Halifax - viewing mortgage online

cheekychappy

Can't see mine online, but did have a letter saying how they are changing from Roll No to Account no.

John424

Happy to see this now up and running, although not quite so happy to see my mortgage balance still slightly the wrong side of 200k, never mind, only 18 years to go.........

Oddly, with all the info now showing I would have thought they would have included a valuation like in the old days so as to work out your LTV on a 'fagpacket'.

Suarez

You can make Ad Hoc payments with Halifax Online banking.

Select the account the funds are coming from, click make a payment, set up new recipient, search for Halifax Mortgage and use your account number as the reference.

Tenyearstogo

You can also pay money off to different parts of your mortgage. 1/3 of mine is at a higher rate than the other 2/3. I can pay all my overpayments to the mortgage sub account with the highest interest.

The halifax told me to use my mortgage account number with 00 on the end as a reference for normal overpayments, or 01/02/03 depending on the sub account I choose.

Suarez

Tenyearstogo wrote: »

You can also pay money off to different parts of your mortgage. 1/3 of mine is at a higher rate than the other 2/3. I can pay all my overpayments to the mortgage sub account with the highest interest.

The halifax told me to use my mortgage account number with 00 on the end as a reference for normal overpayments, or 01/02/03 depending on the sub account I choose.

That's interesting...What if I wanted to clear my sub account which includes the mortgage fees? Is the 10% over payment rule 10% of the mortgage balance or 10% of the sub account balance?

Suarez

Tenyearstogo wrote: »

The halifax told me to use my mortgage account number with 00 on the end as a reference for normal overpayments, or 01/02/03 depending on the sub account I choose.

As my mortgage account number ends in 00 do I change this to the 01/02/03 or do i add the additional numbers?

rothchick

Suarez wrote: »

That's interesting...What if I wanted to clear my sub account which includes the mortgage fees? Is the 10% over payment rule 10% of the mortgage balance or 10% of the sub account balance?

Its 10% of the balance on each sub account from the day it migrated to the new system. Obviously the 10% only applies to sub accounts that are on the product with the Early Repayment Charge. If you pay off more than 10% you will automatically get the charge applied to that sub account.

HTH

rothchick

Suarez wrote: »

As my mortgage account number ends in 00 do I change this to the 01/02/03 or do i add the additional numbers?

You add the additional to make it into a 16 digit account number

Andrea75

Tenyearstogo wrote: »

You can also pay money off to different parts of your mortgage. 1/3 of mine is at a higher rate than the other 2/3. I can pay all my overpayments to the mortgage sub account with the highest interest.

The halifax told me to use my mortgage account number with 00 on the end as a reference for normal overpayments, or 01/02/03 depending on the sub account I choose.

I guess you can't choose which sub account to pay into online and have to ting Halifax to do that?

Andrea75

Tenyearstogo wrote: »

You can also pay money off to different parts of your mortgage. 1/3 of mine is at a higher rate than the other 2/3. I can pay all my overpayments to the mortgage sub account with the highest interest.

The halifax told me to use my mortgage account number with 00 on the end as a reference for normal overpayments, or 01/02/03 depending on the sub account I choose.

I guess you can't choose which sub account to pay into online and have to ring Halifax to do that?