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Our Mortgage Broker Guide to getting a mortgage in Halifax

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Halifax Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Only apply for credit if you're confident in your application

You should be as sure as you can reasonably be that you will be successful in any application for credit. You should, for example, have checked your credit file before you applied to assess how your prospective lender views you.

Any failed application for credit brings down your credit score.

Buy to Let Mortgage

People looking to buy to let can apply for mortgages which are designed specifically for this purpose. They normally have to satisfy certain conditions such as providing at least a 25% deposit and provide evidence that their projected rental income is likely to be at least 125% of the annual mortgage interest repayments.

Buy to let mortgages can include interest-only mortgages in addition to repayment mortgages. These kind of mortgages can often satisfy the risk profile of buy to let investors. Please click on Buy to Let Mortgages to find out more.


Huddersfield is a large market and university town (it hosts the University of Huddersfield) and showcases many examples of Victorian architecture. It also has many grand open spaces including Beaumont Park (also Victorian era).

Attractions are as diverse as Kirklees Light Railway - always a family favourite - and the Rugby League Heritage Centre.

HD5 8JZ

Property Price Stats for Halifax


Average property price in Halifax £142,172
% Change compared to last year 7%
Population of Halifax 95,000 (2006)


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

Mortgage Broker Halifax - Recently Completed

  • Lowerhouses lane, Huddersfield, HD5 8JZ
  • 102 Lambhall Road, Longwood, Huddersfield, HD3 3TJ
  • 48 Corby Street, Huddersfield , HD2 2SE
  • 72 Market St, Huddersfield, Yorkshire HD3 4HT
  • 153 Church St, Huddersfield HD1 4UJ

Local High Street Banks in Halifax

Mortgage Broker in and around Halifax

Our Halifax mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Brackenhall, Nettleton Hill, Kirkburton, Honley, Gawthorpe, Portslade and Thunder Bridge.

Which banks are local to you?


  • Barclays - 39/47 Commercial St, Halifax HX1 1BE
  • Natwest - 1 Waterhouse St, Halifax HX1 1JA
  • HSBC - 7 Commercial St, Halifax HX1 1HN

Book a Free Mortgage Broker Consultation
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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

Find a Home Mortgage

Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

Best Mortgage Advisors

FREE mortgage consultations for Halifax

Mortgage Brokers Halifax offering free first consultation (terms apply).

Access Mortgage Providers Quickly

Fast mortgage appointments

With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

Independent Mortgage Broker

Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Book a Free Mortgage Broker Consultation

Halifax Mortgage Broker Insider Tips

Book your home buyers survey as soon as you have your offer accepted.

Getting a RICS home buyers survey is always recommended because you get an expert opinion on whether a property you want to buy has any defects which may give you grounds to bargain for a lower price with a vendor or even pull out.

Once you have instructed a RICS surveyor, it may take perhaps up to 10 days before they can carry out their inspection and then they may take five working days (or more) to get the report back to you. You should therefore keep delays to a minimum by booking your survey as soon as possible.

Click to get your FREE RICS Home Buyers Survey Quote
*RICS Surveyors – Local Knowledge – Same Week Availability
Conveyancing Process
FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.