Time to switch to a new mortgage deal?

Existing customers could save over £500 a year on average by switching to a new mortgage deal, compared to paying Homeowner Variable rate.

The £500 average saving is based on current fixed rate mortgage deals and assumes that the current Homeowner Variable rate of 4.24% doesn’t change.

  • Switch if your current Halifax mortgage deal is ending, or you’re already on one of our lender variable rates
  • No legal fees or valuations are required, and we’ll waive early repayment charges on existing deals with 3 months or less left
  • You can switch your new deal online, in branch or over the phone. Whichever way you apply, the same deals will be available

Not available on existing Halifax Buy to Let or Halifax Retirement Home Plan mortgages.

If you don’t have a Halifax mortgage, why not see if you can switch from your current lender and view our remortgaging deals?

It's sometimes possible to take a product rate with you to a new mortgage, we often call this porting.

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


Watch our video to see how to switch to a new deal online.

Advice from a mortgage adviser is not available with this option.

It's easy to switch to a new deal.

Step 1

View current deals.

Use our mortgage calculator to view our current switching deals. You'll be able to compare monthly payments.


Applying online.

The option is right for you if:

  • You don’t need advice and you’re happy to make your own choice about the most suitable mortgage for you rather than talk to one of our qualified mortgage advisers.
  • You’re not looking to borrow more at the same time as switching to a new deal.
  • You don’t want to make a change to the term or repayment type of your existing mortgage.
  • No element of your mortgage is held on an interest only basis.

Get started

Need to complete a switch?

Continue online now if you've started your mortgage switch and need to read and accept your documents.

Continue online

Our current deals.

These are all our current fixed rate deals available today. There'll be a maximum of two deals which will fit your mortgage balance and your loan to value band - usually a shorter term deal and a longer term deal. To find out which deals are available to you, you can take a look online, give us a call or book an appointment online to come in to branch.

Mortgages up to £99,999
Mortgages between £100,000 and £249,999
Mortgages between £250,000 and £7,500,000


Mortgages up to £99,999.

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

Loan amount

2 years

2.79%

Currently 4.24%

31/01/2021

4.0% APRC

£0

0-60%

3% to 31/01/2020
2% to 31/01/2021

£0 - £99,999

2 years

3.14%

Currently 4.24%

31/01/2021

4.1% APRC

£0

60-75%

3% to 31/01/2020
2% to 31/01/2021

£0 - £99,999

2 years

3.14%

Currently 4.24%

31/01/2021

4.1% APRC

£0

75-85%

3% to 31/01/2020
2% to 31/01/2021

£0 - £99,999

2 years

3.79%

Currently 4.24%

31/01/2021

4.2% APRC

£0

85-95%

3% to 31/01/2020
2% to 31/01/2021

£0 - £99,999

5 years

3.09%

Currently 4.24%

31/01/2024

3.8% APRC

£0

0-60%

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

£0 - £99,999

5 years

3.29%

Currently 4.24%

31/01/2024

3.9% APRC

£0

60-75%

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

£0 - £99,999

5 years

3.69%

Currently 4.24%

31/01/2024

4.1% APRC

£0

75-85%

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

£0 - £99,999

5 years

4.89%

Currently 4.24%

31/01/2024

4.7% APRC

£0

85-95%

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

£0 - £99,999

5 years

4.89%

Currently 4.24%

31/01/2024

4.7% APRC

£0

95-120%

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

£0 - £99,999

2 years


Initial rate

2.79%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2021

The overall cost for comparison is

4.0% APRC

Product fee

£0

Loan to value
(LTV)

0-60%

Early Repayment Charges

3% to 31/01/2020
2% to 31/01/2021

Loan amount

£0 - £99,999

2 years


Initial rate

3.14%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2021

The overall cost for comparison is

4.1% APRC

Product fee

£0

Loan to value
(LTV)

60-75%

Early Repayment Charges

3% to 31/01/2020
2% to 31/01/2021

Loan amount

£0 - £99,999

2 years


Initial rate

3.14%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2021

The overall cost for comparison is

4.1% APRC

Product fee

£0

Loan to value
(LTV)

