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Halifax mortgages

Halifax is based in Edinburgh and is now part of the Halifax Bank of Scotland Group (HBOS), after a merger with the Bank of Scotland in 2001. With more than 22 million customers, HBOS is now a major UK banking power.

The Halifax offers mortgages, savings, current accounts, personal loans, insurance, investments, share dealing, travel services and the Halifax credit cards.

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What does Halifax offer?

Halifax is part of the HBOS plc and is the fifth largest Bank in UK. Their website offers a useful guide to buying your first home, including how to create a realistic budget, view appropriate properties and how to prepare for the actual move. Halifax offers three types of mortgage: Flexible Rate, Fixed Rate and Tracker Rate.

A Halifax flexible rate mortgage allows you to change how you make your repayments to suit your circumstances. You can repay your mortgage early by increasing your monthly payments – this in turn could lower the amount of money you pay in interest. You can borrow money quickly and easily, charged at the same rate of interest as your mortgage, and you can even reduce your repayments or take a repayment holiday.

With a Halifax fixed rate mortgage the interest rate you pay will stay the same, and you’ll know exactly how much you will pay per month throughout your fixed rate term.

Halifax tracker rate mortgages are tied to the Bank of England base rate and are charged at an amount just above this rate, meaning the amount you will repay will vary according to the movement of the base rate.

THINK CAREFULLY BEFORE SECURING ANY DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.