Up to £500,000 90% LTV

Up to £1.7M 85% LTV

Mortgage is Portable, Mortgage is Flexible, Under payments allowed., 10% Overpayments allowed per year.

Your special rate mortgage product is portable.

Further information regarding portability can be found in the section headed 'Early Repayment Charges' in the booklet 'Information about your mortgage' which the lender issues with mortgage offers.

Product is not available to expatriate customers.

This product is also available to Retirement Home Plan customers.

Minimum loan to value 75% share of property.

Halifax does not lend in Jersey.

For loans above £1million on the Standard range of products please contact the Premier Unit on 020 7705 9475.

Self employed applicants under 75% LTV can supply an accountant's letter or the last 2 years' tax assessment.

The Remortgage Service is not available to existing customers.

An applicant must be a genuine First Time Buyer to qualify for a FTB special product. Applicants who own, or have owned a property cannot take these products.

The policy relating to the Mortgage Products of existing borrowers moving home has been changed. Customers on annual interest rate products with early repayment charges will now have several options on their existing products: 1) Port the product on an annual interest basis and top up with one of the annual interest products from the current range; or 2) Change the interest calculation method to daily interest and top up with one of the daily interest products from the current range; or 3) If their product has finished, but they are still within a tie in period, they can choose entirely from the new product range and the early repayment charges will be waived; or 4) Pay the early repayment charges and choose entirely from the new product range.

Customers on a daily interest product can port that product over, and top up with a daily interest product from the current range. This is not an exhaustive list of scenarios. Speak to your Intermediary Sales Manager with any queries.

For Shared Ownership please refer to Halifax before submission.

Payment Holidays Allowed. Providing your mortgage is no more than one month in arrears and your mortgage is at least three months old, you can request a payment holiday. Further information regarding other conditions applying to underpayments and Payment Holidays can be found in our booklet 'Information about your mortgage' which Halifax issue with mortgage offers.

You are free to make lump sum or regular overpayments to this mortgage at any time. For details of any early repayment charges that may apply please refer to Section 10.

Currently, as a concession, in any 12 month rolling period you may repay up to 10% of the amount outstanding on your mortgage product without having to pay an early repayment change. Halifax reserves the right to change or withdraw this concession.

The lender’s daily interest method will apply and the interest charged takes account of any changes in the mortgage debt from day to day. Any lump sum or regular overpayments made will immediately reduce the amount of interest you have to pay because interest will be charged on the reduced balance.

Providing your mortgage is not in arrears you can make underpayments equal to the amount of any previous overpayments.

The availability of the mortgage product chosen is based on the amount of loan as a percentage of the value of the property. Changes to the loan amount or the property value could alter the availability of this product. If this is the case, please ask for a revised illustration.

Capital Rest Period : Daily

Repayment Yes

Endowment Yes

PEP Yes

Pension Yes

Interest only (no RV) Yes

With Profits Yes

Unit Linked Yes

ISA Yes

Split Repayment Yes

Arrangement : varies Can be Added

Booking : varies

varies

None

Basic:

upto £50,000 - £240

upto £100,000 - £280

upto £150,000 - £315

upto £200,000 - £355

upto £300,000 - £430

upto £400,000 - £500

upto £500,000 - £565

upto £600,000 - £620

upto £700,000 - £680

upto £800,000 - £735

upto £900,000 - £790

upto £1,000,000 - £845

upto £1,200,000 - £960

upto £1,400,000 - £1070

upto £1,600,000 - £1185

upto £1,800,000 - £1295

upto £2,000,000 - £1410

upto £2,200,000 - £1520

upto £2,400,000 - £1635

upto £2,600,000 - £1745

upto £2,800,000 - £1860

upto £3,000,000 - £1970

upto £3,200,000 - £2085

upto £3,400,000 - £2195

upto £3,600,000 - £2310

upto £3,800,000 - £2420

upto £4,000,000 - £2535

upto £4,200,000 - £2645

upto £4,400,000 - £2760

upto £4,600,000 - £2870

upto £4,800,000 - £2985

upto £5,000,000 - £3095

upto £5,500,000 - £3375

upto £6,000,000 - £3660

upto £6,500,000 - £3940

upto £7,000,000 - £4220

upto £7,500,000 - £4505

upto £8,000,000 - £4785

upto £8,500,000 - £5065

upto £9,000,000 - £5345

upto £9,500,000 - £5625

upto £10,000,000 - £5910

Homebuyers:

