For the use of mortgage intermediaries & other professionals only

First-time buyer support

Helping first-time buyers get on the ladder with £5,000 Deposit mortgage and First-Time Buyer Boost.

 

Terms, conditions and exclusions will apply.

Affordability calculator

Work out how much we can lend your clients on a mortgage.

Affordability calculator

Mortgage lending criteria

Read through our lending criteria to keep up to date with all our policies.

View our lending criteria

Mortgage product search

Search a list of our current products and rates.

Search products

Placing business

Register to join our panel and follow our guides on product transfers and further advance mortgages.

Placing business

Guides and forms

Browse our mortgage literature. We have guides and forms covering various topics that will assist you in doing business with us.

Guides and forms

First time buyer support

Helping first-time buyers get on the ladder with £5,000 Deposit mortgage and First-Time Buyer Boost. 

First-time buyer support

Product transfer – offer acceptance and cancellations

We have introduced a new offer acceptance step into our product transfer (PT) process. Once a PT is offered you will need to confirm the customer accepts the offer for the PT to take effect.

PTs can be cancelled before they have taken effect, but once a PT has taken effect this cannot be cancelled. Find out how to cancel a PT below.
 

More on product transfers

Intermediary news and updates

Latest intermediary news

20 May 2026 | Improvements to the Green Living Reward 

18 May 2026 | Launch of £5,000 Deposit mortgage

30 March 2026 | Premier Relationship Managers: New Phone Numbers

17 March 2026 | Lloyds Banking Group funds sustainable home finance scholarship for mortgage brokers

22 December 2025 | Universal Credit income verification changes

12 December 2025 | Launch of website - New build incentives calculator

5 December 2025 | Increasing access to First Time Buyer Boost and removing limits for Self-employed customers

14 November 2025 | Changes to non-UK national requirements

22 September 2025 | We’ve relaunched our Dashboard as Application Manager

03 September 2025 | Welcome to our New Build hub

01 July 2025 | Mortgages up to 95% loan to value

02 June 2025 | Income policy enhancements

15 April 2025 | Mortgage affordability changes

10 April 2025 | Alternative Lending Proposal (ALP) messages

17 March 2025 | Further advances : minimum loan reduced to £5,000 and non-sterling incomes accepted

14 March 2025 | Customers in vulnerable circumstances

05 March 2025 | New interest only calculator 

03 Feburary 2025 | Important changes to our product transfer process – offer acceptance 

29 January 2025 | Non-UK nationals – policy changes

29 January 2025 | Gifted deposits / Concessionary purchase scheme – policy changes

28 January 2025 | New combined Product transfer and Further advance application 

19 December 2024 | Update to Customer working age form

10 December 2024 | Using a property’s EPC rating in our affordability calculation

10 December 2024 | Green Living Reward – Free EPC

View more news

Intermediary education

Customers in vulnerable circumstances

We want all customers to be able to have the full use of the mortgage product or service they have with us and understanding customers extra support requirements means we can be flexible to their needs.

Find out more about the simple process in place for you to advise us if a customer requires extra support.

This includes the option for one of our trained colleagues to call the customer to discuss their support requirements.

View guidance (PDF, 21MB) PDF opens in a new tab, 1.1MB.

Consumer Duty – information for intermediaries

New FCA Consumer Duty rules and guidance sets out clear standards of consumer protection across Financial Services effective from 31 July 2023.

Find out more about expectations for mortgage intermediaries in relation to the Financial Conduct Authority’s (FCA) Consumer Duty.

See our product range Fair Value Statements for further detail.

Fair Value statements

Existing customer support

We understand your customer might be worried about the rising costs of living and maintaining their mortgage payments - we’re here to help. We have a range of options that could help support your customer through this difficult time.

 

Existing customer support

Join the movement towards a greener future

We have educational material to support you and your business with your own sustainability journey, as well as tools and resources for you to share with your customers.

Discover our tips and resources in our Green Living hub.

Explore Green Living

Intermediary insights

Stay informed and ahead of the curve with our intermediary insights hub. Explore a range of articles and videos from industry experts, designed to keep you informed and up to date in the intermediary mortgage space.

Intermediary insights

Halifax HVR and SVR at the moment 7.24%*

Financial Adviser Service Awards 2022 - Winner for mortgages, Halifax Intermediaries