Move your mortgage to us.

If your mortgage is with another lender, you could save money by remortgaging to us.

We're committed to providing our customers with a little extra help. That's why selected remortgages come with our Remortgages Service where we'll pay our own legal fees and won't charge you for the property assessment.

If you've already got a Halifax mortgage, why not see if you can switch to a new deal on your existing mortgage.

Your home may be repossessed if you do not keep up repayments on your mortgage.


Best Overall Mortgage Lender 2015.

Your Mortgage awards 2002 to 2015, best overall mortgage lenderWe've won the Your Mortgage award for Best Overall Mortgage Lender, for the 13th year in a row.

Move your mortgage to us in just 2 steps.


Find a remortgage deal.

Use our mortgage calculator to view our current remortgage deals. You'll get an idea of how much you could borrow and compare monthly payments.

If you're interested in getting a mortgage with us, you’ll need an Agreement in Principle before you can start your full mortgage application. If approved, it'll give you an indication if we could lend you the amount you’ve requested. There's no charge for this, and no obligation to apply for your mortgage with us.

Applying for an Agreement in Principle is easy. Simply use our mortgage calculator and you can continue to apply online from there - even if you want to go on to complete your full mortgage application over the phone or in branch.

Find a remortgage deal


Begin your full mortgage application.

Once you've got your Agreement in Principle, you can start your full mortgage application online, in branch or over the phone. The same deals will be available no matter how you apply.

How to apply


Applying online.

You can continue with your full application online if you don't need advice and you're happy to make your own choice about the most suitable mortgage for you. At the start of your application we'll ask some questions to confirm that you're eligible to proceed online.

Not got an Agreement in Principle with us yet?
You'll need one before you can start your full mortgage application. Use our mortgage calculator to find a remortgage deal and apply for an Agreement in Principle.

Find a remortgage deal


Applying by phone or in branch.

You'll receive advice from one of our qualified mortgage advisers. They'll ask about your needs and circumstances and then recommend our most suitable mortgage for you.

Call us on 0345 850 3705
Mon to Fri 8am - 8pm and Sat 9am - 4pm.

Come into branch - you'll need to book an appointment beforehand.

Book a branch appointment


Already applied for your remortgage online?

If you’ve already started an application online, you can retrieve it using the sign in details you've been given.

Sign in to your application

Our current rates.

These are our current fixed rate mortgages available today. There will only be certain deals which fit your mortgage amount and your loan to value band - you can ask us to provide an illustration for any of these deals. If you apply over the phone or in branch, one of our qualified mortgage advisers will ask about your needs and circumstances and then recommend our most suitable mortgage for you. If you apply online, you'll have to make your own choice about the most suitable mortgage for you.

Mortgages up to £1 million
Mortgages over £1 million


Mortgages up to £1 million.

Term

Initial rate

Halifax Homeowner
Variable rate thereafter

For the remainder of the term from

The overall cost for comparison is

Product fee

Loan to value (LTV)

