Halifax Mortgages FAQ
Who are Halifax?
Halifax was established as a building society in 1853 in the West Yorkshire town where it takes its name from. Today, Halifax is a bank that operates as a trading division of Bank of Scotland, which is owned by Lloyds Banking Group.
Halifax provides a wide range of financial products and services covering all aspect of the banking market. With over 160 years of experience in helping people buy homes, Halifax is one of the UK’s leading mortgage providers. Halifax’s mortgage team can help home buyers throughout the purchasing process.
What types of mortgage do Halifax offer?
Halifax provide a wide range of mortgages covering most types of property buyer. That includes home buyers making their first property purchases, existing homeowners looking to move house or just find a better deal, as well as property investors purchasing for the buy-to-let market.
The Halifax mortgage range covers fixed rate mortgages, flexible mortgages and variable rate mortgages including tracker rate products. The types of mortgage available to you will depend on your individual circumstances and the property you are purchasing.
Halifax provides mortgages on a wide range of LTVs (loan-to-value), which means that they may be able to help you buy a property even if you have a relatively low deposit.
How can I apply for a Halifax mortgage?
If you do not need any advice on your mortgage requirements, you can apply for a Halifax mortgage in person at one of their high street branches, over the phone or online.
However, if you require help with your mortgage needs and/or want to consider other lenders, you should seek advice from an independent qualified mortgage advisor
What are the current Halifax mortgage interest rates?
Halifax mortgage rates change regularly depending on base rate fluctuations, UK property market trends and lender competition. For the latest mortgage interest rates from Halifax’s mortgage product portfolio you can use our whole-of-market mortgage comparison service or you can visit the Halifax website. Using our comparison service allows you to compare Halifax mortgage rates against other leading UK mortgage lenders.
What are the current Halifax mortgage deals?
Like many other competitive mortgage providers, Halifax frequently offer mortgage deals to entice new customers to borrow with them. Halifax mortgage special offers are usually time-limited deals that feature incentives such as cashback, discounted fees, items for your home or exclusive interest rates.