- Home
- > Mortgages
- > First time buyer
- > First Time Buyer Choices
First time buyer mortgages from Halifax
First time buyer choices
We've introduced a new range of fixed and tracker rate deals exclusively for first time buyers because we want you to have more choices when selecting your mortgage.
Depending on the deal you select you get to choose which other feature or any combination of them you'd like from:
- A refund of your valuation fee (Level 1 valuation up to a maximum of £430)
- No conveyancing fees (you must still pay disbursements) **
- £500 cashback to spend how you wish
Between £0 and £7,500,000
Start rate is: | Rate ends: | Followed by the Standard Variable Rate, currently: | The overall cost for comparison is | Max LTV | Early Repayment Charge until: | Additional feature: |
| 6.89% | 30th November 2013 | 7.00% for the remainder of the mortgage term | 7.3% APR | 95%* | 30th November 2013 | None |
| Offer accepted on property you want? Start your application online now for this deal. | ||||||
| 6.94% | 30th November 2013 | 7.00% for the remainder of the mortgage term | 7.3% APR | 95%* | 30th November 2013 | No conveyancing fees (you must still pay disbursements) ** |
| Offer accepted on property you want? Start your application online now for this deal. | ||||||
| 6.99% | 30th November 2013 | 7.00% for the remainder of the mortgage term | 7.3% APR | 95%* | 30th November 2013 | Refund of valuation fee (Level 1 valuation up to a maximum of £430) |
| Offer accepted on property you want? Start your application online now for this deal. | ||||||
| 7.09% | 30th November 2013 | 7.00% for the remainder of the mortgage term | 7.4% APR | 95%* | 30th November 2013 | £500 cashback |
| Offer accepted on property you want? Start your application online now for this deal. | ||||||
| 7.14% | 30th November 2013 | 7.00% for the remainder of the mortgage term | 7.4% APR | 95%* | 30th November 2013 | Refund of valuation fee (Level 1 valuation up to a maximum of £430) and No conveyancing fees (you must still pay disbursements) ** |
| Offer accepted on property you want? Start your application online now for this deal. | ||||||
| 7.19% | 30th November 2013 | 7.00% for the remainder of the mortgage term | 7.4% APR | 95%* | 30th November 2013 | No conveyancing fees (you must still pay disbursements) ** and £500 cashback |
| Offer accepted on property you want? Start your application online now for this deal. | ||||||
| 7.24% | 30th November 2013 | 7.00% for the remainder of the mortgage term | 7.4% APR | 95%* | 30th November 2013 | Refund of valuation fee (Level 1 valuation up to a maximum of £430) and £500 cashback |
| Offer accepted on property you want? Start your application online now for this deal. | ||||||
| 7.34% | 30th November 2013 | 7.00% for the remainder of the mortgage term | 7.4% APR | 95%* | 30th November 2013 | Refund of valuation fee (Level 1 valuation up to a maximum of £430) and No conveyancing fees (you must still pay disbursements) ** and £500 cashback |
| Offer accepted on property you want? Start your application online now for this deal. | ||||||
A product fee of £299 applies, you can add the product fee on to your mortgage on completion but interest will be charged.
*First time buyers applying for mortgage deals with a loan to value greater than 90%, up to a maximum of 95%, need to open or already hold a salary funded Halifax/Bank of Scotland current account.
The mortgage needs to complete by 28th February 2009.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Between £0 and £7,500,000
Start rate is: | Tracked Above/Below Bank of England Rate, currently 5.00%: | Rate ends: | Followed by the Standard Variable Rate, currently: | The overall cost for comparison is: | Max LTV: | Early Repayment Charge until: | |
6.79% | +1.79% | 30th November 2013 | 7.00% for the remainder of the mortgage term | 7.2% APR | 95%* | 30th November 2013 | |
| Offer accepted on property you want? You can start your application online now for choice 1 | |||||||
A product fee of £299 applies, you can add the product fee on to your mortgage on completion but interest will be charged.
*First time buyers applying for mortgage deals with a loan to value greater than 90%, up to a maximum of 95%, need to open or already hold a salary funded Halifax/Bank of Scotland current account.
If you choose one of our tracker mortgage deals (not including stepped trackers) you have the option during the tracker rate period, to transfer all or part of your mortgage to one of our Halifax fixed rate mortgage products then available to existing Halifax mortgage customers, free of any early repayment charge which would otherwise apply on transfer. All qualification criteria for the new fixed rate must be met.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Need a little help?
- By phone - Call us on 08458 50 37 05
- Apply at your local branch or Halifax Estate Agency - Find your nearest branch or Halifax Estate Agency and book an appointment with a professionally qualified Mortgage Adviser
Calls from BT landlines to 0845 numbers will cost no more than 2p a minute plus a 6p connection fee. The price of calls through other phone companies and from mobile phones will be different. The call price we have quoted was correct in August 2008.
We may monitor and record telephone calls to help us provide a higher level of service.
**The "No conveyancing fees" feature of this mortgage product is only available when you instruct one of our First Time Buyer panel solicitors to act for you on this transaction. We have a financial arrangement with our First Time Buyer panel, and we pay £250 plus vat to them as a contribution to their fees on completion of the transaction. This amount is intended to cover their fees for the purchase conveyancing, but you will have to pay other fees and disbursements to them. The firm will write to you detailing these fees and disbursements and making clear what you will be responsible for . Please note that you are not obliged to use the panel firm, and can instruct a solicitor of your choice. However, if you do choose another firm, we will not make any contribution to their fees and you will have to choose a different product . This statement is made in compliance with The Solicitors Code of Conduct 2007 |