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Halifax's current

SVR  - 3.59%

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Halifax Mortgage Switch - a comprehensive guide

If your Halifax mortgage deal is coming to an end or you are paying Halifax's SVR - you need to make an important decision on how you will keep your mortgage payments low.

If you are not looking to make any changes to your mortgage and want to simply obtain a better rate from Halifax, you have come to the right place - we can help you switch your mortgage to a better rate with Halifax .

 

 

Our switch guarantee for Halifax mortgages ensures our advisers will never charge for switching your mortgage - its a FREE service.

Switching or Transferring your mortgage is NOT remortgaging (which involves moving to a different lender), with Switching you are staying with your existing lender - Halifax, however switching over to a new Halifax product.

"if you would like to make changes to your mortgage, read our excellent guide on remortgaging"

The difference between the Halifax SVR and a 'new switch deal' product rate is significant, the consequence of not switching could mean an increase of hundreds of pounds on your monthly mortgage payments.

 

What is an SVR ?

SVR stands for 'Standard Variable Rate'. After an initial deals ends (usually 2,3 or 5 years) you will almost always be paying a lenders higher SVR.

 

Send a free switch request enquiry

 

How much can I save ?

If you are on Halifax's SVR (3.59%) and switched to a Halifax switcher rate of 1.93% fixed for 3 years. You savings would be £224 every month - thats an annual saving of £2688 !

(example based on a 60%LTV loan, £200,000 repayment mortgage over a 25 yr term)

Bad Credit ?

Reduced Income ?

Older applicant ?

We can still help you switch and get a better rate...

Here are the latest Switcher Rates from Halifax

Rate TypeDeal TermInterest RateLTVEst SavingsProduct FeesDetailsNext Steps
Fixed63 Months4.79%120%-129.840

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months4.69%120%-124999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months4.59%120%-115.321499

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months4.64%120%-112.620

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months4.09%90%-50.640

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed62 Months3.69%60%-6.740

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months3.39%95%25.510

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months3.13%85%530

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months2.94%75%72.810

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed26 Months2.94%60%72.810

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months2.90%95%76.950

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months2.89%85%77.980

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months2.89%75%77.980

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months2.85%60%82.110

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months2.84%60%83.140

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months2.84%95%83.140

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months2.69%95%98.510

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months2.69%75%98.510

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months2.69%85%98.510

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months2.64%95%99.05999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months2.59%95%101.881499

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months2.49%95%114.3999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months2.49%85%118.770

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months2.44%60%123.80

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months2.39%95%128.810

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months2.39%95%128.810

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months2.38%75%129.810

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months2.29%95%132.21499

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months2.32%85%135.790

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months2.32%85%135.790

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months2.29%75%138.770

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months2.29%75%138.770

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months2.24%90%139.38999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months2.24%95%139.38999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months2.25%60%142.740

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months2.16%90%145.161499

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed62 Months2.18%60%145.33999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months2.16%60%151.630

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months2.16%60%151.630

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months2.04%95%157.011499

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months2.05%90%158.16999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed26 Months1.95%60%167.94999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months1.86%85%174.61499

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months1.84%85%178.63999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months1.84%85%178.63999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months1.80%90%182.49999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months1.75%85%185.251499

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months1.75%90%185.251499

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months1.72%90%188.141499

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months1.59%75%202.6999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months1.56%85%205.45999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months1.50%75%211.13999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months1.49%60%212.08999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months1.44%75%214.81499

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months1.45%60%215.85999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months1.42%85%216.681499

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months1.40%75%218.571499

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed63 Months1.39%60%219.51499

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed39 Months1.30%60%227.931499

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months1.27%75%232.67999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months1.19%75%238.151499

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months1.20%60%239.15999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Tracker26 Months1.20%60%239.15999

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed27 Months1.12%60%244.611499

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed122 Months2.15%60%152.61200

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed122 Months2.07%60%156.191199

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed62 Months1.89%60%177.96200

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed62 Months1.89%60%177.96200

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed38 Months1.85%60%181.82200

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed38 Months1.85%60%181.82200

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed26 Months1.76%60%190.46200

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed26 Months1.76%60%190.46200

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed62 Months1.66%60%195.931199

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed62 Months1.66%60%195.931199

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed62 Months1.69%60%197.15200

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed62 Months1.69%60%197.15200

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed38 Months1.65%60%200.96200

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed38 Months1.65%60%200.96200

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed38 Months1.59%60%202.61199

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed38 Months1.59%60%202.61199

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed26 Months1.56%60%209.48200

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed26 Months1.56%60%209.48200

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed62 Months1.46%60%214.91199

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed62 Months1.46%60%214.91199

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed38 Months1.39%60%221.481199

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed38 Months1.39%60%221.481199

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed26 Months1.37%60%223.351199

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed26 Months1.37%60%223.351199

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed26 Months1.17%60%241.921199

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry
Fixed26 Months1.17%60%241.921199

No switch fee

(all estimated saving calculations are based on a 60% LTV - 200k repayment loan over a 25 year term)

Send a switch request enquiry

Halifax Product Switch FAQ's

We can still help you switch your mortgage product with Halifax if your credit circumstances have changed. This could include things like,

  • Missed credit card payments
  • Overdrafts and banking arrears
  • Lated and missed personal loan payments
  • County Court Judgements (CCJ's)
  • Utility providers arrears
  • Mobile phone provider arrears
  • Low credit scores
  • Adverse credit file information

 

If you have changed jobs or roles which has meant a change in salary or a general change in employement such as change in industry - we can still help you switch. You may have also decided to go self employed and may not have a full years accounts.

Your income may have changed, reduced or you may currently be unemployed. We can still help you switch.

Some banks do offer product transfer or switch rates direct to customers. Unfortunately they can only tell about their products ! - which may not be the best rates on the market compared with other Banks. We compare rates from all banks and provide you with independent opinion.

Remortgaging is an option if you want to make changes to your mortgage. Our adviser firms will confirm with you the best options for you.

Please make an enquiry using our contact us form.

A FCA regulated adviser will call you to talk you through the process and complete a short form.

Once the form is completed the adviser will return some suitable products

They will then Switch your product directly with Halifax

There are NO adviser or Brokerage fees for Remortgages and Product Switches with Switch Rates.

There are no Valuation fees involved with Switching your mortgage with Halifax.

  • If you would like to contest a banks 'automated' valuation during the switching process a revaluation fee may be applicable.

Please look at the product fees section of the products available from Halifax. They offer a range of products that do NOT have any arrangement or products fees.

There is no conveyancing or 'legals' during the Halifax mortgage switching process. No fees are payable.

Switching a mortgage product with Halifax usually takes a couple of days.

You can switch up to 90 days before your current Halifax product expires. If you decide to switch during this time, Halifax will waive any product penalties due.

You can still switch if you have an interest only mortgage.


Request a free adviser callback