Get Expert Support for Halifax Mortgages
Specialist Support for Halifax Mortgages
Halifax is part of Lloyds Banking Group and offers a wide range of residential and buy-to-let mortgages. They’re known for competitive interest rates, reliable underwriting, and supporting applicants with non-standard incomes. At Mortgage‑Tek, we guide you through Halifax’s mortgage products, helping you access the best deals with expert advice from application to completion.
We work with more than 120 mortgage lenders, including
Why
Why Halifax Mortgage Is a Great Option
Why Halifax Mortgage Could Be the Right Fit for You
Halifax is an excellent choice for borrowers who want flexibility, competitive rates, and reliable service. They support self-employed applicants, contractors, freelancers, and those with complex income, using professional underwriting and clear affordability assessments.
Halifax provides a broad spectrum of mortgage types, including residential, buy-to-let, remortgages, and second-home deals. Some of the most competitive Halifax deals are available only through brokers like Mortgage‑Tek, who help you select the right product, prepare paperwork, and guide you through the process.
Criteria of Halifax Mortgage
Who Can Apply for a Halifax Mortgage?
Broker Requirement
You can apply directly with Halifax or via a registered broker. Mortgage‑Tek helps you access the most suitable deals efficiently.
Age Criteria
Minimum age 18, with a maximum age at the end of the mortgage term depending on the product.
Residency Status
Applicants must have UK residency with verifiable address history.
Minimum Income
Residential mortgages: No strict minimum, subject to affordability checks.Â
Self-Employment History
At least 12 months trading history with supporting financial documents (SA302s, tax returns).
Contractor Criteria
Contractors need a current contract and proof of income; some zero-hour contracts may be considered.
Credit Profile
Clean credit history preferred; minor credit issues may be considered case by case.
Property Standards
Must meet Halifax’s valuation and acceptable construction standards.
Affordability Checks
Applicants must pass stress tests to ensure repayment ability if interest rates rise.
Benefits of Securing Halifax Mortgage
Why Choose a Mortgage from Halifax Mortgage?
Halifax mortgages provide flexibility, competitive rates, and robust support for a wide range of borrowers.
Flexible Credit Policy
Halifax considers applicants with non-standard income, including self-employed individuals, freelancers, contractors, and those with complex income arrangements.
Manual Underwriting
Applications are assessed by real underwriters, not just automated systems, which increases the likelihood of approval for unique situations.
Competitive Interest Rates
Halifax offers a wide selection of fixed-rate, tracker, and special broker-only mortgage deals, often providing more attractive rates than those found on the high street.
Buy-to-Let Friendly
Halifax supports both individual landlords and limited company landlords, including first-time buy-to-let investors and those building a property portfolio.
Support for Product Transfers
Existing Halifax customers can take advantage of product switch options without completing a full remortgage process, making it easier to access better deals.
Backed by Lloyds Banking Group
Halifax is part of one of the UK’s largest financial institutions, offering long-term stability, security, and confidence for borrowers.
Partnering with Halifax Mortgage
Our Role in Securing Your Halifax Mortgage
At Mortgage‑Tek, we work directly with Halifax to help you access the right mortgage product without the stress. As authorised brokers, we understand Halifax’s lending criteria, product options, and underwriting processes. From the first conversation to final approval, we manage your application, compare suitable options, prepare paperwork, and liaise directly with Halifax. With our expert support, you save time, avoid common mistakes, and increase your chance of securing the deal that fits your needs.
Compare & Find the Right Mortgage For You
Compare Halifax Mortgage with Other UK Mortgage Options
Mortgage Comparison
Compare Halifax mortgages with other leading UK lenders to see how their flexible criteria, competitive rates, and support for non-standard incomes stack up. Whether you are self-employed, a contractor, or a landlord, we help you find the right deal.
Mortgage Quote
Get a personalised Halifax quote through Mortgage‑Tek. We assess your circumstances and provide clear, fast advice on which Halifax deals suit you best, with no obligation.
BORROW
Curious About How Much You Can Borrow?
Not sure how much you could borrow with Halifax? Use our calculator to get a quick estimate based on your income and expenses. Whether buying your first home, moving, or investing in property, this is a helpful first step before speaking with a mortgage expert. No credit checks, just instant results.
Your Estimated Borrowing Amount
Let’s Connect
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We’ll guide you through Halifax’s mortgage options and help secure a deal that suits your unique circumstances.
Get fast, clear, and personalised advice, and move one step closer to your new home.
FAQ’s
Can I apply directly with Halifax?
Yes, Halifax allows direct applications. However, working with a registered broker like Mortgage‑Tek ensures access to the most suitable and competitive deals.
Does Halifax accept self-employed or contractor applicants?
Yes. Halifax requires at least 12 months of trading history, SA302s, tax returns, or accounts to verify income and affordability.
What is the minimum deposit required for a Halifax mortgage?
 Residential mortgages generally require a minimum 5% deposit (95% LTV). Buy-to-let mortgages usually require 25% or more, depending on circumstances and property type.
Can limited company landlords apply for buy-to-let mortgages with Halifax?
Yes. Halifax supports both individual landlords and limited companies. Additional documentation, such as company accounts and director details, may be required.
How long does it take to get a mortgage offer from Halifax?
Once the application is submitted with all supporting documents, Halifax usually issues mortgage offers within 10–15 working days, depending on complexity and valuation schedules.
What credit score do I need to qualify with Halifax?
 There’s no published score requirement. A clean credit history improves your chances, though minor credit issues may be considered on a case-by-case basis.