Fixed rate mortgages - up to 60% LTV

If you’ve got a Halifax current account and have £1,000 or more a month paid into it, you could apply for our best mortgage rates.  These are the rates shown here**. But don’t worry if you don’t currently have a Halifax current account, you can still apply for these rates and we can arrange to open a Halifax current account for you. 

Alternatively, for details about mortgages available if you don't bank with us, call 08458 50 37 05 or visit a branch.

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

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2 year fixed rate mortgages
Initial  rate	Followed by the SVR^, (currently 3.50%) for the remainder of the term from	The overall cost for comparison is	Product fee	Repayment method	Benefits
Available on loans below £1,000,000
3.99%	30 September 2012	3.8% APR	£497 (was £995)	Repayment	Remortgage service - Legal fees and property assessment*
4.29%	30 September 2012	3.8% APR	£247 (was £495)	Repayment	Remortgage service - Legal fees and property assessment*
Available on loans below £500,000
4.19%	30 September 2012	3.8% APR	£497 (was £995)	Interest only	Remortgage service - Legal fees and property assessment*
4.49%	30 September 2012	3.9% APR	£247 (was £495)	Interest only	Remortgage service - Legal fees and property assessment*
^ SVR = Standard Variable Rate If you want to pay off all or part of the mortgage during the initial discount period, early repayment charges of 3% until 30/09/2011 and 2% until 30/09/2012 will apply to all the 2 year fixed rate mortgages on this page.

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3 year fixed rate mortgages
Initial  rate	Followed by the SVR^, (currently 3.50%) for the remainder of the term from	The overall cost for comparison is	Product fee	Repayment method	Benefits
Available on loans below £1,000,000
4.24%	30 September 2013	3.9% APR	£497 (was £995)	Repayment	Remortgage service - Legal fees and property assessment*
4.54%	30 September 2013	4.0% APR	£247 (was £495)	Repayment	Remortgage service - Legal fees and property assessment*
Available on loans below £500,000
4.44%	30 September 2013	4.0% APR	£497 (was £995)	Interest only	Remortgage service - Legal fees and property assessment*
4.74%	30 September 2013	4.1% APR	£247 (was £495)	Interest only	Remortgage service - Legal fees and property assessment*
^ SVR = Standard Variable Rate If you want to pay off all or part of the mortgage during the initial discount period, early repayment charges of 3% until 30/09/2011 and 2% until 30/09/2013 will apply to all the 3 year fixed rate mortgages on this page.

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5 year fixed rate mortgages
Initial  rate	Followed by the SVR^, (currently 3.50%) for the remainder of the term from	The overall cost for comparison is	Product fee	Repayment method	Benefits
Available on loans below £1,000,000
4.99%	30 September 2015	4.4% APR	£497 (was £995)	Repayment	Remortgage service - Legal fees and property assessment*
5.29%	30 September 2015	4.5% APR	£247 (was £495)	Repayment	Remortgage service - Legal fees and property assessment*
Available on loans below £500,000
5.19%	30 September 2015	4.5% APR	£497 (was £995)	Interest only	Remortgage service - Legal fees and property assessment*
5.49%	30 September 2015	4.6% APR	£247 (was £495)	Interest only	Remortgage service - Legal fees and property assessment*
^ SVR = Standard Variable Rate If you want to pay off all or part of the mortgage during the initial discount period, early repayment charges of 5% to 30/09/2011, 4% to 30/09/2012 and 3% to 30/09/2015 will apply to all the 5 year fixed rate mortgages on this page.

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The complete by date for all the mortgages on this page is 31st December 2010.

Find out more about your options for repaying a mortgage.

* Our Remortgage Service is only available for mortgage on properties in the UK (excluding the Isle of Man). We will pay our own legal fees and won't charge you for the property assessment. If you seek additional legal advice as part of your remortgage, you must arrange to pay for these services yourself.

** To qualify for these rates you must pay £1,000 or more into your current account with us each month or hold an Ultimate Reward Current Account.

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

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Need a little extra help?

Speak to one of our mortgage experts:

• By phone - Call us on 08458 50 37 05
• Apply at your local branch– To arrange an appointment with a professionally qualified Mortgage Adviser, call us on 0845 602 9717 and select option 5 followed by option 3. Or find your nearest branch  and contact them to book an appointment.

Our A-Z mortgages glossary could provide you with more information on mortgages and the mortgage process.