Halifax Mortgages

High-street

One of the UK's largest mortgage lenders. Strong on mainstream residential, first-time buyers, and 1-year self-employed cases.

Where Halifax is strong

Accepts self-employed applicants with just 1 year of accounts in some cases
Generous income multiples for higher earners (up to 5.5×)
Wide LTV range, including 95% LTV options
Strong product transfer process for existing customers

Niche

Self-employed with 1 year of accounts, higher earners, FTBs at 95% LTV.

Quirks worth knowing

Sometimes uses an automated affordability calculator — manual underwriting on edge cases is limited compared to specialists.

Documents

Standard pack — ID, address, bank statements, payslips/P60, or SA302s + tax year overviews for self-employed.

Who Halifax suits

Mainstream employed borrowers, professionals (doctors / accountants / engineers), and self-employed with strong recent year.

How to access Halifax's rates

For current Halifax mortgage rates and an indication of whether they\'d lend to you, a mortgage adviser can pull live quotes during a 15-minute call. The headline rate you see advertised is rarely the one offered — your LTV, term, credit profile and property type all change pricing.

Most whole-of-market brokers have access to Halifax via the broker channel. Request a callback for a real adviser quote.

Compare with other UK lenders

Nationwide

High-street (building society)

Skipton Building Society

Building society

Frequently asked questions

Can I apply to Halifax via a mortgage broker? +

Yes — most UK whole-of-market brokers have access to Halifax's broker-channel products. Some lender-direct deals may differ.

Is Halifax good for first-time buyers? +

Yes — Halifax is a recognised lender for first-time buyers. One of the UK's largest mortgage lenders. Strong on mainstream residential, first-time buyers, and 1-year self-employed cases.

What documents does Halifax need? +

Standard pack — ID, address, bank statements, payslips/P60, or SA302s + tax year overviews for self-employed.

Will Halifax accept my income type? +

Halifax's strengths include: Accepts self-employed applicants with just 1 year of accounts in some cases. A mortgage adviser can confirm if your specific income pattern matches their criteria — request a callback below.

How long does a Halifax mortgage take? +

Most UK mortgages take 2–6 weeks from full application to offer. Product transfers with your existing lender are usually much faster — often same-day to 5 working days.