Early Repayment Charges until

Mortgage amount

Extra benefits

2 years

2.44%

Currently 3.74%

30/11/2018

3.8% APRC

£495

0-60%

30/11/2018

£0 - £1m

Halifax Remortgage Service*

2 years

2.64%

Currently 3.74%

30/11/2018

3.8% APRC

£0

0-60%

30/11/2018

£0 - £1m

Halifax Remortgage Service*

2 years

2.84%

Currently 3.74%

30/11/2018

3.9% APRC

£495

60-75%

30/11/2018

£0 - £1m

Halifax Remortgage Service*

2 years

3.04%

Currently 3.74%

30/11/2018

3.9% APRC

£0

60-75%

30/11/2018

£0 - £1m

Halifax Remortgage Service*

2 years

2.99%

Currently 3.74%

30/11/2018

3.9% APRC

£495

75-85%

30/11/2018

£0 - £1m

Halifax Remortgage Service*

2 years

3.19%

Currently 3.74%

30/11/2018

3.9% APRC

£0

75-85%

30/11/2018

£0 - £1m

Halifax Remortgage Service*

2 years

3.79%

Currently 3.74%

30/11/2018

4.1% APRC

£495

85-90%

30/11/2018

£0 - £1m

Halifax Remortgage Service*

2 years

3.99%

Currently 3.74%

30/11/2018

4.1% APRC

£0

85-90%

30/11/2018

£0 - £1m

Halifax Remortgage Service*

5 years

2.84%

Currently 3.74%

30/11/2021

3.6% APRC

£495

0-60%

30/11/2021

£0 - £1m

Halifax Remortgage Service*

5 years

3.04%

Currently 3.74%

30/11/2021

3.6% APRC

£0

0-60%

30/11/2021

£0 - £1m

Halifax Remortgage Service*

5 years

3.44%

Currently 3.74%

30/11/2021

3.9% APRC

£495

60-75%

30/11/2021

£0 - £1m

Halifax Remortgage Service*

5 years

3.64%

Currently 3.74%

30/11/2021

3.9% APRC

£0

60-75%

30/11/2021

£0 - £1m

Halifax Remortgage Service*

5 years

3.83%

Currently 3.74%

30/11/2021

4.1% APRC

£495

75-80%

30/11/2021

£0 - £1m

Halifax Remortgage Service*

5 years

4.03%

Currently 3.74%

30/11/2021

4.1% APRC

£0

75-80%

30/11/2021

£0 - £1m

Halifax Remortgage Service*

5 years

4.28%

Currently 3.74%

30/11/2021

4.3% APRC

£495

80-85%

30/11/2021

£0 - £1m

Halifax Remortgage Service*

5 years

4.48%

Currently 3.74%

30/11/2021

4.3% APRC

£0

80-85%

30/11/2021

£0 - £1m

Halifax Remortgage Service*

5 years

4.78%

Currently 3.74%

30/11/2021

4.5% APRC

£495

85-90%

30/11/2021

£0 - £1m

Halifax Remortgage Service*

5 years

4.98%

Currently 3.74%

30/11/2021

4.6% APRC

£0

85-90%

30/11/2021

£0 - £1m

Halifax Remortgage Service*

2 years


Initial rate

2.44%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2018

The overall cost for comparison is

3.8% APRC

Product fee

£495

Loan to value (LTV)

0-60%

Early Repayment Charges until

30/11/2018

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

2 years


Initial rate

2.64%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2018

The overall cost for comparison is

3.8% APRC

Product fee

£0

Loan to value (LTV)

0-60%

Early Repayment Charges until

30/11/2018

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

2 years


Initial rate

2.84%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2018

The overall cost for comparison is

3.9% APRC

Product fee

£495

Loan to value (LTV)

60-75%

Early Repayment Charges until

30/11/2018

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

2 years


Initial rate

3.04%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2018

The overall cost for comparison is

3.9% APRC

Product fee

£0

Loan to value (LTV)

60-75%

Early Repayment Charges until

30/11/2018

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

2 years


Initial rate

2.99%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2018

The overall cost for comparison is

3.9% APRC

Product fee

£495

Loan to value (LTV)

75-85%

Early Repayment Charges until

30/11/2018

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

2 years


Initial rate

3.19%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2018

The overall cost for comparison is

3.9% APRC

Product fee

£0

Loan to value (LTV)

75-85%

Early Repayment Charges until

30/11/2018

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

2 years


Initial rate

3.79%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2018

The overall cost for comparison is

4.1% APRC

Product fee

£495

Loan to value (LTV)

85-90%

Early Repayment Charges until

30/11/2018

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

2 years


Initial rate

3.99%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2018

The overall cost for comparison is

4.1% APRC

Product fee

£0

Loan to value (LTV)

85-90%

Early Repayment Charges until

30/11/2018

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

5 years


Initial rate

2.84%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2021

The overall cost for comparison is

3.6% APRC

Product fee

£495

Loan to value (LTV)

0-60%

Early Repayment Charges until

30/11/2021

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

5 years


Initial rate

3.04%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2021

The overall cost for comparison is

3.6% APRC

Product fee

£0

Loan to value (LTV)

