Halifax 2 Year Tracker Mortgage Rates

Compare current Halifax 2 year tracker mortgage rates using the representative £200,000 property and £120,000 repayment mortgage example below (60% LTV). Tracker rates can move up or down during the initial period, so your monthly payments may change. Compare the initial rate, product fee and overall cost, and check any early repayment charges before choosing a deal. For advice on which Halifax tracker mortgage may suit you, contact our fee-free mortgage advisers.

Current Halifax 2 Year Tracker Mortgage Rates

Current Halifax 2 year tracker 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 tracker mortgage rate with a product fee at 60% LTV is 3.99% (Max LTV 60%) with £1,499 product fee. Rates checked on 28 October 2026.

Showing 4 out of 4 matching Halifax 2 year tracker mortgage rates, correct as of 28/10/2026.

Halifax 2 year tracker mortgage rates for a £120,000 repayment mortgage on a £200,000 property
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

Halifax Mortgage Product Details

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 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 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 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

Your home may be repossessed if you do not keep up repayments on your mortgage


Illustrative comparisons use a £200,000 property and a £120,000 repayment mortgage over 25 years (300 monthly payments). Actual rates, fees, repayments and APRC depend on the product and your circumstances. Tracker mortgage payments can rise as well as fall. Comparisons use the Go Direct representative lender panel.

Halifax Mortgage Lending Criteria

Before choosing a Halifax 2 year tracker 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.

Halifax Mortgage Best Buys

If a 2 year tracker rate is not the right fit, compare Halifax 2 year fixed mortgage rates, Halifax 3 year fixed mortgage rates or Halifax 5 year fixed mortgage rates for a period of payment certainty with a fixed rate. Alternatively, see the full range of current Halifax mortgage rates. If you are looking to switch your existing mortgage, you can also compare Halifax remortgage rates.

Halifax 2 Year FixedCompare two-year fixed-rate mortgages Halifax 3 Year FixedCompare three-year fixed-rate mortgages Halifax 5 Year FixedExplore five-year fixed-rate options Halifax RemortgagesReview options for switching an existing mortgage

Need fee-free Halifax 2 year tracker mortgage advice?

After comparing Halifax 2 year tracker mortgages, you can speak with an adviser about the available options and how a variable rate could affect your repayments. Request mortgage advice or explore our wider Halifax mortgage rates. Go Direct does not charge a broker fee.

Mortgage Calculators/Tables

The comparison is illustrative and does not include every factor relevant to a mortgage recommendation. A qualified mortgage adviser can help you assess suitability, fees and the effect of changes to the tracked rate.