Switch to a new mortgage deal

If you already have a mortgage with the Halifax, we’ve made it simple to set up your next deal from home.

Switch deals the faster way

If your current Halifax mortgage is coming to an end, here’s the quickest way to set up your new deal.

We’ll show you all the deals that are available to you. Select the one you like the look of, answer a few simple questions and get an answer in around 10 minutes.

If you start to apply online but decide you’d like some help, our expert Mortgage and Protection Advisers are always ready to support you.

See your personalised deals
  • Getting a new deal is easy - get an answer in around 10 minutes.
  • Switch deal today or start later - secure an interest rate up to six months before your current deal ends.
  • No early repayment charges - if you’re in the last three months of your current deal, we’ll waive all early repayment charges as a thank you for staying with us.
  • No legal fees or valuation charges

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

Already started your switch?

Ready to continue? Sign back in and we’ll send a passcode to your mobile device so that you can quickly pick up from where you were.

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Wouldn't it be lovely to be mortgage-free?

  • Every month, we’ll pay off someone’s mortgage up to the value of £300,000.
  • There are also 100 monthly prizes of £1,000 cash.

Not having a mortgage to pay each month could make a big difference - could you be the one going through this life-changing moment next month? Find out if you are eligible and how to register. Mortgage Prize Draw rules apply.

Mortgage prize draw

Need to speak to us?

If you need some help and would like to speak to us now, you can call us on 0345 850 0248 to speak to a Mortgage and Protection Adviser. 

We're open Monday to Friday 8am to 8pm, Saturday 9am to 4pm, we’re closed Sundays and bank holidays.

    • 1.
      What should I do if my current deal is ending soon?

      We’ll be in touch before your current deal ends to let you know about your options.

      If you want to switch to a new deal, you can secure a new rate up to six months before your current one ends. You can start your new rate straightaway or wait until your current deal ends. If you choose to start your new deal straightaway and there's more than three months left on your current deal, you may have to pay early repayment charges.

      If you decide not to switch, we’ll automatically move you onto one of our variable interest rates when your current deal ends. Staying on this variable rate may cost you more each month. And your interest rate and monthly payment could also go up or down from month to month.

      So, it’s a good idea to check if switching to a new rate is better for you – as if rates go up, you could end up paying more for your mortgage each month than you budgeted for. 

      To help you understand your options, we’ve compared the different types of rates. If you have any questions, you can call us on 0345 727 3747

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    • 2.
      Which lender variable rate will apply at the end of my current deal?

      Your offer letter will tell you the lender variable rate that will apply at the end of your current deal. This is usually the Halifax Homeowner Variable Rate. If you applied for your current deal before 4 January 2011, it could be the Halifax Standard Variable Rate. The Halifax Standard Variable Rate is no longer available so if you decide to switch deals, you'll never be able to go back to the Halifax Standard Variable Rate.

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    • 3.
      When can I switch deals?

      If you're on a fixed or tracker rate:

      You can arrange a new deal up to six months before your current one ends. Once you’ve arranged your deal and secured your interest rate, you can:

      • wait until your current deal ends
      • move to the new rate straightaway.

      If you move to your new rate and there are more than three months left on your current deal, we may charge you early repayment charges. Depending on your current monthly payments and the new deals available, you may save money by switching even if you need to pay early repayment charges.  You can check how much these charges would be in your original offer letter, latest mortgage statement or by giving us a call 0345 727 3747.

      If you’re on a lender variable rate:

      You can arrange to switch to a new deal at any time without paying any early repayment charges.

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    • 4.
      How do I know which deal to choose?

      Our current mortgage deals that we show you are based on how much you owe in relation to how much we think your property is worth. This is known as your loan to value (LTV) and it's expressed as a percentage figure. We also consider other factors when determining the rates we offer you.

      If you check all our current deals, we’ll show you all the deals that you are eligible to switch to - usually there are shorter term deals and longer term deals.

