Managing and servicing your mortgage

To make extra regular payments please visit your nearest branch, or call 0845 602 9717.

If your current mortgage is not subject to an Early Repayment Charge (ERC) you could make unlimited overpayments to your mortgage. If your current mortgage is subject to an ERC you can still overpay by up to 10% of the amount of your mortgage that is subject to an ERC during any 12 month rolling period without incurring the charge. 

To make a one off lump sum payment please visit your nearest branch, or call 0845 602 9717.

If your current mortgage is not subject to an Early Repayment Charge (ERC) you could make unlimited overpayments to your mortgage. If your current mortgage is subject to an ERC you can still overpay by up to 10% of the amount of your mortgage that is subject to an ERC during any 12 month rolling period without incurring the charge. Your monthly mortgage payment will be recalculated following your lump sum payment. However, if you want to continue to pay the same monthly payment we can recalculate the remaining mortgage term.

To apply for additional borrowing on your existing mortgage, take a look at the range of mortgages for borrowing more. Alternatively visit your nearest branch or call us 08458 50 37 05.

For further information, go to our help for customers borrowing more.

To switch to a new deal if your current deal is about to end or you’re on Halifax Standard Variable Rate or Halifax Homeowner Variable Rate, take a look at our range for customers looking to switch to a new deal. Alternatively, visit your nearest branch or call us on 08458 50 37 05. If you are currently on our Standard Variable Rate and decide to change to a new mortgage deal, you won’t be able to move back to our Standard Variable Rate when that deal ends. If your current deal would revert to the Halifax Standard Variable Rate, and you decide to switch to a new deal, you won't go on to the Halifax Standard Variable Rate at the end of the new deal.

For more information or if you have a question about switching to a new deal have a look at our help for customers switching to a new deal. 

Change your payment method to repayment or interest only.

To change to interest only you will be required to provide us with evidence of your repayment plan.

Call 0845 602 9717. Find out more about the different ways of repaying your mortgage.  

A mortgage payment holiday means you could take a break from paying your mortgage for up to six months over the life of your mortgage. They are available for a variety of reasons usually to assist with a temporary change to your circumstances like a change in employment, maternity leave or unexpected or unforeseen vehicle or household expenditure. There are qualifying criteria for a mortgage payment holiday like the length of time you have had your mortgage and your loan to value.

Although mortgage payment holidays may help in the short term, interest will still accrue and any missed payments will need to be made up over the remainder of the mortgage term, meaning that your contractual monthly payments will increase.

To find out if you qualify or to request a mortgage payment holiday call 0845 602 9717 or visit your nearest branch. 

To find out the balance of your mortgage you can use our online banking service to check this. If you’re already registered for this service simply add your mortgage to My Accounts and the balance will show on the account summary screen.

The balance is not a final settlement figure so if this is what you need call 0845 602 9717 or visit your nearest branch. 

In certain circumstances you may be able to rent out your house if you meet the qualifying criteria.

To find out if you’re eligible, call 08458 50 37 05. Lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.  

If you share the mortgage with another person and want to transfer the mortgage into one name, or if you want to add another name to your mortgage, then you will need to arrange a branch appointment.

To arrange a branch appointment call 0845 602 9717.  Lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.