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Welcome to your Halifax Mortgage

Whether this is your first house purchase, a move to a new home or you have remortgaged to us from another lender, we want to say a huge ‘thank you’ for letting us be part of your journey and welcome you to 'The Halifax'.

This short 2-minute video outlines all the information we think you need to know now your mortgage has completed. 

Useful information

Your first payment

We want to make sure you know what to expect from your first payment, particularly because this payment is often different to future payments.

The working day after your completion date, we will send you a text message confirming how much your first payment amount will be and the date it’s due. We will also send you a letter to confirm this payment, along with all future payments. You should receive this letter in the post within 10 days of completion.

Why is my first payment different? 

Your first payment may be more than you expect. This is because as soon as your mortgage starts, interest is charged daily, and this interest is added to your first payment amount.

For example, if your mortgage completes on the 16th of September and your payment date is the 1st of the month, your first payment will include your normal agreed monthly payment amount plus the additional interest built up from 16th September to the 1st October. 

This only happens with your first payment; all future payments will be the amount shown on your confirmation letter. 

Your first payment due date

You will have chosen the date each month you want your payments to come out, but you may find the first payment is taken on a slightly different date.

We always take the first payment the month after your mortgage has started.

If your mortgage starts at the end of the month, and your chosen payment date is at the beginning of the following month, we will not have enough time to set up and take your direct debit payment. If this happens, your first payment will be taken on or around the 10th of the month following completion.

For example, if your mortgage completes on 29th September and you have requested your payments to be taken on the 1st of the month, we will not have time to set up your first payment for the 1st of October. Your first payment will therefore be taken on or around the 10th of October.

This would only happen with your first payment. All subsequent payments will take place on your chosen date for the amount we have confirmed with you. 

Your first payment due date

You will have chosen the date each month you want your payments to come out, but you may find the first payment is taken on a slightly different date.

We always take the first payment the month after your mortgage has started.

If your mortgage starts at the end of the month, and your chosen payment date is at the beginning of the following month, we will not have enough time to set up and take your direct debit payment. If this happens, your first payment will be taken on or around the 10th of the month following completion.

For example, if your mortgage completes on 29th September and you have requested your payments to be taken on the 1st of the month, we will not have time to set up your first payment for the 1st of October. Your first payment will therefore be taken on or around the 10th of October.

This would only happen with your first payment. All subsequent payments will take place on your chosen date for the amount we have confirmed with you. 

What if I’m on a tracker or variable product?

If you are on a tracker or variable product and interest rates change, we’ll always let you know any impact to your monthly payments in advance. 

Will this impact me if my mortgage was already with Halifax?

If your mortgage was already with Halifax, your first monthly payment could still be different in the following scenarios:

  • If you have added or removed someone’s name on the mortgage
  • If you have ported your exiting interest rate from your previous property to a new property

Manage your mortgage in our app

Our app has everything you need to manage your new mortgage. You don’t need a bank account to use it.

You’ll see a tab specifically for your mortgage and you can access our Hello Home from the three dot menu next to your account. Here you’ll find lots of great tools and information to help you with your mortgage. Plus, if you need help, you can message us at any time.

Get set up now

Mobile Banking app

Join our 7 million app users.

  • Simple and secure sign in.
  • Stay up to date with notifications.
  • Chat to us online.

 

More about our app

QR code to download our Mobile Banking app

Mobile Banking app

Join our 7 million app users.

  • Simple and secure sign in.
  • Stay up to date with notifications.
  • Chat to us online.

Download app

More about our app

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