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Halifax fixed-rate mortgage changes announced

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Alterations have been published relating to the Halifax fixed-rate mortgage range.

A fixed mortgage rate of 4.45 per cent is now available for mortgages taken out on the two-year scheme.

The mortgage rate on the ten-year fixed-rate mortgage has been reduced from 5.19 per cent to 4.99 per cent.

Mark Heaton, the head of mortgages at Halifax, said that for those trying to find a mortgage that offers fixed monthly payments, the new two-year fixed-rate of 4.45 per cent is among the best mortgage rates available in the mortgage market.

He adds that for those trying to find a mortgage that offers the peace of mind given by a fixed mortgage rate over a longer term, the ten-year mortgage rate of 4.99 per cent could be an attractive option.

Halifax's two-year fixed-rate mortgage comes with an arrangement fee of �699, while the ten-year mortgage has a fee of �499.

Both the Halifax fixed-rate mortgage plans have an early repayment charge (ERC).

For the two-year mortgage deal, an ERC of three per cent for the one and two per cent for the other year applies.

An ERC ranging from one per cent to five per cent applies for the ten-year scheme.

The rest of the mortgage lender's offerings remain unchanged.

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