Remortgage to us

Find out if you could get a better mortgage deal by remortgaging to Halifax. See how our rates compare to your current lender. Even a small drop in your interest rate might help you save.

Remortgage to us

Find out if you could get a better mortgage deal by remortgaging to Halifax. See how our rates compare to your current lender. Even a small drop in your interest rate might help you save.

Start your remortgage journey online

Compare remortgage rates

Use the remortgage calculator to quickly see our rates.

Just tell us your property value and mortgage balance to check our current mortgage rates.


Use our remortgage calculator

Agreement in principle

Apply for an agreement in principle (AIP) - it takes about 10 minutes and won’t impact your credit score.​

When you have your AIP, you can apply for a mortgage online if you don’t need advice. Or you can book an appointment with a mortgage and protection adviser. 

Apply for an AIP

Jump back into your journey

If you’ve already started applying for your remortgage, use the log in details we gave you to complete your application.


 

Log in to your dashboard

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

Trust us with your remortgage

We'll cover some of your fees

We'll sort out and pay your basic legal fee and standard valuation fee.

Extra legal fees may apply.


Remortgage faster

If you have a current account with Lloyds, Halifax or Bank of Scotland, we'll let you know if we can verify your income instantly.

This saves you from sending payslips and speeds up your application.

Experts in mortgage and protection

Free advice and support from the biggest team of mortgage and protection advisers in the market. With an average of over 10 years of experience.

Let's break it down

What is remortgaging?

Remortgaging is when you take out a new mortgage deal on the same property but with a different lender. You might want to consider remortgaging if your current deal is ending. This is different to switching to a new deal with the same lender.

When you remortgage, it usually means paying off your existing loan with your new mortgage deal. Then, you’ll start making repayments to your new lender.

Why remortgage?

A small change can make a big difference. There are plenty of reasons why you might want to remortgage.

  • Remortgage offers can sometimes give you a better interest rate and help you save on repayments.
  • You may want to change your term length.
  • You may want to remortgage to a different type of mortgage.
  • If the value of your home has gone up, you may get a lower mortgage rate.
  • A new mortgage deal can mean you pay more of your mortgage off each month.

Let's take a closer look

  • To remortgage to us, you’ll need the details of 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.

  • There are various steps involved in the process, so it all depends on how long each step takes. This can depend on your circumstances.

    Learn more in our guide to the remortgage timeframe.
     

  • When you remortgage, the amount you could borrow depends on various factors. This includes how much your home is worth and how much you owe on your current mortgage deal.

    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.

    Use our remortgage calculator

  • Our Remortgage Switcher Service means we won't charge you for the survey of your property and we'll also pay for your basic legal work.

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

    Watch our interactive video to find out what happens next and what's needed from you to complete your remortgage.

    There are various options on our accessibility menu to help you and if any mortgage words or phrases seem confusing you can look at the glossary at any time to help explain things clearly.

    We’ve split the Remortgage Switcher Service Process into easy steps for you to follow and you can come back to this video at any point in your mortgage journey to help refresh your memory.

  • 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 other 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 other legal fees apply.

    For more information on basic legal fees and the remortgage conveyancing process, watch our handy video.

  • If you’re looking to borrow more when you remortgage, we’ll first need to find out how much equity you have in your home. We’ll also need to understand your other financial commitments.​

    Our decision to lend will depend on your circumstances. If you’ve already borrowed against your mortgage to consolidate debt within the last 5 years, we won't be able to offer extra borrowing to help pay off your debts again. ​

    Before you choose to borrow more against your home, it’s worth looking at other borrowing options.​

  • When your current mortgage deal ends, your loan will usually be transferred to a Standard Variable Rate set by your lender – unless you choose to remortgage to a new lender or switch to another deal.

  • It's sometimes possible to take a product rate with you to a new mortgage on a different property. This is known as porting a mortgage rate. Your Mortgage Illustration and offer letter will say if your rate is 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.

Our current offers

Take a look at our latest offers and view the details to see if you can apply.

Green Living Reward offers

You could earn cashback of up to £2,000 for making qualifying energy-efficient home improvements.

If your home holds an Energy Performance Certificate (EPC) rating of A or B, you could also get a £250 cashback reward when you remortgage to us.​ 

Go to Green Living offers

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Remortgage support

There’s plenty to think about before you take the plunge. Let us help you.

Remortgaging help

Remortgaging timings

Get more information about the timings and the process.​

Understand remortgaging

Can we help?

Speak to one of our mortgage and protection advisers.
 

Speak to an adviser

Mortgages

Find and apply for the right mortgage with a little help from us. Whether you want to take that first step or plan your next move, your search starts here.

Mortgages

Mortgages

Find and apply for the right mortgage with a little help from us. Whether you want to take that first step or plan your next move, your search starts here.

Mortgages