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Intelligent Mortgages

This chart shows how the different rates apply to each of our mortgages over time, from the start of the mortgage at the top of the page, towards the end of the mortgage at the bottom. So whether you're looking for fixed payments, the option to offset, or a rate that tracks the Bank of England's base rate, you can see at a glance how our mortgages compare.
Compare our mortgages
  Offset
Mortgage 		Fixed Rate
Mortgage 		80% Tracker
Rate Mortgage 		95% Tracker
Rate Mortgage
The overall
cost for comparison is:

6.1%
APR

6.0%
APR

6.0%
APR

6.1%
APR

Arrangement fee:

£199

£499

£349

£399
  Tell me more Tell me more Tell me more Tell me more

Start date

4.35%
(currently)
1.6% discount from offset variable mortgage rate for 3 months.

5.95%
(currently)
Offset variable mortgage rate for the remainder of the term.

4.95%
fixed until 31.10.06
(early repayment charges apply)

4.75%
(currently)
Tracks Bank of England's base rate until 31.10.06
(early repayment charges apply)

5.19%
(currently)
Tracks Bank of England's base rate +0.44 % until 31.10.06
(early repayment charges apply)

Year 2

 5.95% standard Variable Rate 4.95% variable fixed until 31.10.06. Early repayment charges apply 4.75% standard Variable Rate 5.19% standard Variable Rate

Year 3

 5.95% standard Variable Rate

5.80%
(currently)
0.15 % discount from standalone variable mortgage rate until 31.10.07

5.95%
(currently)
Standalone variable mortgage rate for the remainder of the term.

5.95%
(currently)
Standalone variable mortgage rate for the remainder of the term.
Thereafter 5.95% standard Variable Rate

5.95%
(currently)
Standalone variable mortgage rate for the remainder of the term.

    
 
The overall
cost for comparison is:

6.1%
APR

6.0%
APR

6.0%
APR

6.1%
APR
Arrangement fee:

£199

£499

£349

£399
  Tell me more about Offset Mortgage Tell me more about Fixed Rate Mortgage Tell me more about 80% Tracker Mortgage Tell me more about 95% Tracker 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?
Repayment:
A type of mortgage where your regular mortgage payment is split between paying interest and repaying the money you borrowed.
APR:
The cost of borrowing, including interest and charges, expressed as an annual percentage rate.
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.