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Fixed-rate mortgage available at Halifax

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Those trying to find a mortgage could look to a two-year fixed-rate mortgage offering currently available from Halifax.

Offering a mortgage rate of 4.45 per cent until April 30th 2008, the mortgage has an overall cost for comparison of 6.4 per cent ann ual percentage rate, according to the Mortgage Introducer website.

At the end of the fixed-rate mortgage term, the mortgage rate will revert to the mortgage lender's standard variable rate (SVR) for the remaining mortgage term.

The mortgage lender's SVR is currently at a level of 6.5 per cent.

Early repayment charges apply for the initial fixed-rate period of two years, while an arrangement fee of �699 and valuation cost of �300 will be charged.

Both the arrangement fee and the valuation charge could be added to the mortgage total.

Following the merger of Halifax and Bank of Scotland in 2001, HBOS has 22 million customers.

It claims to be the largest mortgage and savings provider in the UK, with assets in excess of �440 billion.

Halifax also supplies current accounts and credit cardsb.

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