Moving home mortgages.

Ready to make your next move? Let us take care of your mortgage so all you need to focus on is the move!

Whether you’re a moving novice or an experienced house buyer, we can help you every step of the way.

If you already have a Halifax mortgage, you may be able to take this with you when you move. We call this porting.

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


£500 to spend on our Mortgage Gift website

Available to home movers who complete on a qualifying mortgage. For more details, see our special offers.

Apply by 12th August 2018. Exclusions Apply.

What happens next?

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


Compare quotes for your legal costs

When buying your first home you’ll need to appoint a Solicitor or Licensed Conveyancer to carry out the legal work for you.

Compare quotes from our panel of up to 200 conveyancing professionals by using our Halifax Conveyancing Service.

It's quick and easy - you don't even need the new property postcode!

Halifax Conveyancing Service

Using the Halifax Conveyancing Service isn’t a requirement of applying for a mortgage with us and inclusion of a firm on our eConveyancing panel does not constitute a recommendation or endorsement of that firm by the Halifax.

Things to know when moving home.

How much does it all cost?

We'll only lend you a certain percentage of either the purchase price or the property valuation, whichever is lower. So you'll need to use some of your own money to buy the property – a deposit. We usually ask for at least a 5% deposit from your own money. However, if you can pay more, you can often get a cheaper mortgage product.

As well as your deposit, there are other costs associated with buying a property and taking out a mortgage. Typical ones that apply to most buyers include conveyancing fees, Stamp Duty Land Tax/Land and Buildings Transaction Tax (properties in Scotland), valuation fees and Land Registry fees. There are often unexpected costs too in buying a property, so it's a good idea to have a reserve fund to cover them.

How much could I borrow?

You can use our online calculator to get an idea of how much you could borrow. Or, to get a better indication we can provide you with a Mortgage Promise. We'll start by asking about your income, for example your basic salary and any regular overtime or bonuses. We'll also ask about your regular outgoings, for example credit card or personal loan repayments, and we'll take these off your income. After that, we make a further allowance for average day-to-day living expenses. This allows us to see how much we think you can afford for your mortgage payment each month.

As part of our process of assessing whether we think you can afford the loan, we'll ask your permission to contact a credit reference agency. They can give us information about:

  • how you've conducted your finances in the past
  • how many credit commitments you've got and how long they will last
  • whether you've kept the payments up to date.

We'll use credit scoring to help us decide whether to lend you money. We can also use it to set interest rates for some products. Credit scoring works by awarding you points based on the information that:

  • you give us about yourself
  • we already have about you, if you've an existing relationship with us
  • is on your credit file at the credit reference agency.

We use this information to predict how big a risk we’re taking by lending you money. If you score enough points, we'll provide you with a Mortgage Promise.

What types of properties will you lend on?

The property must be located within the UK and loans can only be used for your main residential home or for purposes relating to this home.

We'll consider lending you money to buy different types of property. We may ask you to provide a bigger deposit on some types of property than others. Any loan we make will be subject to a satisfactory property valuation by a surveyor of our choice.

Is there a minimum purchase price?

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 lower of the valuation or purchase price is below £40,000.

What are the risks I should be aware of?

A mortgage has one key difference to other loans - it's secured against your home. If you can't keep up with your monthly repayments or you get into financial difficulties you should contact us straight away so we can give you the help you need.

Remember, house prices can go down as well as up. If you owe more than the current value of your home, you will be in negative equity. If you need to move home and sell your property, and if its value has dropped below what you paid for it, there may be a shortfall between the amount you owe on your mortgage and the amount you get for the sale which you will need to repay.

What should I consider when applying for a mortgage?

Mortgages can last for a long time, so it's important you get the one that's right for you. You'll need to think about such things as the type of loan, how long you want it for and what type of product you'd like.

Methods of repayment - there are three different ways of repaying your mortgage. These are repayment, interest-only, and a combination of repayment and interest-only.

Mortgage terms - mortgage terms of up to 40 years are available. How long the mortgage lasts will affect your monthly payments and the total cost of the mortgage. With a repayment mortgage, the longer the term, the lower the monthly payment. However, it'll take you longer to pay off the loan so you will pay more interest. This means it'll cost you more over the life of your mortgage. With an interest-only mortgage, the length of the term makes no difference to the monthly payments because these are only paying off the interest charges and not the loan itself. With an interest-only mortgage your mortgage term needs to match the time when you will have enough money in your repayment plan(s) to repay the loan.

Mortgage products - we may have different types of mortgage products with different types of interest rates. These change from time to time and we'll give you details of the current range when you apply.

Product incentives - from time to time we may offer mortgage products that include an incentive. The interest rate for products with incentives may sometimes be slightly higher than for products without incentives. So you'll need to consider whether the incentive available at the start of the mortgage is more important to you than the slightly lower interest rate you may get during the product rate period without the incentive.

Your mortgage adviser will ask you about your preferences and discuss your needs and circumstances before deciding which mortgage to recommend to you.

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?

This will depend on the mortgage product, there may be a product fee to pay and early repayment charges if you repay early. 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.

There are other costs associated with buying a property and taking out a mortgage.

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.

Special offers for home movers.

£500 to spend on our Mortgage Gift website

When you take out a qualifying mortgage with us we’ll give you £500 to spend online at the Halifax Mortgage Gift website. With choice of over 40,000 items, from funky fridges to days out, gadgets to garden furniture or even Love2Shop gift cards – a fantastic way to get your home off to a cool start.

  • Available to home movers who complete on a qualifying mortgage
  • Apply by 12th August 2018
  • Minimum £25,000 loan
  • Gift site login details will be sent to you within 30 days of completion. One offer per mortgage, valid for 6 months from date of letter and no cash alternative
  • Offer can be withdrawn at any time and excludes product transfers, further advances, buy to let and applications through Halifax Intermediaries.

How much can I borrow?


Make your move with a 5% deposit.

At the Halifax, we believe that people who give extra should get extra in return.

We also understand that moving home can be quite a challenge to say the least. To give our customers a helping hand, we’re offering a range of mortgages to first time buyers and home movers with just a 5% deposit.

Which means it’s now even easier to make your move with Halifax.

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


Best Overall Lender.

Best overall mortgage lenderWe've won the what Mortgage 2017 award for Best Overall Mortgage Lender

Step 1

Apply for an Agreement in Principle.

An Agreement in Principle will tell you how much we could lend you. Most estate agents will ask to see this to show that you're a serious buyer.

  • Free of charge and no obligation to apply for a mortgage with us
  • Complete one online - it takes less than 15 mins
  • No effect on your credit rating even if you're declined
  • Required before you can begin your full application with us.

Apply for an Agreement in Principle

Find out more about an Agreement in Principle

Step 2

Begin your full mortgage application.

Once you've completed your Agreement in Principle with us, you'll need to speak to one of our qualified mortgage advisers who'll provide you with a personalised recommendation on the mortgage term, product and rate that’s right for you..

You can complete your full mortgage application:

  • On the phone by calling us on 0345 850 3705 Mon-Fri 8am - 8pm Sat 9am - 4pm
  • Or by speaking to one of our mortgage advisers in branch - you'll need to book an appointment beforehand.

Book a branch appointment

Find out more about the mortgage application process

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


Find out about your new area.

Moving home? Use our Location Finder to help make finding your new home easier.


Government Schemes.

Help to Buy - Backed by HM GovernmentHalifax supports a range of government backed initiatives to help people buy a home. So whether you're a first time buyer or moving home there could be a scheme that's right for you.