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Common new mortgage enquiries
Choosing a Mortgage type and rate suitable for you
More details and interest rates for our comprehensive range of mortgages can be found on the Fixed rate and Tracker rate mortgage pages.
To help you find the best mortgage deal to suit your needs, give one of our dedicated Mortgage Advisers a call on 08458 50 37 05. Lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.
If you choose one of our tracker mortgage deals (not including stepped trackers) you have the option during the tracker rate period, to transfer all or part of your mortgage to one of our Halifax fixed rate mortgage products then available to existing Halifax mortgage customers, free of any early repayment charge which would otherwise apply on transfer. All qualification criteria for the new fixed rate must be met.
Amount you can borrow
This will depend on your circumstances and your monthly financial commitments. You can get an estimate of how much you can borrow using our affordability calculator.
If you have a particular amount in mind, you could apply for an online Mortgage Promise to see if we could lend you the money.
Buy to Let Mortgage
Halifax now offer a range of Buy to Let mortgages, so if you've considered purchasing a property to let, or investing for the longer term, then Halifax could help.
For further information:
Call us on 0845 125 8637
We can call you back
Visit our Buy to Let mortgage page
Definition of APR
APR stands for 'Annual Percentage Rate' and is the rate you actually pay for your mortgage. An APR allows you to compare different mortgage deals, and takes into account:
The interest rate (the initial rate plus subsequent rates)
Any fees and charges e.g. product fees
Length of the mortgage
When to organise your mortgage
Normally the mortgage is arranged once you've had an offer on a property accepted. However, you may find it useful to know how much you can borrow in advance, so you can find a property in your price range.
You can do this with a Mortgage Promise, either online or over the phone. This tells you how much we could lend you (subject to a satisfactory valuation of the property and the information you provide us being correct).
Once you've had an offer accepted on the property you want, you'll need to contact us again so you can make a full mortgage application.
Deposit requirements
We offer a variety of mortgage deals with varying deposit amounts, starting at a minimum of 5% for properties up to £250,000. As a guide, people usually put down between 10-15%.
Proof of Income
When applying for a new mortgage, you may be asked to provide proof of income. Acceptable documentation includes wage/salary slips or if you are self-employed, 3 years accounts.
For more information call 08458 50 37 05. Lines are open 8am to 8pm Monday to Friday, 9am to 4pm Saturday.
Mortgages for people who are self employed?
We offer mortgages to the self-employed, although we may need to see some additional information, for example, evidence of earnings, accounts etc.
Please speak with one of our dedicated Mortgage Advisers on 08458 50 37 05 for more information. Lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.
Arrange to see a Mortgage Adviser
A mortgage is likely to be your biggest financial commitment, so we would always recommend you see one of our specialist Mortgage Advisers. They can help you decide which mortgage is best for you, and answer your more detailed questions.
Call 08458 50 37 05 and we'll book an appointment at a branch and time convenient for you. Lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.
Mortgages for holiday homes / property overseas
Halifax do not offer mortgages on properties overseas. However Banco Halifax Hispania offers mortgages on properties in Spain and Bank of Scotland (Ireland) offers mortgages in the Republic of Ireland. Both are part of the HBOS Group.
Buying properties overseas is subject to any laws and restrictions applicable in that country.
The Halifax House Price Index is based on the lending of the UK's largest mortgage lender and provides the longest unbroken data series of any UK housing index.
Find out more at House Price Index .
Key Workers
In view of the housing difficulties in some areas, it has become difficult to recruit essential staff, (referred to as key workers). These include teachers, health workers, police and firemen.
The Government set up the key worker home initiative to help employees in these occupations buy their first home. The assistance is directed at key workers in London, the South East and hot spots in Eastern and South Western England.
For more information visit the housing corporation .
Self Build Mortgages/Building Mortgages
These are designed for customers who wish to build a property on land they own or customers who wish to buy a property in the course of construction, but are unable to finance the whole construction from their own resources. For further information call 08458 50 37 05. Lines are open 8am to 8pm Monday to Friday, 9am to 4pm Saturday.
Lifetime Mortgage/Retirement Home Plan
A lifetime mortgage provides low payment mortgage finance to the retired and elderly market.
Halifax used to offer one of these types of mortgage which was known as Retirement Home Plan, but does so no longer. If you are an existing mortgage customer and you wish to talk about about your Retirement Home Plan please call 08458 50 37 05. Lines are open 8am to 8pm Monday to Friday, 9am to 4pm Saturday.
Self Certification Mortgages
Self certification (also known as self certified) mortgages are ideal for customers who have diverse sources of income and wish their income to be based on all of their earnings.
Self certification mortgages are not available from Halifax. For further information call 08458 50 37 05. Lines are open 8am to 8pm Monday to Friday, 9am to 4pm Saturday.
Your home may be repossessed if you do not keep up repayments on your mortgage.
