Current deal ending

AdamJones

Low rate tracker untill June. Your LTV may sneak below 85 percent by that time. Furthermore you have the option to renegotiate with your existing lender or go to elsewhere at that time.

Thrugelmir

How much you owe , may well influence your decision. Remortgaging to another lender comes at a cost.

getmore4less

Full details of the mortgage needed and income

Long term Halifax tend to be more expensive than a lot of lenders.

and check your LTV if you are under 85% or can get there you should have better options.