Remortgage to us

You could save money by moving your mortgage to Halifax. Let us know what’s important to you and we can build the right deal together.

See if you could get a better mortgage deal

Quickly see our rates

Just tell us a bit about your existing mortgage.

Build your perfect mortgage

We'll ask what's important to you.

Apply online, or get expert advice

Our qualified mortgage advisers can help by phone or in branch.

Any amount we agree to lend is subject to a full mortgage application, where we'll check details like your income and credit score.

Remortgage calculator


Already got a Halifax mortgage? Switch to a new deal with us.


Ready to apply?

Apply for an agreement in principle and find out how much you could borrow.

If you qualify, you can choose to apply online without help or book an appointment to speak with one of our expert mortgage advisers. 

Apply for an agreement in principle

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

What is remortgaging?

Remortgaging is when you end your current mortgage and take out a new deal with a different lender.

This is different to switching to a new mortgage deal.

When you remortgage you can usually use the proceeds from your new deal to pay off your original mortgage.

If you choose to remortgage to Halifax, there’s no valuation fee and we’ll pay for your basic legal work (additional legal fees may apply).

Why remortgage?

There are lots of reasons that you might want to remortgage.

  • You may want to remortgage to save money or for more flexibility with your repayments.
  • Your mortgage is usually your biggest outgoing each month. A small change to your interest rate could mean you saving a lot.
  • You may be eligible for a lower mortgage rate if the value of your home has gone up.
  • A new mortgage deal can mean you pay more of your mortgage off each month.

Up to £1,000 cashback with Green Living Reward

You could qualify for up to £1,000 if you take out a qualifying mortgage and make one or more eligible energy efficient home improvements.

To find out full details of the offer including whether you are eligible, how to register and key dates, please click on the full details of the reward. Conditions and exclusions apply. 

Full details of the reward

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

Build the perfect mortgage

Mortgages shouldn’t be one size fits all. That’s why we’ll build a deal that’s right for you. Just let us know what matters most about the mortgage you want.

Help when you want it

Speak to us online, by phone or in branch. Whatever works for you.

We're the mortgage experts

Our mortgage advisers can make sure you get the right deal.

Speak to a mortgage adviser

Want to speak to us from the comfort of your own home? You can talk to us over the phone or on a video call.

Call us on 0345 850 0248 (Monday to Friday 8am - 8pm and Saturday 9am - 4pm)

Find out more about booking a branch appointment

Already applying for a mortgage with us online?

Pick up where you left off using the sign in details we gave you.

Frequently asked questions


    Remortgaging to us can take roughly 6 to 8 weeks to complete. There are lots of steps involved in the process, so it all depends on how long each step takes. This can vary based on your own personal circumstances.


    Our Remortgage Service means we will not charge you for the survey of your property and we'll also pay for your basic legal work.

    If you require any legal advice, you will have to pay for this yourself. When you apply, you will be able to confirm whether you are happy to use this service. If you choose not to use our Remortgage Service, you must arrange and pay for these services yourself.

  • Our free basic legal work includes:

    • Checking information from the Land Registry relating to the property
    • Contacting existing lenders to confirm outstanding balances
    • Requesting funds upon completion
    • Updating mortgage details at the Land Registry

    You may need to pay additional legal fees in some cases, such as:

    • Transfer of surplus funds upon completion
    • Adding a new customer name or removing an existing customer name from the property register (Transfer of Equity)
    • Extending a lease
    • Shared Equity or Shared Ownership work
    • Resolving name and address discrepancies
    • Copy Documentation requirements

    Our conveyancers will let you know if any additional legal fees apply.


    The amount you could borrow depends on lots of factors. This includes how much your home is worth and how much you owe on your current mortgage.

    We’ll assess how much we think you could afford to borrow, if you can borrow more than you owe and if you’ll need to pay a deposit.


    In order for you to be able to borrow more, we’ll first need to find out how much equity you have in your home and your other outgoings.

    If you’ve already borrowed against your mortgage to combine existing debts like credit cards and loans within the last 5 years, we won't be able to offer extra borrowing to pay off your debts again. Before you choose to borrow more against your home, it’s worth looking at other options.


    When your current mortgage deal ends, your loan will be transferred to one of our Lender Variable Rates. At this point, you may choose to move your mortgage to a new product or deal for a set period of time.


    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.


    When you apply for a remortgage with us, you do not need to do a mortgage Agreement in Principle.

    If you want an idea of how much we could lend you, then you can apply for an AIP. It won’t affect your credit rating.


    In order to remortgage to us, you’ll need to provide details about yourself and anyone else who is named on the mortgage:

    • Name, address, date of birth and contact details.
    • Salary.
    • Monthly outgoings.
    • Dependents and people you may care for.
    • Retirement plans.

    We’ll also need the following:

    • Information about the property to be mortgaged, including the year it was built.
    • Your lender and mortgage balance.
    • Documents which confirm what you have told us.