Halifax Mortgages & Product Transfers
We have access to Halifax's mortgage products available through our panel, including exclusive deals and product transfers for existing customers. We compare them against our comprehensive lender panel to assess which available option may suit your circumstances.
Getting a Mortgage with Halifax
As the UK's largest mortgage lender, Halifax offers a wide and competitive range of mortgage products for first-time buyers, home movers, and those looking to remortgage. If you're an existing customer, we can secure a Halifax product transfer (rate switch) for you, often with no legal fees or valuation needed. But before you lock in, we'll check if another lender could save you more money.
- Review of Halifax mortgage products available through our panel
- Hassle-free product transfers for existing Halifax customers
- We compare Halifax against 80+ other UK lenders
- Full management of your application from start to finish
- free initial mortgage advice
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Your home may be repossessed if you do not keep up repayments on your mortgage.
Halifax Product Transfers
If your current Halifax mortgage deal is coming to an end, you might be offered a product transfer. This is a quick way to secure a new rate without a full remortgage. We can arrange this for you while also checking if switching to a new lender would be cheaper.
First-Time Buyers & Home Movers
Halifax provides various options for those buying a property, including competitive LTV (Loan-to-Value) products and flexible lending criteria. We can help you navigate their requirements and prepare an application that reflects your circumstances.
Why Use a Broker for Halifax?
Going direct means you only see one bank's products. By using us, you get access to Halifax's deals plus our comprehensive panel of 80+ lenders. We handle the paperwork, chase the lender, and help you assess the costs and suitability of the available options.
Halifax at a glance
Part of Lloyds Banking Group. Established 1853. Headquartered in Halifax, West Yorkshire. FCA firm reference number 169628.
Specialties
- UK's largest mortgage lender by gross lending
- First-time buyer specialism (First-Time Buyer Boost)
- New-build residential lending up to 95% LTV
- Large loans and professionals mortgages
Lending criteria highlights
- Min income: No formal minimum
- Max LTV: 95% residential, 75% BTL
- Max age at term end: 80 (residential)
- Self-employed: 2 years' SA302s (1 year considered case-by-case)
- Contractors: Day-rate contractors: annualised at weekly rate x 46
- Min loan: £25,001
- Max loan: £5m
Where Halifax shines
- Widely accepted new-build valuations
- Higher income multiples (up to 5.5x) for eligible earners
- Fast application-to-offer times via broker channel
Watch-outs
- Stricter on retained bonuses (typically 60%)
- Interest-only requires £50k+ equity buffer
- Source
- Halifax lender or intermediary information, FCA Register records and adviser research
Halifax does not publish an explicit position on every point covered here. Where that is the case, the guidance reflects our adviser experience and should be confirmed with the lender before application.
Sources & further reading
These links include lender or intermediary information, background reading and FCA Register records. A general lender page does not substantiate every criterion above. Check current criteria before applying. You can independently verify lender authorisation on the FCA Financial Services Register.
Halifax Mortgages & Product Transfers — FAQs
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Get Free Expert Advice
Your initial mortgage consultation is free with no obligation. If you decide to proceed with an application, a broker fee may apply depending on the complexity of your case — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). The exact amount is explained and agreed in writing before any chargeable work begins. Lenders may also pay us a procuration fee on completion.
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