Compare Halifax remortgage deals
Whether your mortgage is with Halifax or another lender, remortgaging offers a chance to cut your monthly expenditure and save you a significant amount of money in the long term.
Halifax offer a simple 2-step remortgaging process, making it quick and simple to remortgage to Halifax. As an added incentive, if you apply before 2nd July 2017, Halifax will give you £300 cashback when you move your mortgage to them from another lender.
Use the mortgage comparison table above to compare the latest remortgage deals from Halifax and a range of other leading lenders.
Our Halifax remortgage service
Our experienced specialist mortgage brokers offer the following:
- Compare Halifax remortgage deals with the whole market - we work with over 60 UK lenders
- The lowest interest rates on the market – access to all the leading mortgage rates
- Exclusive deals from private lenders – get attractive deals not available on the high street
- Fast remortgage turnaround - speak to us today if you need to move quickly
- Remortgages for bad credit – we have access to lenders willing to look beyond previous defaults and missed payments
- Additional borrowing – we have options for second mortgages, bridging loans and other forms of additional secured borrowing
To investigate your remortgage options with Halifax and a range of other lenders, call Fair Mortgages today on 0117 313 7780 or fill out our call back form on the right.
When is it a good time to remortgage?
There are various reasons you might want to remortgage – for example, the fixed or discounted period of your current mortgage might be about to come to an end, meaning that you will be moved onto your lender’s standard variable rate (SVR).
Many people do not realise that they are allowed to remortgage when this fixed or discounted rate period ends (although some mortgage deals may make you wait a while before you are eligible to remortgage).
This means you could well be paying significantly more than you should be each month, meaning you are wasting money on interest that could go into your savings or paying down the capital on your mortgage.
It is also worth considering remortgaging if interest rates have dropped since you took out your mortgage. With interest rates currently very low, this is likely to be the case for many borrowers.
What mortgage options do I have when I remortgage with Halifax?
Halifax offer a range of product options if you are looking to remortgage.
Halifax Fixed Rate Mortgages
Halifax fixed rate mortgage deals allow you to fix for a 2 or 5 year term. This provides peace of mind that repayment will not change during the fixed period.
Halifax Tracker Mortgages
Halifax tracker mortgage products keeps your interest rate at a fixed interval above the Bank of England Base Rate (or equivalent). At the end of that period, Halifax will switch you to a variable rate.
What are the costs of remortgaging with Halifax?
Applying to remortgage is similar to applying for a loan when buying a property – even though you are not physically moving home, it’s likely that you will still need to cover costs incurred upfront, such as legal fees, valuation fees and mortgage fees.
However, some Halifax remortgage deals offer discounts or fee waivers on legal and valuation costs, to help you with the expense of remortgaging. Some Halifax remortgage deals are also fee-free, which could help to cut down your initial remortgage costs.
Bear in mind that any savings up front are likely to be offset by higher interest rates, so you may end up paying a little more each month. It therefore makes sense to consider whether the short term saving is balanced out by longer term costs.
How can we help with the remortgage process?
Our mortgage advisers will:
- Show exactly how much you can afford to borrow
- Help you find the remortgage deal that best fits your needs and circumstances
- Support you through the remortgage process from start to finish, making it as quick and easy as possible
Use the free Halifax mortgage calculator to help you find Halifax remortgages deals that are right for you. With greater focus on affordability by lenders, the right remortgage deal for your situation will depend on your income, credit record, age and existing borrowings.
Find the right Halifax remortgage deal for you with Fair Mortgages
Fair Mortgages team of highly experienced mortgage brokers offer a helping hand at every stage of the remortgage process.
We provide independent advice, a premium service for those looking to fast track their remortgage application and a free mortgage calculator giving you access to over 5,000 deals from 72 different mortgage providers.
Call Fair Mortgages today on 0117 313 7780 for no-obligation remortgage advice or use the contact form on the right-hand side of the page to arrange a call back.