Halifax Mortgage Rates 2025 – Compare the Latest Fixed, Tracker & Remortgage Deals
Compare the latest fixed, tracker & remortgage deals — with expert guidance to get approved first time.
Halifax remains one of the UK’s most active high-street lenders for first time buyers, remortgages, and complex cases.
Reviewed by Jason Foord – Mortgage & Property Finance Expert
🔒 No Impact on Credit Score
Expert Insight:
Small changes to how income and documents are presented can shift Halifax affordability by 5–10% and prevent auto-referrals — we pre-model and package cases to match current policy.
Latest Halifax Mortgage Rates – Updated Monthly
| Product | LTV | Initial Rate | Fee | Revert / SVR |
| 2 year fixed (new purchase) | 60% | from 3.99% | £0 | from 7.49% |
| 5 year fixed (remortgage) | 75% | from 4.02% | £999 | from 7.49% |
| Tracker (BoE + 0.11%) | 60% | from 4.11% | £1499 | from 7.49% |
Last Review December 2025 rates are updated monthly and depend on individual affordability and credit score. Speak to an adviser for your personalised options.
How Halifax Really Operates (and Why It Matters)
Unlike rate comparison tables online, Halifax pricing is driven by risk modelling and income verification behaviour — not just LTV or credit score.
Their affordability system (HFI model) cross-checks declared income, expenditure, and stability of employment.
If you’ve got multiple income streams, director dividends, or variable overtime, Halifax will often cap borrowing lower than headline calculators suggest.
“We pre-model every Halifax case through their internal affordability bands before submission — because the difference between a 4.49× and a 4.25× multiple can mean £25,000 in borrowing power.” — Jason Foord, CeMAP“
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What Really Influences Halifax Acceptance
Income & Affordability
Halifax typically lends up to 4.49× income, but caps:
“We routinely restructure income evidence — such as averaging net profit and PAYE — to align with Halifax’s underwriter interpretation.”
Loan to Value (LTV)
“One client recently dropped their LTV from 91% to 89.9% — saving 0.25% on rate and £1,400 in lender fees.”
Documentation Quirks
Halifax requires:
Failure to match declared income across all docs = auto-refer.
We pre-vet every document before submission.
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Specialist Scenarios Halifax Handles (and Where They Don’t)
| Scenario | Halifax Approach | Tip |
| Self-employed | 2 years’ accounts (can accept 1 if growth stable) | Provide full SA302s + tax overviews |
| Contractors | Daily rate × 5 × 48 weeks | Show continuity of contract |
| New Builds | 90% max for houses, 85% flats | Ensure developer incentives disclosed |
| Interest-Only | Up to 75% LTV | Must show credible repayment plan (ISA, pension, other property) |
| Adverse Credit | Minor late payments accepted | Defaults/CCJs reviewed case-by-case |
“We’ve had Halifax offer approvals on complex director incomes by presenting both salary + dividend averages and adding accountant’s confirmation.”
Lending Policy Edge: What Most Brokers Miss
Halifax’s credit scoring integrates:
We map these in pre-application to boost score pass rates.
“Halifax’s system auto-declines on missing dependents data more than poor credit — that’s a quick win most brokers don’t know.”
Compliance & Transparency
All advice is FCA-regulated and compliant with MCOB rules
Aim for a stronger LTV band (e.g., Your credit file is only soft-checked during eligibility
No impact on your score until you decide to apply
We operate under Verifi Mortgages (FCA No. 997175) for full transparency
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Why Borrowers Trust Us with Halifax Cases
“We don’t gamble on lender calculators — we reverse-engineer approvals.”
FAQs – Halifax Mortgage Rates
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