Halifax reduces fixed rates by up to 0.28%

90% LTV products have seen the largest rate cuts.

Related topics:  Halifax,  Mortgage rates
Rozi Jones | Editor, Financial Reporter
1st August 2025
Halifax Bank

Halifax has announced rate reductions of up to 0.28% across its residential two and five-year fixed rate mortgage products.

In its two-year range, the lowest rate now available is at 3.81% up to 60% LTV following a cut of 21bps.

Two-year fixed rates have reduced to 4.03% at 75% LTV, 4.33% at 80% LTV and 4.36% at 85% LTV. In addition, a 90% LTV two-year fix has reduced by 28bps to 4.72%.

Five-year fixed rates have seen reductions of up to 0.20%, with the lowest rate now at 4.01%.

Five-year fixed rates are now available from 4.03% at 75% LTV, 4.21% at 80% LTV and 85% LTV, and 4.37% at 90% LTV.

As part of the changes, end dates have been extended to December of the relevant year.

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