Our Halifax 5 year fixed rate mortgage tables are updated daily to give you the best Halifax 5 year fixed mortgage deals on the market. The Halifax 5 year fixed rate mortgage below are the lowest fixed mortgage rates available with early repayment charges. If you have any questions about the Halifax 5 year fixed mortgage rate schemes below contact us with any queries.
Current Halifax 5 year fixed mortgage rates based on a property value of £200,000 and a mortgage of £120,000 . This represents a 60% LTV repayment mortgage.
Showing 10 out of 12 matching Halifax 5 year fixed mortgage rates, correct as of 13/09/2026.
| Lender | Initial Rate | Mortgage Type | Initial Period | Max LTV | APRC | Product Fee | Monthly Payment | More Information |
|---|---|---|---|---|---|---|---|---|
| Halifax | 4.48% | Fixed | for 5 years | 60% | 6.3% | £999.00 | £664.99 | See more information |
| Halifax | 4.48% | Fixed | for 5 years | 60% | 6.3% | £999.00 | £664.99 | See more information |
| Halifax | 4.55% | Fixed | for 5 years | 60% | 6.2% | No fee | £669.75 | See more information |
| Halifax | 4.55% | Fixed | for 5 years | 60% | 6.2% | No fee | £669.75 | See more information |
| Halifax | 4.68% | Fixed | for 5 years | 60% | 6.4% | £999.00 | £678.64 | See more information |
| Halifax | 4.68% | Fixed | for 5 years | 60% | 6.4% | £999.00 | £678.64 | See more information |
| Halifax | 4.75% | Fixed | for 5 years | 60% | 6.3% | No fee | £683.46 | See more information |
| Halifax | 4.75% | Fixed | for 5 years | 60% | 6.3% | No fee | £683.46 | See more information |
| Halifax | 4.88% | Fixed | for 5 years | 60% | 6.5% | £999.00 | £692.45 | See more information |
| Halifax | 4.88% | Fixed | for 5 years | 60% | 6.5% | £999.00 | £692.45 | See more information |
Halifax Lloyds Loyalty Premier Intermediary 5 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.48% giving you a monthly payment of £664.99 .
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 £829.80 .
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 £42,993.37 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | 31-Dec-2031 |
Repayments
Initial Monthly Payment
£664.99
Ongoing Monthly Payment
£829.80
True Cost Over Initial Period
£42,993.37
Total Amount Repayable
£239,655.97
Lloyds Loyalty Premier Intermediary 5 Year Fixed £999 Fee Purchase - Mortgage Details
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.48%
Initial rate period: 5 years
Initial monthly payment: £664.99
Monthly payment after initial period: £829.80
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £1,099.00
APR: 6.3%
Early repayment charge: 31-Dec-2031
True cost over initial period: £42,993.37
True cost over full mortgage term: £239,655.97
Halifax Lloyds Loyalty Premier Intermediary FTB 5 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.48% giving you a monthly payment of £664.99 .
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 £829.80 .
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 £42,993.37 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | 31-Dec-2031 |
Repayments
Initial Monthly Payment
£664.99
Ongoing Monthly Payment
£829.80
True Cost Over Initial Period
£42,993.37
Total Amount Repayable
£239,655.97
Lloyds Loyalty Premier Intermediary FTB 5 Year Fixed £999 Fee Purchase - Mortgage Details
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.48%
Initial rate period: 5 years
Initial monthly payment: £664.99
Monthly payment after initial period: £829.80
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £1,099.00
APR: 6.3%
Early repayment charge: 31-Dec-2031
True cost over initial period: £42,993.37
True cost over full mortgage term: £239,655.97
Halifax Lloyds Loyalty Premier Intermediary 5 Year Fixed No Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.55% giving you a monthly payment of £669.75 .
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 £830.83 .
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 £42,294.25 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | No product fee is shown for this mortgage. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £100.00 |
| Early Repayment Charge | 31-Dec-2031 |
Repayments
Initial Monthly Payment
£669.75
Ongoing Monthly Payment
£830.83
True Cost Over Initial Period
£42,294.25
Total Amount Repayable
£239,200.96
Lloyds Loyalty Premier Intermediary 5 Year Fixed No Fee Purchase - Mortgage Details
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.55%
Initial rate period: 5 years
Initial monthly payment: £669.75
Monthly payment after initial period: £830.83
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: No product fee is shown for this mortgage.
Arrangement fee: £0.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £100.00
APR: 6.2%
Early repayment charge: 31-Dec-2031
True cost over initial period: £42,294.25
True cost over full mortgage term: £239,200.96
Halifax Lloyds Loyalty Premier Intermediary FTB 5 Year Fixed No Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.55% giving you a monthly payment of £669.75 .
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 £830.83 .
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 £42,294.25 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | No product fee is shown for this mortgage. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £100.00 |
| Early Repayment Charge | 31-Dec-2031 |
Repayments
Initial Monthly Payment
£669.75
Ongoing Monthly Payment
£830.83
True Cost Over Initial Period
£42,294.25
Total Amount Repayable
£239,200.96
Lloyds Loyalty Premier Intermediary FTB 5 Year Fixed No Fee Purchase - Mortgage Details
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.55%
Initial rate period: 5 years
Initial monthly payment: £669.75
Monthly payment after initial period: £830.83
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: No product fee is shown for this mortgage.
Arrangement fee: £0.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £100.00
APR: 6.2%
Early repayment charge: 31-Dec-2031
True cost over initial period: £42,294.25
True cost over full mortgage term: £239,200.96
Halifax Intermediary 5 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.68% giving you a monthly payment of £678.64 .
