Halifax intermediaries cuts mortgage rates by up to 0.22%

The lender has also reintroduced a sub-5% mortgage rate as part of the changes.

Related topics:  Halifax,  Mortgage rates
Rozi Jones | Editor, Financial Reporter
3rd November 2026
Halifax Bank

Halifax intermediaries has announced rate reductions of up to 0.22% across its residential two, three and five-year fixed mortgage rates.

Two-year fixed rates have seen reductions of 14-22bps, now starting from 5.02% at 60% LTV, 5.17% up to 75% LTV, 5.22% at 80% LTV, and 5.24% at 85% LTV.

Three-year fixes now start from 5.05% at 60% LTV, rising to 5.17% up to 75% LTV, 5.27% up to 80% LTV, and 5.29% up to 85% LTV.

Five-year fixed rates have reduced by up to 21bps, also starting from 5.05% at 60% LTV. Rates increase to 5.16% at 60-75% LTV, 5.31% up to 80% LTV, 5.33% at 85% LTV, and 5.35% at 90% LTV.

The same discounts have been made across Club Lloyds rates. Customers with a Club Lloyds current account receive a 5bps discount vs Halifax and non-Club Lloyds customers. 

Therefore, the lender's lowest rate is now 4.97% for a two-year fix at 60% LTV, rising to 5.00% for three and five-year fixes.

All products come with a £999 fee.

 

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