Common enquiries - existing mortgage customers

Finding out the amount left to pay on your mortgage

If you're already registered for our online service, just add your mortgage on to My accounts, and the balance will be shown on the Account Summary screen.

This is not a final settlement figure - for an exact figure, call 08457 27 37 47 (Lines open 8.00am to 8.00pm Monday to Friday, 9.00am - 4.00pm Saturday) and we can provide a figure verbally or it can be sent by post to you.

Daily/Annual Interest

All product transfer interest rates listed on our website are available on daily interest only. Annual interest products are also available on request. Please contact us on 08457 27 37 47 for further details.

Borrowing more money on an existing Halifax mortgage

As an existing customer you can apply for a  Further Advance on your mortgage and the monthly payments will be included with your regular monthly mortgage payment (subject to acceptance).

Mortgage payment holidays

Unlike most other mortgage providers, Halifax can offer payment holidays to the majority of its mortgage customers.

Payment holidays are ideal if you would like a short break from your regular mortgage payments if and when you need to reduce your monthly outgoings.

They are available for a period of between one and six months over the life of the mortgage and for a variety of reasons depending on your circumstances.  These include:

• Maternity Leave
• Change of Employment
• Children's Education
• Exceptional or Unforeseen Household Expenditure
• Exceptional or Unforeseen Vehicle Expenditure
• Wedding Expenses
• Tax Bill

To qualify for a payment holiday you need to have had your mortgage for at least three months and be up-to-date on your payments.

Although we try and help as many customers are possible, there will be some cases where a payment holiday may not be available to you. These can include the following:

If you have a second charge on your property

If you have had previous payment holidays totalling six months

If your loan-to-valuation exceeds our criteria

If you think you would be eligible for a payment holiday, applying is easy and very straightforward.

You can either download the attached payment holiday application form, complete in full and return it to Halifax, PO Box 548, LEEDS, LS1 1WU.

Alternatively, call 08457 27 37 47 and request one to be sent to you, or visit one of our branches.

Although payment holidays can help in the short term, interest will still accrue and any missed interest payments will be added to your overall mortgage, resulting in increased contractual monthly payments.

Draw down more funds / borrow more from a Home Cash Reserve or Flexible mortgage

If you have already arranged a Home Cash Reserve or Flexible Mortgage and wish to draw down additional funds, you can do this through our online service.

You can add your mortgage on to My accounts then follow the simple on-screen instructions.  Your additional funds can then be transferred into your bank account, or other eligible account.

If you're already registered for the service then sign in now.  If you're not registered, find out more about our online service.

If you don't have either of these products, you could still borrow more money with a Further Advance .

Early repayment charges

If you have a Fixed or Tracker Rate Mortgage and are still within the fixed rate period  or the tracker rate period then there may be an early repayment charge if you repay the mortgage within this period.

Click here if you want to make an overpayment or part-repayment.

To find out about any charges that would be payable on your specific mortgage, call 08457 27 37 47.  Lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.

Duplicate mortgage payment statements

To have a duplicate mortgage statement sent to your home address,print off and complete the Duplicate statement request form, then post it back (stamp required) to the address on the form.

Leasing /renting out a property

If you want to lease / rent out your home to somebody else, you'll need to see one of our Mortgage Reviewers to discuss this as it is subject to our agreement.  Our reviewer will advise you if we agree to the proposed letting and what our requirements are.

To arrange an appointment, call 08456 03 03 52.  Lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.

Endowment mortgages

If you have concerns about your endowment policy being able to repay your mortgage, arrange to see one of our Mortgage Reviewers by calling 08456 03 03 52.  Lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.

Changing the monthly mortgage payment amount

If you have a Flexible Mortgage, you may be able to increase (overpay) or decrease (underpay) the amount of your monthly mortgage payment, however this is subject to certain conditions.

For further details you'll need to arrange to see one of our Mortgage Reviewers by calling 08456 03 03 52.  Lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.

Changing the term of a mortgage

With our agreement, you can change the term of your current mortgage.  The amount of your monthly mortgage payment will be amended as you will be paying your mortgage off over either a longer or shorter period.

