How do I pay off my mortgage in full?

If you want to move home or sell your property

it’s sometimes possible to take your mortgage rate with you if you’re moving to a new property. We call this porting.

Check your mortgage offer or give us a call on 0345 850 3705 to check if you’re eligible to port your rate to a new property. Lines are open Monday to Friday 8am - 8pm and Saturday 9am - 4pm.

You can check Online Banking for your latest mortgage balance.

More about moving home with Halifax

If you want to pay your mortgage off in full

If your mortgage is coming to an end of its term then you don’t need to do anything. We’ll close your mortgage after your final payment.

You can also repay your mortgage in full at any time, as long as you also pay any early repayment charges that apply. You’ll need to request a redemption statement from us to do this.


What's a redemption statement?

A redemption statement shows the total amount of money required to pay off your mortgage. It includes any recent payments, interest charges, early repayment charges and other fees that may apply.


How do I get a redemption statement?

You’ll need to fill out our online form to request a redemption statement.

Alternatively you can call us on 0345 850 3705. Our lines are open Monday to Friday 8am - 8pm and Saturday 9am - 4pm.

You could lose your home if you don’t keep up your mortgage repayments