Our Halifax Mortgage Rate Tables allows you to access the complete Halifax mortgage product range, you can also click on the link to visit the Halifax's website to confirm their mortgage lending policy. Our mortgage calculator is updated daily and can help you compare the major mortgage lenders mortgage products. We also offer No Fee mortgage broker advice on the Halifax mortgage range.
Current Halifax mortgage rates based on a property value of £200,000 and a £120,000 repayment mortgage, representing 60% LTV.
Halifax's lowest current 2 year fixed mortgage rate at 60% LTV is 4.78% (Max LTV 60%) with a £999 product fee. Halifax's lowest current 5 year fixed mortgage rate at 60% LTV is 4.78% (Max LTV 60%) with a £999 product fee. Halifax's lowest current tracker mortgage rate at 60% LTV is 3.99% (Max LTV 60%) with a £1,499 product fee. Rates checked 28 October 2026.
Showing 10 out of 94 matching Halifax mortgage rates, correct as of 28/10/2026.
| Lender | Initial Rate | Rate Type | Max LTV | Fees | APRC | Monthly Payment | More Information |
|---|---|---|---|---|---|---|---|
| Lender Halifax | Initial Rate 3.99% then 7.24% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £1,499.00 Product Fee | APRC 6.9% | Monthly Payment £640.05 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 3.99% then 7.24% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £1,499.00 Product Fee | APRC 6.9% | Monthly Payment £640.05 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.14% then 7.24% variable | Rate Type Tracker for 2 years | Max LTV 75% | Fees £1,499.00 Product Fee | APRC 7% | Monthly Payment £650.13 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.14% then 7.24% variable | Rate Type Tracker for 2 years | Max LTV 75% | Fees £1,499.00 Product Fee | APRC 7% | Monthly Payment £650.13 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.78% then 7.24% variable | Rate Type Fixed for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 7% | Monthly Payment £691.24 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.78% then 7.24% variable | Rate Type Fixed for 5 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.4% | Monthly Payment £691.24 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.78% then 7.24% variable | Rate Type Fixed for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 7% | Monthly Payment £691.24 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.78% then 7.24% variable | Rate Type Fixed for 5 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.4% | Monthly Payment £691.24 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.85% then 7.24% variable | Rate Type Fixed for 5 years | Max LTV 60% | Fees No fee Product Fee | APRC 6.4% | Monthly Payment £690.37 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.85% then 7.24% variable | Rate Type Fixed for 3 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.8% | Monthly Payment £696.12 Initial Monthly Payment | More Information More information |
Halifax Intermediary FTB 2 Year Tracker £1499 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 3.99% (until 31/12/2028) giving you a monthly payment of £640.05 .
After your tracker rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £858.91 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £16,741.30 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £1,499.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,599.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £640.05 |
|---|---|
| Ongoing Monthly Payment | £858.91 |
| True Cost Over Initial Period | £16,741.30 |
| Total Amount Repayable | £252,082.64 |
Halifax Intermediary 2 Year Tracker £1499 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 3.99% (until 31/12/2028) giving you a monthly payment of £640.05 .
After your tracker rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £858.91 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £16,741.30 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £1,499.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,599.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £640.05 |
|---|---|
| Ongoing Monthly Payment | £858.91 |
| True Cost Over Initial Period | £16,741.30 |
| Total Amount Repayable | £252,082.64 |
Halifax Intermediary 2 Year Tracker £1499 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.14% (until 31/12/2028) giving you a monthly payment of £650.13 .
After your tracker rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £859.87 .
The maximum Loan to Value (LTV) is 75% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £17,003.38 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £1,499.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,599.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £650.13 |
|---|---|
| Ongoing Monthly Payment | £859.87 |
| True Cost Over Initial Period | £17,003.38 |
| Total Amount Repayable | £252,607.76 |
Halifax Intermediary FTB 2 Year Tracker £1499 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.14% (until 31/12/2028) giving you a monthly payment of £650.13 .
After your tracker rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £859.87 .
The maximum Loan to Value (LTV) is 75% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £17,003.38 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £1,499.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,599.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £650.13 |
|---|---|
| Ongoing Monthly Payment | £859.87 |
| True Cost Over Initial Period | £17,003.38 |
| Total Amount Repayable | £252,607.76 |
Halifax Lloyds Loyalty Premier Intermediary FTB 2 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.78% (until 31/12/2028) giving you a monthly payment of £691.24 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £860.25 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £18,072.24 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £691.24 |
|---|---|
| Ongoing Monthly Payment | £860.25 |
| True Cost Over Initial Period | £18,072.24 |
| Total Amount Repayable | £253,780.74 |
Halifax Lloyds Loyalty Premier Intermediary FTB 5 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.78% (until 31/12/2031) giving you a monthly payment of £691.24 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £841.72 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £42,956.88 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £691.24 |
|---|---|
| Ongoing Monthly Payment | £841.72 |
| True Cost Over Initial Period | £42,956.88 |
| Total Amount Repayable | £243,286.24 |
Halifax Lloyds Loyalty Premier Intermediary 2 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.78% (until 31/12/2028) giving you a monthly payment of £691.24 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £860.25 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £18,072.24 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £691.24 |
|---|---|
| Ongoing Monthly Payment | £860.25 |
| True Cost Over Initial Period | £18,072.24 |
| Total Amount Repayable | £253,780.74 |
Halifax Lloyds Loyalty Premier Intermediary 5 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.78% (until 31/12/2031) giving you a monthly payment of £691.24 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £841.72 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £42,956.88 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £691.24 |
|---|---|
| Ongoing Monthly Payment | £841.72 |
| True Cost Over Initial Period | £42,956.88 |
| Total Amount Repayable | £243,286.24 |
Halifax Lloyds Loyalty Premier Intermediary FTB 5 Year Fixed No Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.85% (until 31/12/2031) giving you a monthly payment of £690.37 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £835.76 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £42,902.94 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £0.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £100.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £690.37 |
|---|---|
| Ongoing Monthly Payment | £835.76 |
| True Cost Over Initial Period | £42,902.94 |
| Total Amount Repayable | £241,813.82 |
Halifax Lloyds Loyalty Premier Intermediary 3 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 3 years the mortgage rate is 4.85% (until 31/12/2029) giving you a monthly payment of £696.12 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £854.80 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £26,552.56 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £696.12 |
|---|---|
| Ongoing Monthly Payment | £854.80 |
| True Cost Over Initial Period | £26,552.56 |
| Total Amount Repayable | £250,510.16 |
Your home may be repossessed if you do not keep up repayments on your mortgage
The APRC quoted is representative and for example purposes, it is based on a £200,000 property with a £120,000 loan over 25 years equating to 300 monthly payments. Best buys are based on the Go Direct representative whole of market panel of lenders.
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