Best Halifax Remortgage Deals 2026

Quick Answer: Best Halifax Remortgage Deals in 2026

Rates last reviewed June 2026. Figures shown are indicative market ranges to help you compare — not live quotes or personalised offers. Mortgage rates change daily and depend on your circumstances, the lender's criteria and the Bank of England base rate. Check live rates for your profile →

Halifax Remortgage Rates by LTV (2026)

LTV band	Typical 2-yr fix	Typical 5-yr fix
60% LTV	4.4-4.8%	4.2-4.7%
75% LTV	4.6-5.1%	4.4-4.9%
85% LTV	4.9-5.3%	4.7-5.1%
90% LTV	5.1-5.6%	4.9-5.4%

Halifax often runs cashback incentives (commonly £250-£500) and offers both fee-paying (lower rate, ~£999 fee) and fee-free versions of most products. Rates change daily — these are indicative bands.

Halifax Product Transfer vs Switching Lender

As an existing Halifax customer, you have two routes when your deal ends:

• Product transfer — switch to a new Halifax deal. Fast (1-2 weeks), no valuation, no legal work, often no full affordability check if you're not borrowing more. Halifax's retention rates are usually competitive.
• Switch to a new lender — access the whole market. Takes 4-8 weeks, with valuation and legal work (often free). Worth it if another lender is 0.3%+ cheaper than Halifax's retention rate.

The right choice depends on how Halifax's product-transfer rate compares to the best available elsewhere. If it's within 0.2%, the speed and zero cost of the transfer often wins; if a rival is meaningfully cheaper, switching can save more over the deal period.

Who Halifax Suits Best

Halifax is a strong fit for:

• Clean-credit employed borrowers at any LTV up to 90%.
• Self-employed borrowers — Halifax can accept 1 year of accounts in some cases and uses the latest year where it helps.
• Day-rate contractors — Halifax assesses contractor income generously (day rate × 5 × 48 weeks).
• Borrowers wanting speed — Halifax's automated valuations enable completion in 2-4 weeks.
• Existing customers — the fast, low-cost product transfer route.

It's less ideal for significant adverse credit (a specialist lender is better) or very large loans above £1m (private banks may suit better).

Best Alternatives to Halifax

Even if Halifax looks good, always compare these before committing:

• HSBC / First Direct — often cheaper for clean-credit borrowers at low LTV; First Direct allows unlimited overpayments with no ERC.
• Santander — similar criteria breadth to Halifax, sometimes cheaper.
• Nationwide — strong for new-build and member loyalty pricing.
• Specialist lenders — if you have adverse credit or complex income that Halifax's automated system rejects.

A whole-of-market broker compares Halifax against all of these for your specific profile, so you don't overpay by defaulting to your current lender.