Mortgage basics.

Things you'll need to think about when looking for a home and applying for a mortgage.

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


Moving costs

Whether you're buying a new property, moving your current mortgage to us from another lender, or borrowing more money, it’s important to know how much it’s all going to cost.


Valuation schemes

If you're taking out a mortgage, we'll want to know the property’s market value.


Mortgage products

We've different types of mortgage products with different types of interest rates.


Property types

We'll consider lending you money to buy different types of property. Any loan we make will be subject to a satisfactory property valuation by a surveyor of our choice.


Repayment methods

There are three different ways of repaying your loan. These are repayment, interest-only and a combination of repayment and interest-only.


Legal stuff

Guidance through the stages prior, during and after exchange of contracts.


Mortgage Calculator.

Find out how much your mortgage payments could be.


Ways to apply for an Agreement in Principle

Start your application online and we'll confirm whether we’re able to provide you with a Mortgage Promise.

Continue online


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


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

Book an appointment online


Why choose Halifax?

We've been helping people buy their own home for over 160 years.

  • Great range of deals
  • Support you all the way
  • Easy to apply