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Halifax cuts homebuyer mortgage rates
09 January 2026
- Rate cuts for Halifax mortgages from 9th January 2026
- Rates cut by up to 16bps across the range
Product Highlights
Halifax homebuyer mortgage products from 9.1.26
|
Halifax |
|||||
|
Term (yrs) |
Fee |
Loan |
LTV |
change |
Rate |
|
(£) |
Band |
(%) |
(bps) |
(%) |
|
|
2 |
0 |
£25k- £2m |
0-60 |
-8 |
3.74% |
|
0-75 |
-16 |
3.83% |
|||
|
0-80 |
-8 |
3.94% |
|||
|
0-85 |
-8 |
3.94% |
|||
|
£25k- £750k |
0-90 |
-10 |
4.26% |
||
|
£25k- £570k |
90-95 |
- |
4.75% |
||
|
999 |
£25k*- £2m |
0-60 |
- |
3.57% |
|
|
0-75 |
-16 |
3.62% |
|||
|
0-80 |
-8 |
3.75% |
|||
|
0-85 |
-8 |
3.75% |
|||
|
£25k*- £750k |
0-90 |
-10 |
4.06% |
||
|
£25k*- £570k |
90-95 |
- |
4.55% |
||
|
1,999 |
£2m-£5m |
0-60 |
- |
3.82% |
|
|
0-75 |
-16 |
3.87% |
|||
|
3 |
0 |
£25k- £2m |
0-60 |
-11 |
3.79% |
|
0-75 |
-4 |
3.96% |
|||
|
0-80 |
- |
4.21% |
|||
|
0-85 |
- |
4.22% |
|||
|
£25k- £750k |
0-90 |
-6 |
4.43% |
||
|
£25k- £570k |
90-95 |
-10 |
4.87% |
||
|
999 |
£25k*- £2m |
0-60 |
-11 |
3.62% |
|
|
0-75 |
-4 |
3.82% |
|||
|
0-80 |
- |
4.08% |
|||
|
0-85 |
- |
4.09% |
|||
|
£25k- £750k |
0-90 |
-6 |
4.26% |
||
|
£25k- £570k |
90-95 |
-10 |
4.70% |
||