75-85%

Early Repayment Charges

3% to 31/01/2020
2% to 31/01/2021

Loan amount

£0 - £99,999

2 years


Initial rate

3.79%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2021

The overall cost for comparison is

4.2% APRC

Product fee

£0

Loan to value
(LTV)

85-95%

Early Repayment Charges

3% to 31/01/2020
2% to 31/01/2021

Loan amount

£0 - £99,999

5 years


Initial rate

3.09%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2024

The overall cost for comparison is

3.8% APRC

Product fee

£0

Loan to value
(LTV)

0-60%

Early Repayment Charges

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

Loan amount

£0 - £99,999

5 years


Initial rate

3.29%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2024

The overall cost for comparison is

3.9% APRC

Product fee

£0

Loan to value
(LTV)

60-75%

Early Repayment Charges

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

Loan amount

£0 - £99,999

5 years


Initial rate

3.69%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2024

The overall cost for comparison is

4.1% APRC

Product fee

£0

Loan to value
(LTV)

75-85%

Early Repayment Charges

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

Loan amount

£0 - £99,999

5 years


Initial rate

4.89%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2024

The overall cost for comparison is

4.7% APRC

Product fee

£0

Loan to value
(LTV)

85-95%

Early Repayment Charges

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

Loan amount

£0 - £99,999

5 years


Initial rate

4.89%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2024

The overall cost for comparison is

4.7% APRC

Product fee

£0

Loan to value
(LTV)

95-120%

Early Repayment Charges

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

Loan amount

£0 - £99,999

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

Ways to switch to a new deal


Mortgages between £100,000 and £249,999.

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

Loan amount

2 years

2.29%

Currently 4.24%

31/01/2021

3.9% APRC

£0

0-60%

2.5% to 31/01/2020
1.5% to 31/01/2021

£100k - £249,999

2 years

2.54%

Currently 4.24%

31/01/2021

3.9% APRC

£0

60-75%

2.75% to 31/01/2020
1.5% to 31/01/2021

£100k - £249,999

2 years

2.59%

Currently 4.24%

31/01/2021

4.0% APRC

£0

75-85%

2.75% to 31/01/2020
1.5% to 31/01/2021

£100k - £249,999

2 years

3.49%

Currently 4.24%

31/01/2021

4.2% APRC

£0

85-95%

3% to 31/01/2020
2% to 31/01/2021

£100k - £249,999

5 years

2.74%

Currently 4.24%

31/01/2024

3.6% APRC

£0

0-60%

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
1.75% to 31/01/2024

£100k - £249,999

5 years

2.94%

Currently 4.24%

31/01/2024

3.7% APRC

£0

60-75%

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

£100k - £249,999

5 years

3.23%

Currently 4.24%

31/01/2024

3.8% APRC

£0

75-85%

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

£100k - £249,999

5 years

4.79%

Currently 4.24%

31/01/2024

4.6% APRC

£0

85-95%

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

£100k - £249,999

5 years

4.79%

Currently 4.24%

31/01/2024

4.6% APRC

£0

95-120%

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

£100k - £249,999

2 years


Initial rate

2.29%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2021

The overall cost for comparison is

3.9% APRC

Product fee

£0

Loan to value
(LTV)

0-60%

Early Repayment Charges

2.5% to 31/01/2020
1.5% to 31/01/2021

Loan amount

£100k - £249,999

2 years


Initial rate

2.54%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2021

The overall cost for comparison is

3.9% APRC

Product fee

£0

Loan to value
(LTV)

60-75%

Early Repayment Charges

2.75% to 31/01/2020
1.5% to 31/01/2021

Loan amount

£100k - £249,999

2 years


Initial rate

2.59%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2021

The overall cost for comparison is

4.0% APRC

Product fee

£0

Loan to value
(LTV)

75-85%

Early Repayment Charges

2.75% to 31/01/2020
1.5% to 31/01/2021

Loan amount

£100k - £249,999

2 years


Initial rate

3.49%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2021

The overall cost for comparison is

4.2% APRC

Product fee

£0

Loan to value
(LTV)

