Halifax existing customer rates? 12 November 2022 at 9:03PM in Mortgages & endowments 17 replies 1.8K views

Lewis7498

Is anyone currently dealing with Halifax at sub £150K as an existing customer? Just wondering what rates they are now giving 🤔

dimbo61

Are they not available on the Halifax website ?
New deals for existing customers?

JMA74

dimbo61 said:

Are they not available on the Halifax website ?
New deals for existing customers?

No, Halifax put their rates behind logins for each customer and don't publish them 

Lewis7498

Yes hence why I’m curious now as they are going down 😕 I wonder if I’ve peaked too soon!

JMA74

Halifax have always only changed the rates for existing customers on the 1st of the month.  So we wont see the impact of any industry rate reductions until 1st December.  I have a lot of clients in the same boat where we have secured a deal already but expect to change it on 1st December. 

cook0891

Lewis7498 said:

Yes hence why I’m curious now as they are going down 😕 I wonder if I’ve peaked too soon!

Did yours all go through ok in the end? 

Lewis7498

cook0891 said:

Lewis7498 said:

Yes hence why I’m curious now as they are going down 😕 I wonder if I’ve peaked too soon!

Did yours all go through ok in the end? 

Yea it did thankfully! But am hearing now it’s gone down further so curious by how much! Am still grateful though for our rate definitely 

Lewis7498

JMA74 said:

Halifax have always only changed the rates for existing customers on the 1st of the month.  So we wont see the impact of any industry rate reductions until 1st December.  I have a lot of clients in the same boat where we have secured a deal already but expect to change it on 1st December. 

Ooh I don’t suppose you could let us know on here if you hear anything on 1st could you? Cheeky I know!

cook0891

Lewis7498 said:

cook0891 said:

Lewis7498 said:

Yes hence why I’m curious now as they are going down 😕 I wonder if I’ve peaked too soon!

Did yours all go through ok in the end? 

Yea it did thankfully! But am hearing now it’s gone down further so curious by how much! Am still grateful though for our rate definitely 

Glad you got it sorted. 

I know a work colleague said her offer got reduced from nearly 1% (still lot higher than ours and different provider) 

Try not to stress and worry, even if it is now less. The reason you fixed was to stop the anxiety and uncertainty and still an amazing rate. I know easier said than done as I am the same. 😂

Lewis7498

cook0891 said:

Lewis7498 said:

cook0891 said:

Lewis7498 said:

Yes hence why I’m curious now as they are going down 😕 I wonder if I’ve peaked too soon!

Did yours all go through ok in the end? 

Yea it did thankfully! But am hearing now it’s gone down further so curious by how much! Am still grateful though for our rate definitely 

Glad you got it sorted. 

I know a work colleague said her offer got reduced from nearly 1% (still lot higher than ours and different provider) 

Try not to stress and worry, even if it is now less. The reason you fixed was to stop the anxiety and uncertainty and still an amazing rate. I know easier said than done as I am the same. 😂

So so true! I don’t know why I’m even asking the question to be honest 🤣 I think we still got a good deal so must let it go now… 😁

Helen1982uk

Don't know if it helps, but we got our offer finalised on Monday as a PT at under £150k. We fixed for 3 years at 4.77%. No non-fixed offers on the table, but the alternatives were around 6% for 2 and 5 year fixes.