How to switch your mortgage deal

Am I eligible to switch?

Can I arrange a new mortgage deal?
As long as you have an existing Halifax mortgage you can arrange a new mortgage deal with us.

When can I switch?
You can arrange your new deal now (subject to eligibility) – as long as you’re paying interest on your mortgage at the Halifax Standard Variable Rate or Halifax Homeowner Variable Rate, or your current deal is due to end in the next three months. If not, you can still switch, but you might have to pay an Early Repayment Charge.

More about switching and the deals we offer

What interest rate will I be charged?
This depends on what kind of mortgage deal you have. Take a look at the deals we offer, or use our mortgage calculator to get an idea of what you could be paying every month.

Are there any fees?
This depends on the mortgage deal you choose – some come with product fees. Take a look at the options available.

Applying for a new deal

How do I switch to a new deal?
We’ve made switching your mortgage to a new deal quick and easy. First, have a look at the various deals we offer and use our mortgage calculator to narrow down your choices. Then, click the ‘Apply now’ button next to the deal you’re interested in. 

Once we’ve received your details, one of our mortgage experts will call you near to the time that you’ve specified on your application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE