Halifax has cut mortgage rates by up to 0.16% across its product range, effective from today, 9th January 2026.
For homebuyer mortgage products, 2-year fixed rates with no fee now start at 3.74% for loans between £25,000 and £2m at up to 60% loan-to-value (LTV).
This rises to 3.83% at 75% LTV (down 0.16%), 3.94% at 80% and 85% LTV (down 0.08%), and 4.26% at 90% LTV for loans up to £750,000 (down 0.10%).
The rate for 90-95% LTV is 4.75%.
With a £999 fee, 2-year fixed rates start at 3.57% at 60% LTV, 3.62% at 75% LTV (down 0.16%).
Rates at 80% and 85% LTV are 3.75% (down 0.08%), 4.06% at 90% LTV (down 0.10%), and 4.55% at 90-95% LTV.
3-year fixed rates with no fee begin at 3.79% at 60% LTV (down 0.11%), 3.96% at 75% LTV (down 0.04%), 4.21% at 80% LTV, and 4.22% at 85% LTV.
At 90% LTV, the rate is 4.43% (down 0.06%) and 4.87% at 90-95% LTV (down 0.10%).
With a £999 fee on 3-year fixes, rates open at 3.62% at 60% LTV (down 0.11%), 3.82% at 75% LTV (down 0.04%), 4.08% at 80% LTV and 4.09% at 85% LTV.
For 90% and 90-95% LTV, rates are 4.26% (down 0.06%) and 4.70% (down 0.10%) respectively.