upto £100,000 - £460

upto £150,000 - £490

upto £200,000 - £540

upto £300,000 - £660

upto £400,000 - £790

upto £500,000 - £930

upto £600,000 - £1070

upto £700,000 - £1210

upto £800,000 - £1350

upto £900,000 - £1490

upto £1,000,000 - £1630

upto £1,200,000 - £1830

upto £1,400,000 - £2030

upto £1,600,000 - £2230

upto £1,800,000 - £2430

upto £2,000,000 - £2630

upto £2,200,000 - £2830

upto £2,400,000 - £3030

upto £2,600,000 - £3230

upto £2,800,000 - £3430

upto £3,000,000 - £3630

upto £3,200,000 - £3830

upto £3,400,000 - £4030

upto £3,600,000 - £4230

upto £3,800,000 - £4430

upto £4,000,000 - £4630

upto £4,200,000 - £4830

upto £4,400,000 - £5030

upto £4,600,000 - £5230

upto £4,800,000 - £5430

upto £5,000,000 - £5630

upto £5,500,000 - £6130

upto £6,000,000 - £6630

upto £6,500,000 - £7130

upto £7,000,000 - £7630

upto £7,500,000 - £8130

upto £8,000,000 - £8630

upto £8,500,000 - £9130

upto £9,000,000 - £9630

upto £9,500,000 - £10130

upto £10,000,000 - £10630

For products that allow fees to be added to the loan, interest is calculated at SVR, not product rate. This will not be reflected in the illustration.

The loan plus the arrangement fee must not exceed the products maximum LTV.

For properties valued over £10m, please refer to Halifax for fee.

Higher Lending Charges are calculated on the difference between 75% of the value of your home and the amount you wish to borrow. Added fees will not be included in this calculation.

Lender Conveyancing Fee - £161.27 Payable on completion. A non refundable legal fee to your conveyancer for work carried out on our behalf payable before the mortgage completes. The figure is an estimate and does not cover work done on your behalf or fees paid to others such as search fees. A deeds despatch fee which is currently £50 is payable whenever the deeds are despatched.

Repayment Administration Fee - £0.00 Payable on completion.

Mortgage Account Fee - £245.00 Payable on completion. A Mortgage Account Fee is payable on completion. The fee is to cover the setting up, routine maintenance, and closing down of the mortgage account. The fee is non refundable.

Freehold Flat Refer

Purpose Built Flat Yes

Converted Flat Yes

Flat Over Shop Refer

Maisonette Yes

Studio Flat Yes

Flying Freehold No

Thatched Refer

Timber Framed No

Concrete Refer

Agricultural Tie No

Flat Over 4 Storeys Yes

Listed Building Yes

Max Discount% 100

Max Market Value% 95

New Build acceptable.

Accepted Locations : England, Scotland, Wales, N Ireland

Shared ownership : Accepted

Bank Statements 3 months

At Least 3 Months Pay Slips Yes

P60 Yes

Proof Of Residency Yes

Life Policy To Be Assigned No

Previous Lender References No

Buildings Conditional

Min Loan

Max Loan £500,000

Max Portfolio of BTL Loans none

Min Age 18 years

Max Age none

Min Term none

Max Term 40 years

Foreign Citizens Refer

Ex-Patriates Not Accepted

Based on Income > 0

4.5 + 1 or 4 joint

Min months in current position none

Min months in continuous service none

Min no. of years accounts 3

Average years taken to calculate income 2

Will consider declining profit Refer

Lending based on affordability

For loans under 75% LTV, verification of income may not be required, dependent on credit score. On request customers must be able to provide income verification regardless of LTV. Halifax will advise full requirements on application.

Hire Purchase Annualised payments deducted from salary

Personal Loans Annualised payments deducted from salary

Overdraft Refer to lender

Credit/Store Cards Annualised payments deducted from salary

Child Maintenance Annualised payments deducted from salary

Child Education NOT Taken into account

Extra Income:-

Other Income - Guaranteed Add 100% to income before multiply

Other Income - Regular Add 60% to income before multiply

Other Income - Irregular Add 60% to income before multiply

Investment Income Refer to Lender

Mortgage Subsidy Add 100% to income before multiply

Large Town Allowance Add 100% to income before multiply

Maintenance Payments No

Non Contributory Pension No

Car Allowance Add 100% to income before multiply

Remortgage Not Available

CCJs : Refer to lender

Defaults : Refer to lender

Arrears : Refer to lender

Bankrupt : Refer to lender

Current IVA : Refer to lender

Repossession : Refer to lender

- The Lender will judge customers with previous or existing adverse credit in a flexible manner and every case will be judged on its individual merits, along with the customer's ability to keep up repayments on the mortgage, taking into account his/her existing liabilities.

- The Lender will consider cases of financial difficulty and mortgage arrears sympathetically.

- The Lender follows the general principles of the Council of Mortgage Lenders' Statement of Practice on Handling Arrears and Possessions, including :

a) with your co-operation, developing a plan with you for dealing with your financial difficulties and clearing the arrears, consistent with both your interests and those of the Lender.

b) possession of your property will be sought only as a last resort when attempts to reach alternative arrangements with you have been unsuccessful.