Halifax Intermediaries Announces Fixed-Rate Mortgage Changes – August 2025

Halifax Intermediaries Product Update: Key Mortgage Changes from August 2025

Halifax Intermediaries, a leading UK mortgage lender, has announced updates to its mortgage product range effective Friday, 15 August 2025. With changes set to impact both homemovers and first-time buyers, borrowers will see selected fixed-rate product rates adjusted—offering opportunities for those seeking competitive deals across various loan-to-value (LTV) tiers.

Overview of the Rate and Product Updates

From 15 August, Halifax Intermediaries will revise several fixed-rate mortgages. These updates mainly affect two borrower groups: first-time buyers and homemovers.

• Rate Increases: Up to 0.05% increase on selected fixed-rate products.
• Rate Decreases: Up to 0.17% decrease on certain 2-year fixed-rate deals at 90% LTV, appealing if you have a smaller deposit.

The new rates will be available on the Halifax Intermediaries website and through partner sourcing systems from 15 August 2025.

Why Do These Rate Changes Matter?

These shifts present a window for borrowers to secure rate reductions on high-LTV products—particularly beneficial for first-time buyers with a 10% deposit. Conversely, selected other fixed-rate products will see minor increases, so it’s important to act promptly if current rates suit your circumstances.

Updated Criteria and Application Deadlines

• Application Deadline: To secure existing product rates, ensure your full application is submitted by 8 pm on Thursday, 14 August 2025.
• System Updates: The product search and sourcing tools will reflect new rates from 15 August for both advisers and intermediaries.

For borrowers, this means acting decisively to benefit from any outgoing rates before changes take effect.

Who Benefits Most from the Latest Halifax Updates?

• First-Time Buyers: Especially those buying with a 10% deposit, due to the fixed-rate decreases at 90% LTV.
• Homemovers: Those considering a move and looking to lock in competitive rates before minor increases occur.

By reducing select fixed-rate deals, Halifax is underlining its commitment to supporting entry-level buyers and those with smaller deposits.

Halifax Intermediaries: Key Benefits for Borrowers

• Trusted National Lender: Backed by Lloyds Banking Group plc, offering UK-wide reach and robust financial stability.
• Variety of Fixed-Rate Terms: Options for 2-year, 5-year, and longer fixed deals, suitable for all buyer types.
• Specialist Criteria: Flexibility for various scenarios, including support for high LTV lending and competitive options for movers and first-timers.
• Extensive Intermediary Support: Access to online tools, calculators, and helpful literature for planning and decision-making.

How to Make the Most of These Changes

If you are considering a new mortgage or remortgage, particularly as a first-time buyer, it could be advantageous to review your options before the deadline. For tailored advice and to ensure you secure the right deal for your situation, speak with our expert mortgage advisers.

Contact Us for Personalised Halifax Mortgage Advice

If you want to make the most of Halifax’s changing rates, our team can help you compare options and understand how the updates affect your borrowing power. Contact us today for a free, no-obligation consultation or use our online calculators to get started.

Frequently Asked Questions (FAQs)

• Who qualifies for the reduced fixed-rate Halifax mortgages?Most reductions apply to first-time buyers and homemovers securing a 2-year fixed-rate at 90% LTV (10% deposit).
• How do these rate changes impact my monthly payments?If you qualify for a reduced rate, your monthly repayments could be lower. Use an online calculator or contact an adviser for exact figures.
• Can I still apply for the previous mortgage rates?Yes, but you must submit your full application by 8 pm on Thursday, 14 August 2025 to secure existing rates.
• Is Halifax Intermediaries appropriate for first-time buyers?Yes. Halifax offers special support and competitive products, especially for those with smaller deposits.
• How do I start a Halifax mortgage application?Contact our mortgage specialists for guidance or visit the Halifax Intermediaries website for more details.