First time buyer
It's simple to work out how much you could borrow - you can work out roughly how much you can borrow using our simple mortgage calculator. To get a more accurate indication, involving a credit score (to assess the suitability of your application), you can complete an online Mortgage Promise.
Other ways on to the property ladder - we understand how difficult it is to get on the property ladder for the first time, so take a look at our tips to affording the house you want
Save a smaller deposit – you could buy sooner than you think because you can borrow up to 90% of the purchase price or valuation (whichever is the lower) for properties valued up to £555,555
We calculate interest on a daily basis - some lenders calculate the interest they charge on an annual basis. We don't - calculating on a daily basis could help save you money.
You maybe able to repay your mortgage over up to 40 years - spreading your repayments means you could start off with lower repayments. Equally you can choose to reduce the term of your mortgage to pay it off sooner. Just bear in mind that the longer you take to repay the more interest you'll be charged.
We offer free budget advice - to help you understand the upfront costs and those costs once you've moved in to your new home. Take a look at our budget checklist (opens as a PDF) to consider the upfront costs involved when buying a home.
All our mortgages have special features - a little flexibility in repaying your mortgage can really help. That's why, regardless of the mortgage deal you choose, we'll give you a whole host of special features.
Your home may be repossessed if you do not keep up repayments on your mortgage
Need a little help?
- By phone - Call us on 08458 50 37 05
- Apply at your local branch or Halifax Estate Agency - Find your nearest branch or Halifax Estate Agency and book an appointment with a professionally qualified Mortgage Adviser
- Or visit our interactive website which is packed with all the in-depth detail you need to understand what's involved when buying your first home.
Calls from BT landlines to 0845 numbers will cost no more than 2p a minute plus a 7p connection fee. The price of calls through other phone companies and from mobile phones will be different. The call price we have quoted was correct in November 2008.
We may monitor and record telephone calls to help us provide a higher level of service.