To discuss this call 08456 03 03 52.  Lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.

Paying a lump sum off / extra money towards a mortgage

You can do this, but if your mortgage is subject to an early repayment charge you may have to pay some of that charge according to the amount you are paying off.

You can pay up to 10% off the amount of your mortgage that is subject to an early repayment charge during any rolling 12 month period without incurring the early repayment charge.

If you want to make an extra lump sum payment, your monthly mortgage payments will be lowered to repay the reduced overall balance on your mortgage over the same remaining term.  However if you want to remain paying the same monthly amount then we can recalculate the remaining term.

For more details, call 08456 03 03 52.  Lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.

Transfer of a mortgage from two names into just one / adding a new name to a mortgage

If you share the mortgage with another person and want to transfer the mortgage into one name, or if you want to add another name to your mortgage, then you will need to see a Mortgage Reviewer.

Call 08456 03 03 52 and we'll book an appointment at a branch and time convenient for you.  Lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.

Switching to a different mortgage with us

We want to make sure that you are on the mortgage most suitable for you.  You can arrange a free Mortgage Review over the phone by calling us on call 08457 27 37 47.  Lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.

Portable Mortgage Products

Portability allows a customer to transfer certain products from an existing Halifax mortgage to a simultaneously completed new mortgage with the Halifax when they move home

For more information call 08458 50 37 05.  Lines are open 8am to 8pm Monday to Friday, 9am to 4pm Saturday.

Remortgaging your home

If you are an existing Halifax mortgage customer, you may not need to remortgage as you could switch to a better deal with us.  You can arrange a Mortgage Review over the phone by calling us on call 08457 27 37 47.  Lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays.  Or you could borrow extra money with a Further Advance.

Non-Halifax mortgage customers looking to switch to a mortgage with us can get more information on remortgaging here.

Releasing the equity in your home

If you have a Flexible Mortgage or Home Cash Reserve already arranged, you can release funds by making drawdowns on your available reserve into your bank account through our online service.

Add your mortgage on to My accounts if you haven't already done so, then select your mortgage and choose 'withdraw funds' (this will only be visible if you have a drawdown facility already arranged).

If you don't have a Flexible Mortgage or Home Cash Reserve, then you can apply for a Further Advance.

Current interest rate

If you have a Fixed Rate Mortgage and are still within the fixed rate period, then the rate will be shown on your original mortgage documentation and your annual statement.

If your mortgage is on a variable rate such as a tracker rate or our standard variable rate, you will need to call us on 08457 27 37 47(lines are open 8am to 8pm Monday to Friday, and 9am to 4pm on Saturdays) to find out your rate.  If your mortgage is on a tracker rate, the rate you pay will be dependent upon the Bank of England base rate, which it is linked to, and which is subject to change.

If you know the difference between your tracker rate and the Bank of England Base Rate, you will be able to calculate the rate yourself by checking the current Bank of England Base Rate.

In case of financial difficulties / struggling to meet mortgage payments

We will always try to help our customers who get into financial difficulty and struggle with mortgage repayments.  It's much better to discuss these issues early.

Just call 08456 03 90 19 between 8am and 8pm Monday to Friday, and 8am to 4pm on Saturdays, and we'll discuss the issue with you in complete confidence.

Clearing arrears on a mortgage

To discuss clearing any arrears on your mortgage just call us on 08456 03 90 19 between 8am and 8pm Monday to Friday, and 8am to 4pm on Saturdays, and we'll discuss the issue with you in complete confidence.

Mortgage Fees

Here are details of all our  current mortgage fees

Mortgage Repayment Administration Fee

Following the FSA's guidance to lenders, Halifax will adopt the following approach to the Mortgage Repayment Administration Fee (MRAF):

Customers will pay the mortgage exit fee they agreed to in their most recently accepted mortgage offer, further advance offer, product transfer offer or transfer of mortgaged property (transfer of ownership) offer.

You can view a list of our historic fees here

Customers who have any queries regarding this issue should call 08451 20 30 33 between 8am and 8pm Monday to Friday, and 9am to 4pm on Saturdays.

Your home may be repossessed if you do not keep up repayments on your mortgage.