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Halifax mortgage rates today, against the whole market

See Halifax mortgage rates at every loan to value band, side by side with the best rate any lender is publishing today. Halifax can show you its own deals. Theo shows you where they sit in the market.

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3D glass house with a sign, for Halifax mortgage rates today

Quick answer

Halifax mortgage rates are priced by loan to value band and fix length, so the rate that matters is the one at your band. On 21 October 2026, Halifax’s published product transfer rate for a 2 year fix at 75% was 5.11% with a £999 fee, against 5.09% as the best on the whole market.

For existing customers moving home, Halifax’s published rates were below the best open market rate at most bands. The table below updates every morning from Theo’s data.

Average 2 year fix 
Average 5 year fix 
Bank Rate 
Halifax 2 year at 75%5.11%
Best on the market5.09%
As at21 October 2026

Updated today

Halifax bands covered
60% to 95%
In Theo’s data
Fix lengths
2 and 5 years
Shown below
Halifax fee
£999
On most product transfers
Affiliated
No
Theo is independent
Halifax bands covered
60% to 95%
In Theo’s data
Fix lengths
2 and 5 years
Shown below
Halifax fee
£999
On most product transfers
Affiliated
No
Theo is independent

Halifax mortgage rates, three ways

  • NewRemortgaging to Halifax.
  • ExistingA Halifax product transfer.
  • MovingExisting customers moving home.
Halifax mortgage rates checked in Theo against today’s best rate for your band
Example screen from the Theo app, October 2026.

Halifax mortgage rates, checked daily

Add your Halifax mortgage to Theo and it checks your rate against the whole market every morning, with your fix end date, fees and Halifax’s standard variable rate.

Theo is independent

Theo is not affiliated with Halifax. The figures come from mortgage sourcing data and are a guide, not an offer. Log in to Halifax to see your own offer.

Not affiliatedNot advice

Your Halifax deal ending?

See product transfers.

Halifax mortgage rates: what affects yours

The main things that decide your Halifax rate.
FactorWhy it matters
Loan to value bandEach 5% band is priced separately
Fix length2 and 5 year fixes are priced differently
Staying or movingProduct transfers and home mover deals differ
Fee or no feeA lower rate often carries a bigger fee
Your circumstancesYour own offer can differ from published rates

Halifax or the whole market?

Halifax shows you Halifax. Theo shows you where Halifax sits.

  • HalifaxIts own deals, after you log in.
  • TheoEvery lender at your band, daily.
  • FeesShown beside every rate.
  • AlertsWhen the market beats your deal.

Halifax mortgage rates against the whole market

Choose a fix length, and whether you are staying put or moving home.

Loading today’s rates

Loading today’s figures.

How Halifax mortgage rates work

Halifax, part of Lloyds Banking Group, prices its mortgages by loan to value band and fix length, with different ranges for new customers, existing customers switching deals and existing customers moving home. Halifax mortgage rates can change several times a month, and the best Halifax deal at 60% is not the best at 85%. The table above shows each band side by side with the best rate any lender is publishing.

Halifax rates for existing customers

If your Halifax deal is ending, Halifax will usually offer a product transfer: a new rate with no legal work. On Theo’s data, Halifax’s published product transfer rates sit close to the best on the market at most bands, usually with a £999 fee. Your own offer depends on your circumstances, so log in to Halifax to see it. See Halifax product transfers.

Moving home with Halifax

Existing Halifax customers moving home can apply for Halifax’s home mover rates. On 21 October 2026, those published rates were below the best open market rate at most bands, which is worth knowing if you are moving and already with Halifax. Switch the table to “Moving home” to see them.

Asking your lender, or checking with Theo

When you log in to your lender, you see your lender’s deals. That is all it can show you. Theo shows where those deals sit in the whole market: the best rate any lender is publishing for your loan to value band today, the fees beside every rate, and the standard variable rate you would roll onto if you did nothing. Your lender tells you what it will offer. Theo tells you whether it is a good offer.

Theo is information, not advice, and it is not affiliated with any lender. When you are ready to act, an FCA-authorised adviser can check your options across the market.

If your Halifax deal ends and you do nothing

You move onto Halifax’s standard variable rate, usually well above any fixed deal. Theo shows Halifax’s current standard variable rate beside the table, and alerts you 12, 9, 6, 3, 2 and 1 months before your fix ends. See standard variable rates.

Common questions

What are Halifax mortgage rates today?
They depend on your loan to value band, fix length and whether you are new, switching or moving home. The table here shows Halifax’s published rates at every band against the best on the whole market, updated every morning.
Are Halifax mortgage rates good?
At some bands Halifax is close to the best on the market, and for existing customers moving home its published rates were below the open market at most bands on 21 October 2026. It changes often, so compare at your own band.
Does Halifax charge a fee on product transfers?
Many Halifax product transfers carry a fee, often £999, and some have no fee at a higher rate. Compare the rate and fee together.
Can I get a better rate than Halifax is offering me?
Possibly. Halifax shows only its own deals. Compare your offer with the best rate on the market for your band, and with any early repayment charge, before you decide.
Is Theo part of Halifax?
No. Theo is independent and not affiliated with Halifax or any lender. It provides information, not advice.

Keep exploring

Halifax product transferIs your offer a good one? UK mortgage lenders comparedEvery lender against the whole market. Product transfer or remortgage?Stay or move, compared on the true cost. What happens when your fixed rate ends?Your options, the timeline and the cost of waiting. What is a standard variable rate?Today’s typical SVR and what it costs you. Am I overpaying on my mortgage?Savings Intelligence, checked daily.

Written by Jason Foord, CeMAP-qualified mortgage adviser and founder of Theo. Updated 16 October 2026. Live figures on this page update automatically.

Theo App Ltd is not authorised by the Financial Conduct Authority and does not give mortgage advice. This page is information only and is not a recommendation. Halifax is a trading name of Bank of Scotland plc. Theo is not affiliated with Halifax. Rates are a guide from mortgage sourcing data, not offers. Not advice. Speak to an FCA-authorised mortgage adviser about your own circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.