Fixed rate mortgages up to 80% LTV
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.
Key points to consider when applying for additional borrowing:
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You need to have had a Halifax mortgage for more than 6 months to be able to apply for additional borrowing. Also, your payments must have been up-to-date for the three months before you apply. | |||
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Generally, the minimum you can borrow is £5,000 – but some products may have a higher minimum loan amount, so check our product pages before applying. | |||
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The maximum that you can borrow in total with the existing mortgage and additional borrowing is 80% of the value of your property. | |||
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Additional borrowing is subject to valuation, income, affordability and credit checks – it may be worth checking with a credit agency before contacting us. | |||
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You can add the product fee on to your mortgage on completion but interest will be added. | |||
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There is a £99 further advance arrangement fee. You can pay this up front or add it on to the loan, it’s up to you. If you add the fee on to the loan you will be charged interest. | |||
If you are a customer with interest-only borrowing and require additional borrowing see Interest-Only for our requirements. Should you wish to transfer from interest-only to repayment call 0845 602 9717 or make an appointment at your local branch.
Only available if you have a Halifax mortgage
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
| Rates available in branch, online or 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 | LTV | Early Repayment Charges until | Loan amount | Repayment method | |
| 2 years | 5.19% | Currently 3.99% | 31/03/2014 | 4.4% APR | £895 | 0-60% | 31/03/2014 | £5k - £7.5m | Repayment |  |
| 2 years | 5.19% | Currently 3.99% | 31/03/2014 | 4.4% APR | £895 | 0-60% | 31/03/2014 | £5k - £7.5m | Interest Only | |
| 2 years | 5.29% | Currently 3.99% | 31/03/2014 | 4.4% APR | £895 | 60-75% | 31/03/2014 | £5k - £7.5m | Repayment | |
| 2 years | 5.29% | Currently 3.99% | 31/03/2014 | 4.4% APR | £895 | 60-75% | 31/03/2014 | £5k - £7.5m | Interest Only | |
| 2 years | 5.39% | Currently 3.99% | 31/03/2014 | 4.4% APR | £895 | 75-80% | 31/03/2014 | £5k - £7.5m | Repayment | |
| 2 years | 5.39% | Currently 3.99% | 31/03/2014 | 4.4% APR | £895 | 75-80% | 31/03/2014 | £5k - £7.5m | Interest Only | |
| 3 years | 5.99% | Currently 3.99% | 31/03/2015 | 4.7% APR | £0 | 0-60% | 31/03/2015 | £5k - £7.5m | Repayment | |
| 3 years | 5.99% | Currently 3.99% | 31/03/2015 | 4.7% APR | £0 | 0-60% | 31/03/2015 | £5k - £7.5m | Interest Only | |
| 3 years | 6.09% | Currently 3.99% | 31/03/2015 | 4.7% APR | £0 | 60-75% | 31/03/2015 | £5k - £7.5m | Repayment | |
| 3 years | 6.09% | Currently 3.99% | 31/03/2015 | 4.7% APR | £0 | 60-75% | 31/03/2015 | £5k - £7.5m | Interest Only | |
| 3 years | 6.19% | Currently 3.99% | 31/03/2015 | 4.8% APR | £0 | 75-80% | 31/03/2015 | £5k - £7.5m | Repayment | |
| 3 years | 6.19% | Currently 3.99% | 31/03/2015 | 4.8% APR | £0 | 75-80% | 31/03/2015 | £5k - £7.5m | Interest Only | |
Our rates are only guaranteed for applications made today. We reserve the right to change our product range at any time.
These products are available for additional borrowing applications only. Customers who are looking to transfer their existing mortgage onto a new deal can select a product from our range of mortgage deals for existing Halifax customers.
Additional borrowing applications will not be permitted within 6 months of completion of the original mortgage.
The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
This information does not contain all of the details you need to choose a mortgage. Make sure that you read the separate key facts illustration before you make a decision.
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.
