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Easyswitch Mortgages

Halifax Mortgages

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History of Halifax Mortgages

Halifax have been one of the biggest mortgage lenders in the last 20 years, helping with the boom in property ownership and property values during that time.

Owned by many people, it was originally a Building Society that grew through acquition until it reached a size that allowed it to be bought by Bank of Scotland, creating HBOS - a mortgage market leader in terms of sales for year on year.

Recent issues with risk, lending policy and government bail-outs meant that Halifax nearly disappeared from High Street, but the rescue have allowed this important lender to survive. Gone are the days of market leading rates but the appetite to lend money in the property market is slowly improving.

Halifax Mortgage Rates

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Your property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

 
If you are considering any debt consolidation - Think carefully before securing other debts against your home.
 
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
 
We normally do not charge any fees for our mortgage advice as the majority of mortgage lenders will pay us a procuration fee for our work. We do offer a fee-based service should you prefer, which will cost no more than 0.35% of the mortgage advance. Any mortgage procuration fee would then be rebated to you on completion. Some lenders do not pay a procuration fee, so we will need to charge you a flat fee for our advice and administration, typically £499. We also reserve the right to charge an administration fee for mortgage applications below £100,000, to ensure that we can earn a minimum of £500 from a combination of commission, fees and other income from a mortgage application. Please ask us for more details.

We can deal with our clients using our Online Mortgage Service, by telephone or face to face. By using our Online Mortgage Service you accept that our Independent Mortgage Advice is based upon the information you have provided us.

Easyswitch Mortgages and Easyswitch Insurance are trading names of Essex Mortgage Centre Limited. Essex Mortgage Centre Limited. Registered office : 3 Warners Mill, Silks Way, Braintree, Essex, CM7 3GB. Company Registration Number 6009105, registered in England and Wales.
 
Essex Mortgage Centre Limited is an appointed representative of Mortgage Next Network Limited, which is authorised and regulated by the Financial Services Authority in respect of mortgage and insurance mediation activities only. Mortgage Next Network Limited is entered on the FSA register ( 300866)