Remortgage guide

Get a rough idea

Whether you’re remortgaging to get a better deal or to free up capital for something like home improvements, you have to work out what you can afford, what it’s likely to cost, and set a sensible budget…

Work it out with our How Much Could I Borrow tool.

Get it in writing

To find out whether you can remortgage your home to us – and how much you could borrow – simply apply for a mortgage promise.  It can take as little as 15 minutes and - as long as the information you provide is accurate and the valuation of the property is acceptable - you’ll know exactly how much you have to spend.

Ask us for a mortgage promise

Sorting out your mortgage

We've been helping people buy thier own homes for 150 years, so we’re sure we could find a mortgage that will suit your needs perfectly.

We offer a great range of fixed or tracker deals to choose from whether you’re switching from another lender – use our mortgage calculator to help find the right deal for you.  And all our mortgages have special features - whichever deal you choose, we'll give you a whole host of special features that offer flexibility that can really help you manage your mortgage.

Our mortgage experts can help you through the entire process remortgaging

If you need help from one of our mortgage experts, simply phone us on 08458 50 37 05 or call into your local branch. Find your nearest branch.

Before you start your application…

To make your Halifax mortgage application as simple as possible you should have the following information handy:

• Your addresses for the last three years
• Any existing accounts with Halifax
• Your employment and income for the last 18 months
• Your credit commitments
• Your current mortgage

Get Insurance Cover

It’s a good idea to arrange new insurance when you arrange your remortgage. We can provide you with all the protection you’ll need for you and your home.

The mortgage offer

Once the valuation or survey has been conducted and we have all the information we need, we will be able to confirm our mortgage offer.

Legally yours

You will have already agreed the redemption figure given by your existing lender so once the search results have been received, the monies from your new lender can be used to repay the existing lender as well as any fees incurred and previously agreed. If there is any money left over, you will be reimbursed, usually by cheque or bank transfer. 

If you are using Halifax for your legal services, we will do this for you. If not, you’ll need to appoint a solicitor or conveyancer to deal with all the legal aspects. Find a solicitor.