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Effective URL: https://www.halifax.co.uk/mortgages/existing-customers/switch-to-a-new-deal.html?utm_source=MTG&utm_medium=DM&utm_campaign...
Submission: On October 16 via api from GB — Scanned from GB
Effective URL: https://www.halifax.co.uk/mortgages/existing-customers/switch-to-a-new-deal.html?utm_source=MTG&utm_medium=DM&utm_campaign...
Submission: On October 16 via api from GB — Scanned from GB
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* Your annual statement explained
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SWITCH TO A NEW MORTGAGE DEAL
If you already have a mortgage with the Halifax, we’ve made it simple to set up
your next deal from home.
SWITCH DEALS THE FASTER WAY
Switch deals the faster way
If your current Halifax mortgage is coming to an end, here’s the quickest way to
set up your new deal.
We’ll show you all the deals that are available to you. Choose the one you like
the look of, answer a few simple questions and get an answer in around 10
minutes.
If you start to apply online but decide you’d like some help, our expert
advisers are always ready to support you.
See your personalised deals Find your new deal online
* Getting a new deal is easy - get an answer in around 10 minutes.
* Switch deal today or start later - secure an interest rate up to six months
before your current deal ends.
* No Early Repayment Charges - if you’re in the last three months of your
current deal, we’ll waive all early repayment charges as a thank you for
staying with us.
* No legal fees or valuation charges
YOU COULD LOSE YOUR HOME IF YOU DON’T KEEP UP YOUR MORTGAGE REPAYMENTS
ALREADY STARTED YOUR SWITCH?
Already started your switch?
Ready to continue? Sign back in and we’ll send a passcode to your mobile device
so that you can quickly pick up from where you were.
Sign in and continue Sign in and continue
WOULDN’T IT BE LOVELY TO BE MORTGAGE-FREE?
Wouldn’t it be lovely to be mortgage-free?
* Every month, we’ll pay off someone’s mortgage up to the value of £300,000.
* There are also 100 monthly prizes of £1,000 cash.
Not having a mortgage to pay each month could make a big difference - could you
be the one going through this life changing moment next month? Find out if you
are eligible and how to register. Mortgage Prize Draw rules apply.
Mortgage prize draw about the mortgage prize draw
NEED TO SPEAK TO US?
Need to speak to us?
If you need some help and would like to speak to us now, you can call us on 0345
850 0248 to speak to an adviser.
We're open Monday to Friday 8am to 8pm, Saturday 9am to 4pm, we’re closed
Sundays and Bank Holidays.
* FAQS EXPANDABLE SECTION
* 1. Jump to What should I do if my current deal is ending soon?
* 2. Jump to Which lender variable rate will apply at the end of my current
deal?
* 3. Jump to When can I switch deals?
* 4. Jump to How do I know which deal to choose?
* 5. Jump to How do you decide what deals to offer me?
* 6. Jump to How can I find the energy efficiency of my property?
* 7. Jump to What do I need to apply online?
* 8. Jump to What happens when I apply for a new deal?
* 9. Jump to What happens once I have agreed to proceed with the
application?
* 10. Jump to What happens if I change my mind?
* 11. Jump to Will I have to pay any early repayment charges?
* 12. Jump to Will I be charged any fees?
* 13. Jump to Can I borrow more or make changes to my existing mortgage at
the same time?
* 14. Jump to Can I move home and keep my current mortgage?
* 15. Jump to Can I protect my mortgage?
* 1.
WHAT SHOULD I DO IF MY CURRENT DEAL IS ENDING SOON?
We’ll be in touch before your current deal ends to let you know about your
options.
If you want to switch to a new deal, you can secure a new rate up to six
months before your current one ends. You can start your new rate
straightaway or wait until your current deal ends. If you choose to start
your new deal straightaway and there's more than three months left on your
current deal, you may have to pay early repayment charges.
If you decide not to switch, we’ll automatically move you onto one of our
variable interest rates when your current deal ends. Staying on this
variable rate may cost you more each month. And your interest rate and
monthly payment could also go up or down from month to month. So, it’s a
good idea to check if switching to a new rate is better for you – as if
rates go up, you could end up paying more for your mortgage each month
than you budgeted for.
To help you understand your options, we’ve compared the different types of
rates. If you have any questions, you can call us on 0345 727 3747.
Back to top
* 2.
WHICH LENDER VARIABLE RATE WILL APPLY AT THE END OF MY CURRENT DEAL?
Your offer letter will tell you the lender variable rate that will apply
at the end of your current deal. This is usually the Halifax Homeowner
Variable Rate. However, if you applied for your current deal before 4th
January 2011 it could be the Halifax Standard Variable Rate. The Halifax
Standard Variable Rate is no longer available so if you choose to switch
deals, you will never be able to go back to the Halifax Standard Variable
Rate.
Back to top
* 3.
WHEN CAN I SWITCH DEALS?
If you're on a fixed rate:
You can arrange a new deal up to six months before your current one ends.
Once you’ve arranged your deal and secured your interest rate, you can:
⦁ Wait until your current deal ends
⦁ Move to the new rate straightaway
If you move to your new rate and there are more than three months left on
your current deal, we may charge you early repayment charges. Depending on
your current monthly payments and the new deals available, you may save
money by switching even if you need to pay early repayment charges. You
can check how much these charges would be in your original offer letter,
latest mortgage statement or by giving us a call 0345 727 3747.