85-95%

Early Repayment Charges

3% to 31/01/2020
2% to 31/01/2021

Loan amount

£100k - £249,999

5 years


Initial rate

2.74%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2024

The overall cost for comparison is

3.6% APRC

Product fee

£0

Loan to value
(LTV)

0-60%

Early Repayment Charges

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
1.75% to 31/01/2024

Loan amount

£100k - £249,999

5 years


Initial rate

2.94%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2024

The overall cost for comparison is

3.7% APRC

Product fee

£0

Loan to value
(LTV)

60-75%

Early Repayment Charges

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

Loan amount

£100k - £249,999

5 years


Initial rate

3.23%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2024

The overall cost for comparison is

3.8% APRC

Product fee

£0

Loan to value
(LTV)

75-85%

Early Repayment Charges

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

Loan amount

£100k - £249,999

5 years


Initial rate

4.79%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2024

The overall cost for comparison is

4.6% APRC

Product fee

£0

Loan to value
(LTV)

85-95%

Early Repayment Charges

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

Loan amount

£100k - £249,999

5 years


Initial rate

4.79%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2024

The overall cost for comparison is

4.6% APRC

Product fee

£0

Loan to value
(LTV)

95-120%

Early Repayment Charges

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

Loan amount

£100k - £249,999

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

Ways to switch to a new deal


Mortgages between £250,000 and £7,500,000.

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

Loan amount

2 years

2.19%

Currently 4.24%

31/01/2021

3.9% APRC

£0

0-60%

2% to 31/01/2020
1.3% to 31/01/2021

£250k - £7.5m

2 years

2.29%

Currently 4.24%

31/01/2021

3.9% APRC

£0

60-75%

2% to 31/01/2020
1.3% to 31/01/2021

£250k - £7.5m

2 years

2.54%

Currently 4.24%

31/01/2021

3.9% APRC

£0

75-85%

2.5% to 31/01/2020
1.4% to 31/01/2021

£250k - £7.5m

2 years

3.34%

Currently 4.24%

31/01/2021

4.1% APRC

£0

85-95%

3% to 31/01/2020
2% to 31/01/2021

£250k - £7.5m

5 years

2.49%

Currently 4.24%

31/01/2024

3.5% APRC

£0

0-60%

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
1.5% to 31/01/2024

£250k - £7.5m

5 years

2.69%

Currently 4.24%

31/01/2024

3.6% APRC

£0

60-75%

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
1.5% to 31/01/2024

£250k - £7.5m

5 years

2.99%

Currently 4.24%

31/01/2024

3.7% APRC

£0

75-85%

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
1.75% to 31/01/2024

£250k - £7.5m

5 years

4.64%

Currently 4.24%

31/01/2024

4.5% APRC

£0

85-95%

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

£250k - £7.5m

5 years

4.64%

Currently 4.24%

31/01/2024

4.5% APRC

£0

95-120%

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

£250k - £7.5m

2 years


Initial rate

2.19%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2021

The overall cost for comparison is

3.9% APRC

Product fee

£0

Loan to value
(LTV)

0-60%

Early Repayment Charges

2% to 31/01/2020
1.3% to 31/01/2021

Loan amount

£250k - £7.5m

2 years


Initial rate

2.29%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2021

The overall cost for comparison is

3.9% APRC

Product fee

£0

Loan to value
(LTV)

60-75%

Early Repayment Charges

2% to 31/01/2020
1.3% to 31/01/2021

Loan amount

£250k - £7.5m

2 years


Initial rate

2.54%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2021

The overall cost for comparison is

3.9% APRC

Product fee

£0

Loan to value
(LTV)

75-85%

Early Repayment Charges

2.5% to 31/01/2020
1.4% to 31/01/2021

Loan amount

£250k - £7.5m

2 years


Initial rate

3.34%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2021

The overall cost for comparison is

4.1% APRC

Product fee

£0

Loan to value
(LTV)

85-95%

Early Repayment Charges

3% to 31/01/2020
2% to 31/01/2021

Loan amount

£250k - £7.5m

5 years


Initial rate

2.49%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2024

The overall cost for comparison is

3.5% APRC

Product fee

£0

Loan to value
(LTV)

