Halifax (previously known as Halifax Building Society) is a British banking brand operating as a trading division of Bank of Scotland, itself a wholly owned subsidiary of Lloyds Banking Group.

What are the mortgage products Halifax offers? 

Halifax offers a variety of mortgage products, including fixed and variable rate mortgages, first-time buyer mortgages, and home mover mortgages. They also provide personal loans, savings accounts, and ISAs.

How can I apply for a Halifax product? 

You can apply for Halifax products online through their website, by visiting a branch, or by calling their customer service, or by contacting a broker.

Can Halifax help residential mortgage customers? 

Yes, Halifax provides residential mortgages for both first-time buyers and those moving homes.

Can Halifax help Self-employed mortgage customers? 

Halifax offers mortgages to self employed applicants. They require the last 2 years Tax Calculations and corresponding Tax Year Overviews or last 2 years finalised accounts.

Can Halifax help first time buyer mortgage customers? 

Halifax offers a range of options for first time buyers with a maximum of up to 95% of the property's value. They also have Family Boost mortgages. 

Can Halifax help adverse mortgage customers? Or customers with poor credit rating?  

Halifax helps a range of customers with adverse credit and is the most popular lender for light adverse, including missed payments. 

Can Halifax help later life or retired mortgage customers? 

Halifax will offer retirement mortgages if the retirement income covers the terms of the mortgage. The maximum age at the end of the mortgage term is 80 years for all repayment mortgages and 70 if any part of the mortgage is on an interest only basis. 

Can Halifax help with second charge mortgages, secured loan or homeowner customers?  

Halifax provides second charge mortgages, allowing existing homeowners to secure additional funding against their property.

Can Halifax help buy to let mortgage customers?  

Halifax has buy-to-let mortgage options for landlords looking to invest in property for rental purposes.

Can Halifax help limited company buy to let mortgage customers? 

Halifax offers mortgages to buy to let limited companies.

Can Halifax help with commercial or short-term mortgage customers?  

Halifax primarily focuses on residential and personal lending, with less emphasis on commercial or short-term mortgage products.

What Credit scoring agency does Halifax use? 

The credit reference agencies used by Halifax include TransUnion, Experian and Equifax.