Halifax Intermediaries Updates Mortgage Product Rates and Terms – September 2025

Halifax Intermediaries Announces Changes to Mortgage Rates from 23 September 2025

Leading UK mortgage lender Halifax Intermediaries has announced a series of updates to its mortgage product range, set to take effect from Tuesday, 23 September 2025. The changes affect a variety of fixed-rate mortgage products including those for homeowners, first-time buyers, remortgagers, and existing Halifax customers considering product transfers or further advances.

Summary of Key Rate and Product Updates

• Homemover and First-Time Buyer Mortgages: Fixed rates have decreased by up to 0.14% on selected products, allowing purchasers to secure a more competitive deal on new homes or their first property purchase.
• Remortgage Products: Some fixed rates have increased by up to 0.13% on selected deals, impacting those seeking to remortgage their existing property.
• Product Transfers and Further Advances: Rates for customers looking to change their existing Halifax mortgage or borrow additional funds have increased by up to 0.11% on select fixed-rate options.
• Extended ‘Complete by’ Dates: Deadlines for some products have been extended, giving applicants more time to benefit from current offerings before updated rates take full effect.

Competitiveness of Updated Halifax Mortgage Rates

Halifax remains one of the most prominent UK mortgage lenders, frequently appearing in best-buy tables for various fixed-rate products. The current reduction in rates for home movers and first-time buyers enhances Halifax’s position for those seeking new mortgage deals in an increasingly competitive market. However, remortgagers and existing customers planning a product transfer should be aware of the modest rate increases and compare options promptly.

Impact of Criteria and Policy Changes

While the key update centres on rate adjustments, there are no major announcements regarding changes to lending criteria or policy at this time. The updates may impact applicants as follows:

• First-Time Buyers: Benefit from reduced fixed rates, lowering potential monthly repayments and supporting affordability.
• Home Movers: More competitive rates could help maximise budgets or reduce overall borrowing costs.
• Remortgagers: Small rate increases highlight the importance of reviewing options promptly to secure the best deal before further changes occur.
• Existing Halifax Customers: Slight increases on product transfers and further advances underscore the value of acting swiftly to lock in current rates.

How to Secure Existing Rates Before Changes Apply

If you have identified a preferred Halifax mortgage product currently on offer, it is essential to submit your application in full by 8pm on Monday, 22 September 2025 to guarantee access to existing rates before changes are implemented.

You can use Halifax’s online product search tools via their intermediaries website to explore full product details and updated terms from the effective date of 23 September.

Why Choose Halifax Intermediaries?

• Wide Product Range: Halifax offers a comprehensive selection of mortgage solutions for purchase, remortgage, buy-to-let, and specialist needs.
• Dedicated Support: Access to user-friendly online tools, calculators, and dedicated support for intermediaries and applicants.
• Consistent Competitive Rates: Halifax products frequently feature among the best mortgage rates in the UK, especially for first-time buyers and homemovers.
• Transparency and Reliability: As part of the Bank of Scotland plc, Halifax benefits from a strong reputation for fairness and clarity in lending.

Next Steps: Speak to a Mortgage Specialist

With rates changing regularly, now is an excellent time to review your mortgage options. Whether you are buying your first home, moving, or seeking to remortgage, our experienced advisers are on hand to help you compare the latest Halifax products and secure the most suitable deal for your circumstances. Contact our team today for personalised, up-to-date mortgage advice tailored to your needs.

FAQs: Halifax Intermediaries Mortgage Rate Changes – September 2025

• Who qualifies for the new reduced homemover and first-time buyer rates?These rates are available to individuals purchasing a new main residential home, either moving from another property or buying for the first time, subject to standard Halifax lending criteria.
• How will the remortgage rate increases affect me?If you are remortgaging an existing property, you may face higher monthly repayments if opting for a fixed product with an increased rate. It is best to review options promptly.
• Can I still secure current rates before the changes?Yes. Applications for existing products must be submitted in full by 8pm on Monday, 22 September 2025 to lock in the previous rates.
• Is Halifax suitable for specialist mortgage needs?Halifax offers a broad spectrum of products, but those with unique or complex requirements should seek expert broker guidance on the full range available.
• How do I apply for a Halifax mortgage?You can start online or contact a mortgage adviser/broker for tailored assistance and to ensure eligibility for the most competitive deals.