0-60%

Early Repayment Charges until

30/11/2021

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

5 years


Initial rate

3.44%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2021

The overall cost for comparison is

3.9% APRC

Product fee

£495

Loan to value (LTV)

60-75%

Early Repayment Charges until

30/11/2021

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

5 years


Initial rate

3.64%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2021

The overall cost for comparison is

3.9% APRC

Product fee

£0

Loan to value (LTV)

60-75%

Early Repayment Charges until

30/11/2021

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

5 years


Initial rate

3.83%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2021

The overall cost for comparison is

4.1% APRC

Product fee

£495

Loan to value (LTV)

75-80%

Early Repayment Charges until

30/11/2021

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

5 years


Initial rate

4.03%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2021

The overall cost for comparison is

4.1% APRC

Product fee

£0

Loan to value (LTV)

75-80%

Early Repayment Charges until

30/11/2021

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

5 years


Initial rate

4.28%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2021

The overall cost for comparison is

4.3% APRC

Product fee

£495

Loan to value (LTV)

80-85%

Early Repayment Charges until

30/11/2021

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

5 years


Initial rate

4.48%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2021

The overall cost for comparison is

4.3% APRC

Product fee

£0

Loan to value (LTV)

80-85%

Early Repayment Charges until

30/11/2021

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

5 years


Initial rate

4.78%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2021

The overall cost for comparison is

4.5% APRC

Product fee

£495

Loan to value (LTV)

85-90%

Early Repayment Charges until

30/11/2021

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

5 years


Initial rate

4.98%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2021

The overall cost for comparison is

4.6% APRC

Product fee

£0

Loan to value (LTV)

85-90%

Early Repayment Charges until

30/11/2021

Mortgage amount

£0 - £1m

Extra benefits

Halifax Remortgage Service*

Term

Initial rate

Halifax Homeowner
Variable rate thereafter

For the remainder of the term from

The overall cost for comparison is

Product fee

Loan to value (LTV)

Early Repayment Charges until

Mortgage amount

Extra benefits

2 years

2.89%

Currently 3.74%

30/11/2018

3.7% APRC

£1,995

0-60%

30/11/2018

£1m - £5m

Halifax Remortgage Service*

2 years

3.29%

Currently 3.74%

30/11/2018

3.8% APRC

£1,995

60-70%

30/11/2018

£1m - £5m

Halifax Remortgage Service*

2 years

3.79%

Currently 3.74%

30/11/2018

4.0% APRC

£1,995

70-80%

30/11/2018

£1m - £2m

Halifax Remortgage Service*

5 years

3.84%

Currently 3.74%

30/11/2021

4.0% APRC

£1,995

0-60%

30/11/2021

£1m - £5m

Halifax Remortgage Service*

5 years

4.23%

Currently 3.74%

30/11/2021

4.3% APRC

£1,995

60-70%

30/11/2021

£1m - £5m

Halifax Remortgage Service*

2 years


Initial rate

2.89%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2018

The overall cost for comparison is

3.7% APRC

Product fee

£1,995

Loan to value (LTV)

0-60%

Early Repayment Charges until

30/11/2018

Mortgage amount

£1m - £5m

Extra benefits

Halifax Remortgage Service*

2 years


Initial rate

3.29%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2018

The overall cost for comparison is

3.8% APRC

Product fee

£1,995

Loan to value (LTV)

60-70%

Early Repayment Charges until

30/11/2018

Mortgage amount

£1m - £5m

Extra benefits

Halifax Remortgage Service*

2 years


Initial rate

3.79%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2018

The overall cost for comparison is

4.0% APRC

Product fee

£1,995

Loan to value (LTV)

70-80%

Early Repayment Charges until

30/11/2018

Mortgage amount

£1m - £2m

Extra benefits

Halifax Remortgage Service*

5 years


Initial rate

3.84%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2021

The overall cost for comparison is

4.0% APRC

Product fee

£1,995

Loan to value (LTV)

