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Explore Halifax Mortgage Options With Expert Advice
Halifax, a major UK lender, offers flexible residential and buy-to-let mortgages with competitive rates. They cater to a diverse range of borrowers, including the self-employed and contractors, providing robust support and reliable underwriting.
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One Of The UK's Established Mortgage Lenders
Estimate your borrowing capacity with our free Mortgage-Tek calculator. This tool helps contractors, freelancers, self-employed individuals, and limited company directors understand their potential.
- History: Founded in 1853, Halifax is one of the UK's most recognised mortgage lenders with over 170 years of experience.
- Mortgage Products: A broad range including fixed, tracker, buy-to-let, and first-time buyer mortgages.
- Online Access: Manage your mortgage 24/7 through Halifax's online portal and mobile app.
- Customer Support: Dedicated support teams available in branch, by phone, and digitally.
Mortgage Solutions Available Through Halifax
From your first home to a buy-to-let portfolio, Halifax offers a wide range of mortgage products to suit every need.
First-Time Buyer Mortgages
Specialist products designed to help first-time buyers get on the property ladder with competitive rates and flexible deposits.
Learn More →Home Mover Mortgages
Flexible options for those moving up or downsizing, with porting options to take your current rate with you.
Learn More →Remortgage Mortgages
Switch your current deal or release equity with Halifax's competitive remortgage range and fee-free options.
Learn More →Buy-to-Let Mortgages
Purpose-built products for landlords and property investors, with rental income assessment available.
Learn More →Fixed Rate Mortgages
Lock in your monthly payments with 2, 3 or 5-year fixed rate deals, providing certainty against rate rises.
Learn More →Tracker Mortgages
Variable rate products that track the Bank of England base rate, ideal for those expecting rates to fall.
Learn More →Could Halifax Be Suitable For Your Circumstances?
Halifax caters to a broad range of borrower profiles. Here are the main circumstances where Halifax could be the right lender for you.
First Time Buyers
Halifax offers competitive deals for first-time buyers including Help to Buy and shared ownership support.
- Up to 95% LTV available
- Government scheme support
- Dedicated broker guidance
Home Movers
Port your existing deal or upgrade to a better rate when moving to your next property.
- Porting options available
- Flexible deposit terms
- Simultaneous exchange support
Remortgages
Switch from your current lender and potentially save thousands with a competitive Halifax deal.
- Free legal and valuation
- No product fees available
- Equity release options
Property Investors
Buy-to-let products with rental income assessed and competitive rates for experienced landlords.
- Portfolio landlord accepted
- HMO properties considered
- Limited company BTL
Self Employed
Halifax can consider 1 or 2 years of accounts, with flexible assessment for complex income structures.
- 1 year accounts accepted
- Director dividends included
- SA302 & tax overview
Professionals & Contractors
Day-rate contractors and salaried professionals can both benefit from tailored Halifax criteria.
- Day rate calculation used
- Recent graduates accepted
- Low deposit options
Straightforward Journey To Your Mortgage
Free Consultation
Speak with a specialist broker at no cost to discuss your goals and circumstances.
Mortgage Assessment
We review your income, credit profile, and deposit to find the right products.
Compare Products
We search the whole market to find you the best available rate.
Submit Application
We handle the paperwork and liaise directly with the lender on your behalf.
Mortgage Offer
Receive your formal mortgage offer and move forward to completion with confidence.
More Choice. Better Guidance. Greater Confidence.
Working with an independent broker gives you access to a wider market, specialist knowledge, and genuine support — everything you need to make the right mortgage decision.
Whole-Market Comparison
We search the entire market, giving you access to every available deal.
Specialist Advice
Expert brokers who know lender criteria inside out, ensuring your application is perfectly positioned.
Competitive Products
Access to exclusive rates not available direct, securing you the best possible mortgage deal.
Personalised Solutions
Tailored to your income type and circumstances, whether employed, self-employed or contracting.
Transparent Process
No hidden fees, clear communication at every step so you always know where you stand.
Long-Term Support
We stay with you beyond completion, ready to help when your fixed rate ends or circumstances change.