0-60%

Early Repayment Charges

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
1.5% to 31/01/2024

Loan amount

£250k - £7.5m

5 years


Initial rate

2.69%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2024

The overall cost for comparison is

3.6% APRC

Product fee

£0

Loan to value
(LTV)

60-75%

Early Repayment Charges

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
1.5% to 31/01/2024

Loan amount

£250k - £7.5m

5 years


Initial rate

2.99%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2024

The overall cost for comparison is

3.7% APRC

Product fee

£0

Loan to value
(LTV)

75-85%

Early Repayment Charges

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
1.75% to 31/01/2024

Loan amount

£250k - £7.5m

5 years


Initial rate

4.64%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2024

The overall cost for comparison is

4.5% APRC

Product fee

£0

Loan to value
(LTV)

85-95%

Early Repayment Charges

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

Loan amount

£250k - £7.5m

5 years


Initial rate

4.64%

Halifax Homeowner
Variable rate thereafter

Currently 4.24%

For the remainder of
the term from

31/01/2024

The overall cost for comparison is

4.5% APRC

Product fee

£0

Loan to value
(LTV)

95-120%

Early Repayment Charges

5% to 31/01/2020
4% to 31/01/2021
3% to 31/01/2023
2% to 31/01/2024

Loan amount

£250k - £7.5m

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

Representative Example

A mortgage of £91,870 payable over 20 years, initially on a fixed rate for 5 years at 2.54% and then on our variable rate of 4.24% for the remaining 15 years, would require 60 monthly payments of £488.61 and 180 monthly payments of £549.34.

 

The total amount payable would be £128,197.80 made up of the loan amount, plus interest £36,327.80.

 

The overall cost for comparison is 3.5% APRC representative.

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


Our rates are only guaranteed for applications made today. We reserve the right to change our product range at any time.

If you're currently on the Halifax Standard Variable Rate, this won't be available at the end of your new deal. Instead your interest rate will automatically change to the Halifax Homeowner Variable Rate.

If you’ve any interest-only borrowing and you’re looking for a new deal, you must have a repayment plan in place and you'll need to provide suitable documentary evidence.


Things to know when switching to a new deal.

What do I need to do if my current deal is ending?

If your current Halifax mortgage deal is ending and you don't want to switch to a new deal, you don't need to do anything. You'll be automatically changed onto one of our lender variable rates.

How do I know 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. However, if you applied for your current deal before 4th January 2011 it could be the Halifax Standard Variable Rate. The Halifax Standard Variable Rate is no longer available so if you choose to switch deals, you will never be able to go back to the Halifax Standard Variable Rate.

When can I switch deals?

You can arrange to switch to a new deal if you're on one of our lender variable rates. As a concession, you can also switch deals if your existing deal has 3 months or less to run. If your existing deal has more than 3 months left to run you can still switch your deal, however you may have to pay early repayment charges.

How do I know which deal to choose?

Our current mortgage deals 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. If you check all our current deals there'll be a maximum of two deals which will fit your mortgage balance and loan to value band - usually a shorter term deal and a longer term deal. If you want to talk to a mortgage adviser for advice about your options you can give us a call or book an appointment in branch. It’s a good idea to make sure that everyone named on the mortgage can attend the appointment or call.

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.

What happens when I apply for a new deal?

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

If you apply over the phone then you will 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 will need to agree to proceed with your application before we can make you a formal offer.

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

When you agree to proceed with the application we will 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 will send you a letter telling you when the transfer will take effect from and when we will start collecting your new monthly payment.

What happens if I change my mind?

If you change your mind after submitting your application you will need to contact us immediately.

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 3 months or less to run on your existing deal. This waiver does not apply to other transactions which might trigger the payment of an early repayment charge, such as a lump sum overpayment.

If your existing deal has more than 3 months left to run, you can still switch your deal, but the waiver would not apply, so you may have to pay early repayment charges.

Will I be charged any fees?

There are no legal fees or valuation required but depending on the mortgage deal, there may be a product fee to pay. You'll need to check our current deals for full details. Any product fees can usually be added on to your mortgage on completion but you'll be charged interest on the fees.

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 adviser.

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.

Steps to switching

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