What rate applies when my current deal ends?

• This is the rate you’ll move onto at the end of any mortgage deal you applied for before 4 January 2011, unless you decide to switch to a new deal instead (subject to eligibility) when your current one ends.
• This is a rate managed and set by Halifax.
• It’s a variable rate, so your payments can go up and down.

• The Halifax Homeowner Variable Rate applies at the end of Halifax mortgage deals applied for on or after 4 January 2011, except for buy-to-let mortgages. 
• This is a rate managed and set by Halifax.
• It’s a variable rate, so your payments can go up and down.

• For buy to let mortgages, after the initial mortgage deal has come to an end, the rate that will apply to your mortgage will be a tracker rate with a margin of 4.34% above the Bank of England Bank Rate.
• It’s a tracker rate, so your payments can go up and down in line with changes in the Bank of England Bank Rate,  but the margin won't change (unless your tracker rate would fall below zero, in which case, your interest rate will be zero).

If you are still unsure about which rate you will move on to, details can be found in your mortgage documentation, or you can call us to discuss your mortgage on 0845 602 9717 between 8am and 8pm Monday to Friday, and 9am to 4pm on Sundays.