      If you want to talk to a Mortgage and Protection Adviser for advice about your options, you can call us or book an appointment in a branch. It’s a good idea to make sure that everyone named on the mortgage can attend the appointment or call.

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    • 5.
      How do you decide what deals to offer me?

      As a responsible lender we’ll make decisions based on understanding your individual circumstances. We’ll create tailored mortgage offers based on a number of factors; including your current credit score and the usage of your accounts.

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    • 6.
      How can I find the energy efficiency of my property?

      The energy efficiency of your property is measured by its Energy Performance Certificate rating (EPC). Further information is available on our Green Living Hub.

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    • 7.
      What do I need to apply online?

      If you want to apply online it'll take about 10 minutes, and you'll need your mortgage account number to hand. You'll only be able to apply online if you've a 14-digit account number. You'll have either a 14 digit account number or it'll start with 'A/'. Check your latest mortgage statement or sign in to Online Banking to view your mortgage account number. If you're not registered for Online Banking yet, it's easy and only takes about 5 minutes. Find out how to register.

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    • 8.
      What happens when I apply for a new deal?

      If you apply online, you'll be able to view these documents online and accept your new deal electronically. You'll also get paper copies in the post for your records.

      If you apply over the phone, then you'll receive these documents in the post and by email (if you have provided an email address).

      If you have any interest only borrowing and you are looking for a new deal, you must have a repayment plan in place and apply over the phone or in branch. We may ask you to provide suitable documentary evidence.

      You'll need to agree to proceed with your application before we can make you a formal offer.

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    • 9.
      What happens once I have agreed to proceed with the application?

      When you agree to proceed with the application we'll make you a formal offer. You should read your offer carefully to make sure you are still happy to go ahead. You do not need to do anything else unless you change your mind. We'll send you a letter telling you when the transfer will take effect from and when we'll start collecting your new monthly payment.

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    • 10.
      What happens if I change my mind?

      If you change your mind after submitting your application, you'll need to contact us straightaway.

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    • 11.
      Will I have to pay any early repayment charges?

      Details of any early repayment charges that may apply to you, and when they may be charged will be shown in your offer letter. After you have had your mortgage for a year, your annual statement will also tell you this, or you can call us on 0345 850 3705

      As a current concession, early repayment charges that would otherwise be triggered by the switch are waived if there are three months or less to run on your existing deal. This waiver does not apply to other transactions that might trigger the payment of an early repayment charge, such as a lump sum overpayment.

      If your existing deal has more than three months left to run, you can still switch your deal, but the waiver wouldn't apply, so you may have to pay early repayment charges.

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    • 12.
      Will I be charged any fees?

      If you switch with us, you won’t need to pay any legal fees or need a new valuation. Depending on the mortgage deal you choose, we may charge you a fee, called a product fee. You can pay this fee up-front, or you can add it to the total mortgage amount. If you add it to your mortgage, we’ll charge interest on it at the same rate as the rest of your borrowing.  You can check our current deals for more information.

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    • 13.
      Can I borrow more or make changes to my existing mortgage at the same time?

      If you're looking to borrow more at the same time as switching to a new deal, or you want to make a change to the term or repayment type of your existing mortgage, you'll have to contact us to discuss your needs and circumstances with a qualified Mortgage and Protection Adviser.

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    • 14.
      Can I move home and keep my current mortgage?

      When moving home, you'll need to apply for a new mortgage. However, you may be able to keep your existing Halifax mortgage deal, this is often called Porting. Find out more about moving an existing Halifax mortgage.

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    • 15.
      Can I protect my mortgage?

      You can protect your mortgage with our Life and Body Cover. This type of insurance can give you peace of mind of knowing that you and your loved ones will be able to keep your home if something happens to you. It could help to pay off your mortgage in the event of your death, or if you become too ill to work.

      We have options available to Halifax mortgage customers. Our Mortgage and Protection Advisers are on hand to discuss your needs and can help you to find the right level of cover for your needs.

      You can find out more about protecting your mortgage, the cover we offer and how to get a personalised quote by visiting our Mortgage Protection page. 

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