Halifax
BankHalifax is the UK's largest mortgage lender by volume and a household name for home loans, operating as a division of Lloyds Banking Group. Originally founded as the Halifax Permanent Benefit Building and Investment Society, it remains one of the most recognised brands in UK mortgage lending.
Visit WebsiteHalifax
Lending Focus
Halifax offers mortgage products across 4 categories including Residential, Buy-to-Let, Shared Ownership and 1 more.
Key Features
- UK's largest mortgage lender by volume with extensive product range
- Cashback offers on selected fixed-rate mortgage products
- Support for shared ownership and Help to Buy schemes
- Online mortgage application and tracking portal
- Free standard valuation on most mortgage products
Pros & Cons
Pros
- UK's largest mortgage lender with extensive experience and product range
- Free standard valuation on most mortgage products
- Cashback offers available on selected deals
- Strong support for first-time buyers including shared ownership
Cons
- –Maximum loan capped at £2 million — not suitable for very high-value properties
- –Does not offer offset mortgages
- –Rates not always the most competitive compared to smaller building societies
Fees & Charges
Arrangement Fee
£999 or fee-free options available
Valuation Fee
Free standard valuation on most products
Early Repayment Charge
1–5% during the initial deal period
Overpayment Allowance
Up to 10% per year without charge
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for Halifax. In the meantime, visit their website for the latest rates.
View rates on HalifaxApplication Process
Processing Time
2–3 weeks from application to offer
Online DIP
Yes — available online
Offer Valid For
6 months
Lending Criteria
Maximum LTV
95%
Max Loan Amount
£2m
Min Loan Amount
£25k
Rate Types
fixed, tracker, discount
Frequently Asked Questions
Does Halifax offer 95% mortgages for first-time buyers?
Does Halifax accept gifted deposits?
How long does a Halifax mortgage offer last?
Can I track my Halifax mortgage application online?
How to Apply
Direct & Broker Access
You can apply directly with Halifax or through a mortgage broker. Using a broker gives you access to the whole market and may secure better terms. Find a broker
Contact Information
Need a Halifax Broker?
Find FCA-regulated mortgage brokers who have Halifax on their lender panel.
Find a BrokerRegulatory Status
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.