As one of the UK’s largest mortgage lenders, Halifax is a go-to name for borrowers who want quick decisions, competitive products, and solid service. With a wide range of mortgage deals for first-time buyers, home movers, and remortgagers, Halifax combines high-street pricing with generous affordability, especially for employed applicants.
At Mortgage Knight, we recommend Halifax for clients who need a clear, uncomplicated lending experience, with the backing of a major bank and a strong reputation for service.
If you’ve got straightforward income and want a trusted lender with fast decisions, solid service, and great deals for buyers and remortgagers, Halifax may be the perfect fit.
Get in touch with Mortgage Knight today and we’ll help you secure the best Halifax deal available — quickly, clearly, and with expert support throughout.
A: Halifax typically offers up to 4.49x your income, and sometimes more for low-debt or high-earning applicants. We’ll calculate your affordability precisely as part of your application.
A: Yes. Halifax has a range of 95% LTV products, including deals with no fees, free valuations, and even cashback for first-time buyers.
A: Yes. Halifax is one of the more flexible high-street lenders for variable income. They will typically accept 50–100% of regular bonus, overtime, or commission depending on consistency.
A: Yes. Halifax will consider applications from clients on probation, especially with a signed contract and relevant experience. Fixed-term employment is also accepted.
A: Yes, but they usually require 2 years of self-employed income. That said, they’re often generous with affordability when the income is stable and proven through SA302s or tax returns.
A: Most Halifax remortgage products come with free legal work and free valuation, or cashback alternatives, helping reduce upfront costs.
A: No, but applying through a broker like Mortgage Knight means your application is fully prepared, packaged, and matched to the best product, which improves speed and approval chances.
.
