2014 | 4.1% APR | £0 | 40% | 31/08/2014 | £0-£1m | Interest Only |
|
| 2 years | 4.29% | Currently 3.99% | 31/08/2014 | 4.2% APR | £0 | 25-40% | 31/08/2014 | £0-£1m | Repayment |
|
| 2 years | 4.29% | Currently 3.99% | 31/08/2014 | 4.2% APR | £0 | 25-40% | 31/08/2014 | £0-£1m | Interest Only |
|
| 3 years | 3.89% | Currently 3.99% | 31/08/2015 | 4.2% APR | £995 | 40% | 31/08/2015 | £0-£1m | Repayment | |
| 3 years | 3.89% | Currently 3.99% | 31/08/2015 | 4.2% APR | £995 | 40% | 31/08/2015 | £0-£1m | Interest Only | |
| 3 years | 4.19% | Currently 3.99% | 31/08/2015 | 4.3% APR | £995 | 25-40% | 31/08/2015 | £0-£1m | Repayment | |
| 3 years | 4.19% | Currently 3.99% | 31/08/2015 | 4.3% APR | £995 | 25-40% | 31/08/2015 | £0-£1m | Interest Only | |
| 3 years | 4.29% | Currently 3.99% | 31/08/2015 | 4.2% APR | £0 | 40% | 31/08/2015 | £0-£1m | Repayment | |
| 3 years | 4.29% | Currently 3.99% | 31/08/2015 | 4.2% APR | £0 | 40% | 31/08/2015 | £0-£1m | Interest Only | |
| 4 years | 4.09% | Currently 3.99% | 31/08/2016 | 4.3% APR | £995 | 40% | 31/08/2016 | £0-£1m | Repayment | |
| 4 years | 4.09% | Currently 3.99% | 31/08/2016 | 4.3% APR | £995 | 40% | 31/08/2016 | £0-£1m | Interest Only | |
| 4 years | 4.54% | Currently 3.99% | 31/08/2016 | 4.4% APR | £995 | 25-40% | 31/08/2016 | £0-£1m | Repayment | |
| 4 years | 4.54% | Currently 3.99% | 31/08/2016 | 4.4% APR | £995 | 25-40% | 31/08/2016 | £0-£1m | Interest Only | |
| Loans over £1 million | ||||||||||
| Term [?] | Initial rate [?] | Halifax Homeowner Variable rate thereafter [?] | For the remainder of the term from [?] | The overall cost for comparison is [?] | Product fee [?] | Deposit [?] | Early Repayment Charges until [?] | Loan amount [?] | Repayment method [?] | |
|---|---|---|---|---|---|---|---|---|---|---|
| 2 years | 3.89% | Currently 3.99% | 31/08/2014 | 4.3% APR | £1,499 | 40% | 31/08/2014 | £1m -£7.5m | Repayment | |
| 2 years | 4.14% | Currently 3.99% | 31/08/2014 | 4.3% APR | £1,499 | 20-40% | 31/08/2014 | £1m-£7.5m | Repayment | |
Our rates are only guaranteed for applications made today. We reserve the right to change our product range at any time.
** Halifax Rewards is available to Halifax personal banking customers who take out a Halifax qualifying product. Current accounts are available subject to status to customers aged 18 or over who are resident in the UK.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Need a little extra help?
Mortgages at a glance
- Fixed vs. tracker rate
- Repayments vs. interest only and your options for repaying a mortgage
- The different product fee options
- Our A-Z mortgages glossary could provide you with more information on mortgages and the mortgage process.
Speak to one of our mortgage experts:
- By phone - Call us on 08458 50 37 05. Our opening hours are 8am - 8pm Mon to Fri, 9am - 4pm Sat.
- Book an appointment - Talk face to face with a qualified mortgage adviser.
Our rate tables explained
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Term - The term is the approximate length of your mortgage deal. Depending on when your mortgage starts, the actual term could be slightly longer or shorter than that stated. The exact date this rate will finish can be found in the ‘For the remainder of the term from’ column.
Initial rate - This is the initial rate of interest, which is charged on your mortgage during the fixed-rate deal period. Find out more about fixed rate mortgages.
Halifax Homeowner Variable Rate thereafter - When your initial rate ends you will automatically move onto the Halifax Homeowner Variable Rate (HHVR). When this happens the HHVR could be higher or lower than the initial rate of your mortgage deal. If you do not want to automatically move onto the HHVR you could choose to switch to other mortgage deals available at that time.
For the remainder of the term from - This shows the date that your initial rate finishes and when your mortgage will move onto the Halifax Homeowner Variable Rate, unless you choose to switch to a new deal at that time.
The overall cost for comparison is - This column shows the ‘Annual Percentage Rate’ (APR) for the product. This takes into account all the costs of a mortgage – giving you the ‘overall cost for comparison’. An APR is calculated in a standard way to allow you to compare different mortgage offers, including those from other lenders.
The APR includes important factors such as:
- The initial interest rate you must pay
- How you repay the loan
- The full length of the mortgage term
- Frequency and timing of mortgage payments
- Certain fees associated with the mortgage.
It is important to remember that these APRs are calculated using ‘average’ figures so each individual loan will have a slightly different APR. The actual APR that will apply to your mortgage will be calculated when you get a Key Facts Illustration.
Product fee - This column indicates if the mortgage has a product fee and how much it is for this particular deal. Generally the higher the product fee, the lower the initial interest rate.
Deposit - This is the minimum deposit, or the deposit range, for this rate. The deposit is the amount of money you have to put towards your property, shown as a percentage of the value of the property you are buying - so a £40,000 deposit on a £100,000 property would be 40%. Usually the more deposit you can put in yourself, or the more equity you have, the better the mortgage deal you can get.
Early Repayment Charges until - Some Halifax mortgages may carry charges if you repay, part repay, or switch to a different mortgage within a certain period - these are called Early Repayment Charges. This column shows the date that the charge applies until. The charges will be a percentage of the amount borrowed, though that percentage could be different year-on-year - full details of Early Repayment Charges can be found in your Key Facts Illustration.
Loan amount - This shows the range within which you can apply for borrowing on this mortgage rate. In the above example, you would not be offered the mortgage rate if you wanted to borrow more than £1 million.
Repayment method - This indicates whether a product is available on a repayment or interest only basis. For more information on the different repayment methods, visit our Repaying your mortgage guide.
Extra benefits - This shows any additional benefits available to a particular product.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
** Halifax Rewards is available to Halifax personal banking customers who take out a Halifax qualifying product. Current accounts are subject to status to customers aged 18 or over who are resident in the UK.
Need a little extra help?
Mortgages at a glance
- Fixed vs. tracker rate
- Repayments vs. interest only and your options for repaying a mortgage
- The different product fee options
- Our A-Z mortgages glossary could provide you with more information on mortgages and the mortgage process.
Speak to one of our mortgage experts:
- By phone - Call us on 08458 50 37 05. Our opening hours are 8am - 8pm Mon to Fri, 9am - 4pm Sat.
- Book an appointment - Talk face to face with a qualified mortgage adviser.
