Halifax product transfer rates from 1.23% – existing customers only

Halifax Mortgage customers

  • Existing Halifax borrower?
  • Looking to request a transfer to a new mortgage product?
  • Not happy with the rates you have seen so far?
  • We answer our phone in seconds on 020 8783 9952
  • No need to book an appointment with a Mortgage Adviser
  • Prefer to work online? click here

Product Transfer Rates

We are pleased to announce a superb opportunity for existing Halifax mortgage clients to switch to their excellent new fixed rates.
[rates available are dependent on outstanding balance – details below]

  • 2 year fixed rate 1.23% until 31st January 2023
  • 3 year fixed rate 1.30% until 31st January 2024
  • 5 year fixed rate 1.35% until 31st January 2026

7 Great things about Halifax Product Transfers

  1. You can reserve your new deal with us – now
    You can reserve a new Halifax mortgage product up to 90 days before your current deal ends. If your new Halifax rate is lower, we can even transfer your product early, saving you money.
  2. You can switch quickly
    We can get your new mortgage product offer secured within hours in most cases.
  3. We check your eligibility
    We establish your mortgage balance and current property value and let you know all the rates available to you (including two year fixed rates which are not offered to you when you deal direct with Halifax).
  4. There’s no credit check
    A Halifax product transfer is available regardless of your recent credit history.
  5. Changes in your circumstances are not a problem
    We can arrange a Halifax product transfer even if your income has dropped or one borrower has stopped working.
  6. There’s no need for a house valuation
    We obtain a valuation of your property from Halifax, same day, at no cost.
  7. There’s no need for a solicitor
    You won’t need a solicitor to finalise your Halifax product transfer.

What our Clients say...



Eligibility

In order to be eligible for Halifax Product Transfer switch:

  • You must be an existing Halifax residential mortgage client
  • Your mortgage account must be up to date with no history of arrears
  • You must be currently on a product with a product end date in the next 90 days

Halifax ‘A’ Numbers Product Transfers

Have you a Halifax mortgage account number starting with an A?

Example
A/36575884-3

Been told you need to go in Branch to make a Product Transfer?

This is no longer the case and our team can assist you online.

Eligibility

In order to be eligible for these products:

  • You must be an existing Halifax residential mortgage client
  • Your mortgage account must be up to date with no history of arrears
  • You must be currently on a product with a product end date in the next 90 days

Halifax Mortgage product transfer rates – no fee products – from £250,000

  • 2 year fixed rate 1.44% until 31st January 2023
  • 3 year fixed rate 1.44% until 31st January 2024
  • 5 year fixed rate 1.44% until 31st January 2026

Halifax Mortgage product transfer rates – Large Loans

Rates applicable to lending from £250,000

  • 2 year fixed rate 1.23% until 31st January 2023
  • 3 year fixed rate 1.30% until 31st January 2024
  • 5 year fixed rate 1.35% until 31st January 2026

Halifax Mortgage product transfer rates – Mid Range Loans under £250,000 over £99,999

  • 2 year fixed rate 1.30% until 31st January 2023
  • 3 year fixed rate 1.39% until 31st January 2024
  • 5 year fixed rate 1.47% until 31st January 2026

Halifax Mortgage product transfer rates – Loans under £100,000

  • 2 year fixed rate 1.93% until 31st January 2023
  • 3 year fixed rate 1.935% until 31st January 2024
  • 5 year fixed rate 1.94% until 31st January 2026

Halifax Mortgage product transfer rates – lending bands

Halifax product transfer rates are priced across lending bands and loan to values.

Lending Bands

  • £0 to £99,999
  • £99,000 to £249,999
  • £250,000 to £7,500,000

Loan to value Bands

  • Up to 60%
  • Up to 75%
  • Up to 85%
  • Up to 95%*
  • Up to £120%*

* these products are designed to assist Halifax mortgage clients who are close to, or drifting into negative equity. £120% loan to value is not available for new borrowers.

Mortgage Product Transfer with another Lender? – click below

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