Remortgaging with halifax: getting the most suitable deal with a mortgage broker

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Thinking about remortgaging your Halifax mortgage? You’re not alone. Many homeowners find themselves at a point where their current mortgage deal is coming to an end, and remortgaging can be a great way to secure a better interest rate and potentially save thousands of pounds over the remaining term of your mortgage.

But navigating the remortgage process can be daunting, especially with a lender like Halifax, which offers a wide range of products and options. This guide will walk you through the key steps involved in remortgaging with Halifax, highlighting the benefits of using a mortgage broker to ensure you get the best possible deal.

Check out our brief remortgage video below

Understanding your remortgage options with halifax

When your Halifax mortgage deal is nearing its end (typically three to six months before), you’ll be presented with a few options:

Switch to a new Halifax remortgage product:

Halifax will likely contact you with their own remortgage deals. These can be attractive but don’t assume they’ll be the best fit.

Remortgage to a different lender:

The wider mortgage market offers a vast array of remortgage products from various lenders. You might find a better interest rate or product features that suit your needs better elsewhere.

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Testimonials

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My girlfriend and I are buying our first home and Paul has been absolutely fantastic every step of the way. He’s knowledgable, friendly and very approachable, regardless of the time of day, even replying to emails at gone 9 o’clock at night! Would definately recommend and will definately be using in the future!

Daniel Lee

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The whole process of getting the right mortgage was made easy, with continued support all the way through. Highly recommended.

Sinead Ennis

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Paul helped me find a new mortgage. His knowledge was invaluable. Adding to this, he was extremely patient with me while we navigated some complex decisions. Thanks Paul, amazing service!

Louisa Smurthwaite

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Paul has been incredibly helpful and informative every step of the process of me owning a property, as a first time buyer there was I lot I didn't know and he's really gone the extra mile for me.

Chris Healy

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Paul's dedication, expertise and attention to detail was instrumental in securing the deal for my house purchase. In my opinion his fees was money very well spent, and would recommend him without hesitation.

Paul Ho

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Benefiting from Paul's expertise to help us secure our first mortgage was very precious. Paul was always available to answer any query we had, and he submitted our application very quickly once we had gathered our documentation. I've already recommended the company's services to friends!

Charlotte Faucher

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Paul has been exceptional during the course of this year helping us buy our next property, his support and guidance through a lengthy and tricky transaction was second to none. Paul is very personable, and unlike many other brokers would work outside the normal 9-5. Always had our best interests in the forefront. Highly recommend 🙂

Cally Bravington-Smith

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Very professional and personable, Paul always had the time to ensure that we understood everything and that we got the best deal possible that was right for us.

Tim Whitcher

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Paul was very helpful in sourcing the best equity release deal at a time of sudden increases in interest rates. He kept me Informed during the process and was always available to answer questions.

Pat Traynor

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Benefits of using your property financial mortgage brokers for remortgaging with halifax

While you can navigate the remortgage process directly with Halifax, there are significant advantages to using a mortgage broker:

Access to a Wider Market: Mortgage brokers have access to deals from a vast pool of lenders, not just Halifax. This gives you a much higher chance of finding the best possible interest rate and product features for your individual circumstances.

Expert Guidance: A qualified mortgage broker will guide you through the entire remortgage process, explaining complex terms and tailoring your options to your financial situation and goals.

Save Time and Effort: Researching and comparing remortgage deals can be time-consuming. Mortgage brokers handle the legwork, saving you valuable time and ensuring you don’t miss out on any suitable options.

Negotiation Expertise: Mortgage brokers have strong relationships with lenders and can negotiate on your behalf to potentially secure a better interest rate or terms.