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Fixed Rate Mortgage
Fixed until      
31.01.07 		Discounted until      
31.01.08 (currently) 		Standalone variable mortgage      
rate (currently) 		The overall cost
for comparison is
4.95%     5.80% variable         5.95% variable        6.0% APR
Tell me more about fixed rate mortgage How to apply for fixed rate mortgage
You've decided that this is the mortgage for you - so what's next?  
Step 1    Give us a call on 0845 605 8585 to tell us about yourself, the property you'd like to buy or that you're remortgaging, and how much you'd like to borrow.

We'll provide you with a "Key facts about this mortgage" document (also known as a "key facts illustration") and we should be able to give you a mortgage agreement in principle within minutes.
Step 2 We'll ask you to send us proof of your earnings - usually up to your last three payslips, or your last 2 years' accounts if you're self-employed.
Step 3 We'll organise a valuation of the property.
Step 4 We'll send you a mortgage offer setting out how much we will lend you. This remains valid for three months.
Step 5 The conveyancer dealing with the legal aspects of your mortgage will tell us the date they need to have the money we're lending. We'll send it to them so that they have it on the day you enter into your mortgage.
Find out your regular mortgage payments with a personal quote.
Find out your regular mortgage payments with a personal quote.
Find out your regular mortgage payments with a personal quote. Find out your regular mortgage payments with a personal quote. Find out your regular mortgage payments with a personal quote.
Find out your regular mortgage payments with a personal quote.
Bear in mind:
Your home may be repossessed if you do not keep up repayments on your mortgage.
What does it mean?
Completion date:
When you're buying a property, the day you pay the purchase price in exchange for the keys.
Interest-only:
A type of mortgage where your regular mortgage payment only covers the interest on the loan.
View all definitions
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Intelligent Finance is a division of Halifax plc. Registered in England No.2367076. Registered Office: Trinity Road, Halifax, West Yorkshire HX1 2RG. This site is intended only for people who live in the UK and you must be a UK resident to apply for our products.