Residential Mortgage Rates
| Product | 60% LTV | 75% LTV | 85% LTV |
|---|---|---|---|
| 2-Year Fixed | 3.79% | 4.04% | 4.39% |
| 5-Year Fixed | 3.69%Best | 3.94% | 4.29% |
| 2-Year Tracker | 4.89% | –% | –% |
| Standard Variable Rate (SVR) | 8.09% |
Buy-to-Let Mortgage Rates
Halifax does not offer buy-to-let mortgages through the broker channel.
Product Transfer Rates
| Product Transfer Type | Indicative Rate | Cashback via DBF |
|---|---|---|
| 2-Year Fixed Product Transfer | 3.64% | Cashback available |
| 5-Year Fixed Product Transfer | 3.59% | Cashback available |
About Halifax
Halifax is the UK's largest mortgage lender by volume, part of Lloyds Banking Group, with a massive share of the residential mortgage market. Their product range is extensive, covering first-time buyers, home movers, remortgagers, new build, shared ownership and product transfers. As a high-volume lender, Halifax typically offers some of the most competitive rates in the mainstream residential market.
Halifax does not offer buy-to-let mortgages directly - their BTL arm is BM Solutions. Their residential criteria are straightforward and widely accessible, making them an excellent first-comparison point for employed borrowers with clean credit. Their product transfer process is efficient, and DBF can process Halifax renewals through their system, often faster than the direct channel, with the benefit of a whole-market comparison first.