Our Halifax 2 year fixed rate mortgage tables are updated daily to give you the best Halifax 2 year fixed mortgage deals on the market. The Halifax 2 year fixed mortgages below are the lowest fixed mortgage rates available with early repayment charges. If you have any questions about the Halifax 2 year fixed mortgage rate schemes below contact us with any queries.
Current Halifax 2 year fixed 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 with a product fee at 60% LTV is 4.78% (Max LTV 60%) with a £999 product fee. Halifax's lowest current 2 year fixed mortgage rate without a product fee at 60% LTV is 4.95% (Max LTV 60%). Rates checked on 28 October 2026.
Showing 10 out of 30 matching Halifax 2 year fixed 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 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 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 4.88% then 7.24% variable | Rate Type Fixed for 2 years | Max LTV 75% | Fees £999.00 Product Fee | APRC 7.1% | Monthly Payment £698.21 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.88% then 7.24% variable | Rate Type Fixed for 2 years | Max LTV 75% | Fees £999.00 Product Fee | APRC 7.1% | Monthly Payment £698.21 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.93% then 7.24% variable | Rate Type Fixed for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 7.1% | Monthly Payment £701.72 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.93% then 7.24% variable | Rate Type Fixed for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 7.1% | Monthly Payment £701.72 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.95% then 7.24% variable | Rate Type Fixed for 2 years | Max LTV 60% | Fees No fee Product Fee | APRC 7% | Monthly Payment £697.31 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.95% then 7.24% variable | Rate Type Fixed for 2 years | Max LTV 60% | Fees No fee Product Fee | APRC 7% | Monthly Payment £697.31 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.98% then 7.24% variable | Rate Type Fixed for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 7.1% | Monthly Payment £705.23 Initial Monthly Payment | More Information More information |
| Lender Halifax | Initial Rate 4.98% then 7.24% variable | Rate Type Fixed for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 7.1% | Monthly Payment £705.23 Initial Monthly Payment | More Information More information |
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 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 2 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.88% (until 31/12/2028) giving you a monthly payment of £698.21 .
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 £860.84 .
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 £18,253.46 , 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 | £698.21 |
|---|---|
| Ongoing Monthly Payment | £860.84 |
| True Cost Over Initial Period | £18,253.46 |
| Total Amount Repayable | £254,123.62 |
Halifax Lloyds Loyalty Premier Intermediary FTB 2 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.88% (until 31/12/2028) giving you a monthly payment of £698.21 .
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 £860.84 .
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 £18,253.46 , 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 | £698.21 |
|---|---|
| Ongoing Monthly Payment | £860.84 |
| True Cost Over Initial Period | £18,253.46 |
| Total Amount Repayable | £254,123.62 |
Halifax Loyalty Club Intermediary 2 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.93% (until 31/12/2028) giving you a monthly payment of £701.72 .
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 £861.13 .
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 £18,344.72 , 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 | £701.72 |
|---|---|
| Ongoing Monthly Payment | £861.13 |
| True Cost Over Initial Period | £18,344.72 |
| Total Amount Repayable | £254,294.34 |
Halifax Loyalty Club Intermediary FTB 2 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.93% (until 31/12/2028) giving you a monthly payment of £701.72 .
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 £861.13 .
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 £18,344.72 , 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 | £701.72 |
|---|---|
| Ongoing Monthly Payment | £861.13 |
| True Cost Over Initial Period | £18,344.72 |
| Total Amount Repayable | £254,294.34 |
Halifax Lloyds Loyalty Premier Intermediary 2 Year Fixed No Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.95% (until 31/12/2028) giving you a monthly payment of £697.31 .
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 £854.14 .
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 £18,230.06 , 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 | £697.31 |
|---|---|
| Ongoing Monthly Payment | £854.14 |
| True Cost Over Initial Period | £18,230.06 |
| Total Amount Repayable | £252,264.42 |
Halifax Lloyds Loyalty Premier Intermediary FTB 2 Year Fixed No Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.95% (until 31/12/2028) giving you a monthly payment of £697.31 .
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 £854.14 .
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 £18,230.06 , 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 | £697.31 |
|---|---|
| Ongoing Monthly Payment | £854.14 |
| True Cost Over Initial Period | £18,230.06 |
| Total Amount Repayable | £252,264.42 |
Halifax Intermediary 2 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.98% (until 31/12/2028) giving you a monthly payment of £705.23 .
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 £861.42 .
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 £18,435.98 , 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 | £705.23 |
|---|---|
| Ongoing Monthly Payment | £861.42 |
| True Cost Over Initial Period | £18,435.98 |
| Total Amount Repayable | £254,465.06 |
Halifax Intermediary FTB Green AB EPC Cashback 2 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.98% (until 31/12/2028) giving you a monthly payment of £705.23 .
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 £861.42 .
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 £18,185.98 , 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 | £705.23 |
|---|---|
| Ongoing Monthly Payment | £861.42 |
| True Cost Over Initial Period | £18,185.98 |
| Total Amount Repayable | £254,215.06 |
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.
Before choosing a Halifax 2 year fixed rate mortgage, it is important to check whether the mortgage is suitable for your circumstances. Halifax considers factors such as your income, deposit, credit history and the property you are buying. Our Halifax mortgage criteria guide explains the key lending requirements and what to consider before applying. The availability of a particular rate will depend on your circumstances and the lender's assessment.
If a 2 year fixed rate is not the right fit, compare Halifax 3 year fixed mortgage rates or Halifax 5 year fixed mortgage rates for a longer period of payment certainty. Alternatively, explore Halifax tracker mortgage rates, or see the full range of current Halifax mortgage rates. If you are looking to switching your existing mortgage, you can also compare Halifax remortgage rates.
Once you compared the Halifax 2 year fixed rate mortgage & remortgage schemes if would like fixed rate mortgage advice, complete our enquiry form and we will contact you to discuses your Halifax mortgage requirements. Go Direct does not charge a broker fee.
The above information does not contain all the details you need to choose a mortgage. Please consult one of our qualified mortgage brokers before undertaking any borrowing/these calculations are for illustration purposes only and may not reflect the true cost of repayment you may make.