If you’re on a lender variable rate:
You can arrange to switch to a new deal at any time without paying any
early repayment charges.
Back to top
* 4.
HOW DO I KNOW WHICH DEAL TO CHOOSE?
Our current mortgage deals which we show you are based on how much you owe
in relation to how much we think your property is worth. This is known as
your loan to value (LTV) and it's expressed as a percentage figure. We
also consider other factors when determining the rates we offer you.
If you check all our current deals we’ll show you all the deals which you
are eligible to switch to - usually there are shorter term deals and
longer term deals.
If you want to talk to a mortgage adviser for advice about your options
you can give us a call or book an appointment in branch. It’s a good idea
to make sure that everyone named on the mortgage can attend the
appointment or call.
Back to top
* 5.
HOW DO YOU DECIDE WHAT DEALS TO OFFER ME?
As a responsible lender we’ll make decisions based on understanding your
individual circumstances. We’ll create tailored mortgage offers based on a
number of factors; including your current credit score, usage
of your accounts and in some cases, the energy efficiency
of your property.
Back to top
* 6.
HOW CAN I FIND THE ENERGY EFFICIENCY OF MY PROPERTY?
The energy efficiency of your property is measured by its Energy
Performance Certificate rating (EPC). Further information is available on
our Green Living Hub.
Back to top
* 7.
WHAT DO I NEED TO APPLY ONLINE?
If you want to apply online it'll take about 10 minutes and you'll need
your mortgage account number to hand. You'll only be able to apply online
if you've a 14 digit account number. You'll have either a 14 digit account
number or it'll start with 'A/'. Check your latest mortgage statement
or sign in to Online Banking to view your mortgage account number. If
you're not registered for Online Banking yet, it's easy and only takes
about 5 minutes. Find out how to register.
Back to top
* 8.
WHAT HAPPENS WHEN I APPLY FOR A NEW DEAL?
If you apply online you will be able to view these documents online and
accept your new deal electronically. You will also get paper copies in the
post for your records.
If you apply over the phone then you will receive these documents in the
post and by email (if you have provided an email address).
If you have any interest only borrowing and you are looking for a new
deal, you must have a repayment plan in place and apply over the phone or
in branch. We may ask you to provide suitable documentary evidence.
You will need to agree to proceed with your application before we can make
you a formal offer.
Back to top
* 9.
WHAT HAPPENS ONCE I HAVE AGREED TO PROCEED WITH THE APPLICATION?
When you agree to proceed with the application we will make you a formal
offer. You should read your offer carefully to make sure you are still
happy to go ahead. You do not need to do anything else unless you change
your mind. We will send you a letter telling you when the transfer will
take effect from and when we will start collecting your new monthly
payment.
Back to top
* 10.
WHAT HAPPENS IF I CHANGE MY MIND?
If you change your mind after submitting your application you will need
to contact us immediately.
Back to top
* 11.
WILL I HAVE TO PAY ANY EARLY REPAYMENT CHARGES?
Details of any early repayment charges that may apply to you, and when
they may be charged will be shown in your offer letter. After you have had
your mortgage for a year, your annual statement will also tell you this,
or you can call us on 0345 850 3705.
As a current concession, early repayment charges that would otherwise be
triggered by the switch are waived if there are 3 months or less to run on
your existing deal. This waiver does not apply to other transactions which
might trigger the payment of an early repayment charge, such as a lump sum
overpayment.
If your existing deal has more than 3 months left to run, you can still
switch your deal, but the waiver would not apply, so you may have to
pay early repayment charges.
Back to top
* 12.
WILL I BE CHARGED ANY FEES?
If you switch with us, you won’t need to pay any legal fees or need a new
valuation. Depending on the mortgage deal you choose, we may charge you a
fee, called a product fee. You can pay this fee up-front, or you can add
it to the total mortgage amount. If you add it to your mortgage, we’ll
charge interest on it at the same rate as the rest of your borrowing. You
can check our current deals for more information.
Back to top
* 13.
CAN I BORROW MORE OR MAKE CHANGES TO MY EXISTING MORTGAGE AT THE SAME
TIME?
If you're looking to borrow more at the same time as switching to a new
deal, or you want to make a change to the term or repayment type of your
existing mortgage, you'll have to contact us to discuss your needs and
circumstances with a qualified mortgage adviser.
Back to top
* 14.
CAN I MOVE HOME AND KEEP MY CURRENT MORTGAGE?
When moving home, you'll need to apply for a new mortgage. However, you
may be able to keep your existing Halifax mortgage deal, this is often
called Porting. Find out more about moving an existing Halifax mortgage.
Back to top
* 15.
CAN I PROTECT MY MORTGAGE?
You can protect your mortgage with our Life and Body Cover. This type of
insurance can give you the peace of mind of knowing that you and your
loved ones will be able to keep your home if something happens to you. It
could help to pay off your mortgage in the event of your death, or if you
become too ill to work.
We have a range of options available to Halifax mortgage customers. Our
Mortgage and Protection Advisers are on hand to discuss your needs and can
help you to find the right level of cover for your needs.
You can find out more about protecting your mortgage, the cover we offer
and how to get a personalised quote by visiting our Mortgage Protection
page.
Back to top
Back to top Back to top
--------------------------------------------------------------------------------
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