0-60%

Early Repayment Charges until

30/11/2021

Mortgage amount

£1m - £5m

Extra benefits

Halifax Remortgage Service*

5 years


Initial rate

4.23%

Halifax Homeowner
Variable rate thereafter

Currently 3.74%

For the remainder of the term from

30/11/2021

The overall cost for comparison is

4.3% APRC

Product fee

£1,995

Loan to value (LTV)

60-70%

Early Repayment Charges until

30/11/2021

Mortgage amount

£1m - £5m

Extra benefits

Halifax Remortgage Service*

Representative Example:

A mortgage of £120,940 payable over 20 years, initially on a fixed rate for 2 years at 2.99% and then on our variable rate of 3.99% for the remaining 18 years, would require 24 monthly payments of £671.36 followed by 216 monthly payments of £727.77.

 

The total amount payable would be £173,310.96 made up of the loan amount, plus interest (£52,370.96).

 

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?
This is an illustration of a typical mortgage and its total cost.


*Remortgages come with our Remortgage Service. We won't charge you for the property assessment and we'll pay our own legal fees - you must pay for any legal advice or additional services required. If you apply online you'll need to confirm you're happy to use this service. If you apply over the phone or in branch, if you do not wish to use our Remortgage Service and would prefer to instruct your own conveyancer to deal with your remortgage, you must arrange and pay for these services yourself.


Special offers for remortgaging.


Take the hassle out of remortgaging and get £1000 back.

So, if you’re thinking of remortgaging to us from another lender, we think you’re making a good move. Not only can we help keep things straightforward with our simple switcher service and dedicated mortgage advisers, but you’ll also get £1000 cashback. Now that’s a change for the better.

  • Apply between 15th August and 25th September 2016
  • We'll also pay our own legal fees and we won't charge you for the property assessment
  • £1000 paid through your conveyancer on completion
  • Offer can be withdrawn at any time and excludes: product transfers, further advances and home mover applications through Halifax Intermediaries.

At Halifax we're committed to providing our customers with a little extra help.

That's why selected remortgages come with our Remortgages Service where we'll pay our own legal fees and won't charge you for the property assessment.

Our Remortgage Service is only available for mortgage on properties in the UK (excluding the Isle of Man). If you seek additional legal advice as part of your remortgage, you must arrange to pay for these services yourself


Find a remortgage deal.

Use our mortgage calculator to view our current remortgage deals.

You'll get an idea of how much you could borrow and compare monthly payments.

Things to know if you're thinking of moving your mortgage to us.

How much could I borrow?

We'll only lend you a certain percentage of the property valuation. You may not need to pay a deposit and you may be able to borrow more than you currently owe. This will depend on the property valuation and how much you owe on your current mortgage, as well as how much we think you can afford to borrow.

What types of properties will you lend on?

We'll consider lending you money for different types of property in the UK. Any loan we make will be subject to a satisfactory property assessment by a surveyor of our choice.

Is there a minimum property value?

While we'll consider many types of property, we've a responsibility to ensure that a property is suitable security for a mortgage. As a result, we'll not lend against properties where the valuation is below £40,000.

What is an Agreement in Principle and how does it differ from a mortgage offer?

An Agreement in Principle, also known as a 'Decision in Principle' or 'Mortgage Promise', is useful if you want to know if you could remortgage to us. All we need is a few personal details about you and anyone else who will be named on the mortgage. Then we’ll contact a credit reference agency for a credit search and give you a credit score. If you reach our pass mark, we’ll confirm that we could offer you a mortgage (subject to you completing a full mortgage application).

A mortgage offer is issued by a lender once your mortgage application has been received and the necessary checks, such as the property valuation and confirmation of your details, have been carried out. It sets out the terms under which the lender is prepared to offer you a loan.

You can apply for an Agreement in Principle online, it takes about 15 mins. Simply use our mortgage calculator and you can can continue to apply online from there. There’s no fee and no obligation to apply for a mortgage with us.

Once you have an Agreement in Principle, you can go on to complete your full remortgage application. Even if you complete your Agreement in Principle online you can choose whether you want to apply for your mortgage in branch, over the phone or online.