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 £832.73 .
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 £43,853.32 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | 31-Dec-2031 |
Repayments
Initial Monthly Payment
£678.64
Ongoing Monthly Payment
£832.73
True Cost Over Initial Period
£43,853.32
Total Amount Repayable
£241,210.33
Intermediary 5 Year Fixed £999 Fee Purchase - Mortgage Details
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.68%
Initial rate period: 5 years
Initial monthly payment: £678.64
Monthly payment after initial period: £832.73
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £1,099.00
APR: 6.4%
Early repayment charge: 31-Dec-2031
True cost over initial period: £43,853.32
True cost over full mortgage term: £241,210.33
Halifax Intermediary FTB Green AB EPC Cashback 5 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.68% giving you a monthly payment of £678.64 .
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 £832.73 .
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 £43,603.32 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | 31-Dec-2031 |
Repayments
Initial Monthly Payment
£678.64
Ongoing Monthly Payment
£832.73
True Cost Over Initial Period
£43,603.32
Total Amount Repayable
£240,960.33
Incentives
Cash Back
£250.00
Intermediary FTB Green AB EPC Cashback 5 Year Fixed £999 Fee Purchase - Mortgage Details
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.68%
Initial rate period: 5 years
Initial monthly payment: £678.64
Monthly payment after initial period: £832.73
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £1,099.00
APR: 6.4%
Cashback: £250.00
Early repayment charge: 31-Dec-2031
True cost over initial period: £43,603.32
True cost over full mortgage term: £240,960.33
Halifax Intermediary Green AB EPC Cashback 5 Year Fixed No Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.75% giving you a monthly payment of £683.46 .
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 £833.74 .
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 £42,907.98 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | No product fee is shown for this mortgage. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £100.00 |
| Early Repayment Charge | 31-Dec-2031 |
Repayments
Initial Monthly Payment
£683.46
Ongoing Monthly Payment
£833.74
True Cost Over Initial Period
£42,907.98
Total Amount Repayable
£240,504.36
Incentives
Cash Back
£250.00
Intermediary Green AB EPC Cashback 5 Year Fixed No Fee Purchase - Mortgage Details
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.75%
Initial rate period: 5 years
Initial monthly payment: £683.46
Monthly payment after initial period: £833.74
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: No product fee is shown for this mortgage.
Arrangement fee: £0.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £100.00
APR: 6.3%
Cashback: £250.00
Early repayment charge: 31-Dec-2031
True cost over initial period: £42,907.98
True cost over full mortgage term: £240,504.36
Halifax Intermediary FTB Green AB EPC Cashback 5 Year Fixed No Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.75% giving you a monthly payment of £683.46 .
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 £833.74 .
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 £42,907.98 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | No product fee is shown for this mortgage. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £100.00 |
| Early Repayment Charge | 31-Dec-2031 |
Repayments
Initial Monthly Payment
£683.46
Ongoing Monthly Payment
£833.74
True Cost Over Initial Period
£42,907.98
Total Amount Repayable
£240,504.36
Incentives
Cash Back
£250.00
Intermediary FTB Green AB EPC Cashback 5 Year Fixed No Fee Purchase - Mortgage Details
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.75%
Initial rate period: 5 years
Initial monthly payment: £683.46
Monthly payment after initial period: £833.74
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: No product fee is shown for this mortgage.
Arrangement fee: £0.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £100.00
APR: 6.3%
Cashback: £250.00
Early repayment charge: 31-Dec-2031
True cost over initial period: £42,907.98
True cost over full mortgage term: £240,504.36
Halifax Intermediary 5 Year Fixed £999 Fee New Build (Complete by 31/08/27)
Mortgage Summary
For the first 5 years the mortgage rate is 4.88% giving you a monthly payment of £692.45 .
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 £835.61 .
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 £44,723.35 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | 31-Dec-2031 |
Repayments
Initial Monthly Payment
£692.45
Ongoing Monthly Payment
£835.61
True Cost Over Initial Period
£44,723.35
Total Amount Repayable
£242,762.92
Intermediary 5 Year Fixed £999 Fee New Build (Complete by 31/08/27) - Mortgage Details
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.88%
Initial rate period: 5 years
Initial monthly payment: £692.45
Monthly payment after initial period: £835.61
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £1,099.00
APR: 6.5%
Early repayment charge: 31-Dec-2031
True cost over initial period: £44,723.35
True cost over full mortgage term: £242,762.92
Halifax Intermediary FTB Green AB EPC Cashback 5 Year Fixed £999 Fee New Build (Complete by 31/08/27)
Mortgage Summary
For the first 5 years the mortgage rate is 4.88% giving you a monthly payment of £692.45 .
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 £835.61 .
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 £44,473.35 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | 31-Dec-2031 |
Repayments
Initial Monthly Payment
£692.45
Ongoing Monthly Payment
£835.61
True Cost Over Initial Period
£44,473.35
Total Amount Repayable
£242,512.92
Incentives
Cash Back
£250.00
Intermediary FTB Green AB EPC Cashback 5 Year Fixed £999 Fee New Build (Complete by 31/08/27) - Mortgage Details
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.88%
Initial rate period: 5 years
Initial monthly payment: £692.45
Monthly payment after initial period: £835.61
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £1,099.00
APR: 6.5%
Cashback: £250.00
Early repayment charge: 31-Dec-2031
True cost over initial period: £44,473.35
True cost over full mortgage term: £242,512.92
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.
Once you compared the Halifax 5 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. We normally do not charge a fee for mortgage advice, however this is dependent on your circumstances such as complex cases or debt consolidation. Our typical fee would be £399.
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.