What are my options when applying for a mortgage?

Once you've got your Agreement in Principle, you can start your full mortgage application online, in branch or over the phone. The same deals will be available no matter how you apply.

Applying by phone or in branch

If you apply over the phone or in branch, you'll receive advice from one of our qualified mortgage advisers. They'll ask about your needs and circumstances and then recommend our most suitable mortgage for you. They'll discuss the next steps in the application process and answer any queries you may have.

Applying online

If you apply online, you’ll have to make your own choice about the most suitable mortgage for you. By applying online, you’re making the decision not to receive any advice from one of our qualified mortgage advisers. At the start of your application we'll ask some questions to confirm that you're eligible to proceed online.

If you start your application online, you can change your mind at any time and receive advice from one of our mortgage advisers in branch or over the phone.

What will I need for the mortgage application?

We'll ask for the following details about you and anyone else who will be named on the mortgage:

  • Personal details including name, address, date of birth and contact details
  • Employment details
  • Financial details including income, bonuses, overtime, commitments and monthly expenditure
  • Retirement plans.

We'll also need:

  • Details of the property to be mortgaged including the year the property was built and the construction type
  • Your existing mortgage lender details and your current mortgage balance
  • Documents to confirm what you've told us.

How long will it take to move my mortgage to you?

It can take about 4 to 8 weeks to complete a remortgage. However there are a number of steps involved and it all depends on how long each step takes, which can vary depending on your own personal circumstances.

Steps to remortgaging

You'll need to:

  1. Use our mortgage calculator to view our remortgage deals
  2. Apply for an Agreement in Principle from us - you can do this in branch, over the phone or online
  3. Apply for your mortgage – you can do this in branch, over the phone or online
  4. Provide your identification and documents to us – we’ll let you know everything we need
  5. We'll then:

  6. Arrange for a property assessment
  7. Review your application, documentation and valuation
  8. If everything is okay, we’ll write to make you a mortgage offer.
  9. The conveyancer will:

  10. Check your mortgage offer
  11. Carry out Land Registry/Registers of Scotland searches on the property
  12. Draw up and ask you to sign the mortgage deed or standard security.
  13. On the day of completion, we'll:

  14. Send the funds to our conveyancer who pays off your mortgage with your current lender and transfers the borrowing on your property to us
  15. Send you a letter to tell you the mortgage has started with us.

Do I need to arrange a solicitor / conveyancer for a remortgage?

Remortgages come with our Remortgage Service. We won't charge you for the property assessment and we'll pay our own legal fees - you must pay for any legal advice or additional services required. If you apply online you'll need to confirm you're happy to use this service. If you apply over the phone or in branch, if you do not wish to use our Remortgage Service and would prefer to instruct your own conveyancer to deal with your remortgage, you must arrange and pay for these services yourself.

What insurance will I need?

It's a requirement of your mortgage to have buildings insurance. This covers the bricks and mortar, fixtures and fittings. It's also a good idea to take out contents insurance as well - this protects all your possessions in your home, from furniture to jewellery.

You may want to look into insurance to protect your mortgage for example Life Cover and Critical Illness Cover.

Will I be charged any fees?

You may be charged a mortgage account fee which is an interest-free fee charged on new mortgage completions. Depending on the mortgage product, there may be a product fee to pay. You'll need to check our current rates for full details. Any product fees can be added on to your mortgage on completion. There could be other charges and standard costs which you may have to pay during the course of setting up your mortgage. You'll be charged interest on any fees, charges and standard costs added to your loan.

What happens at the end of my mortgage deal?

When you take out your mortgage, you arrange to have a fixed or variable rate product for a period of time. At the end of this time, the product will end and your loan will usually be transferred to one of our lender variable rates. At this point, you may choose to move it to a new product for a further period of time.

What happens if I want to move home in the middle of my mortgage deal?

It's sometimes possible to take a product rate with you to a new mortgage on a different property - we sometimes call this 'porting‘. Your Mortgage Illustration and offer letter will say if any of your products are portable.

Your home may be repossessed if you do not keep up repayments on your mortgage.