Fees and charges

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We charge certain fees in connection with mortgages. These are set out below and, unless we state otherwise, can change from time to time. We will send your clients information about these fees each year (except where there have been no changes and no new fees introduced). We will also notify your clients of any changes in fees at the time when they ask for or receive the service for which we charge the fee. Further details of the fees we charge can be found on our website at www.halifax.co.uk/mortgages

Service or application fee


Product fee

(please note that this fee is only refundable before the mortgage starts. It can be added to the mortgage on completion, but interest will be charged). If product fee is added to the loan it will be included in the affordability calculation.

Product specific – see product details for amount

Property re-inspection fee


In addition, your clients may have to pay any fees, costs or charges we have to pay to third parties in connection with your mortgage, for example, any land registry fees we incur in closing down your mortgage.

If an early repayment charge is due, it is shown in the mortgage offer.

The following fees may apply depending on the conduct of an account:

Arrears (action taken)

Arrears Management Fee - We may charge an arrears management fee when we attempt contact with customers in arrears to reflect the extra work we have to do and what that costs us


Litigation Management Fee - If we instruct solicitors to collect arrears or seek possession


In addition your clients will have to pay any costs we pay to third parties that we may instruct to recover money owed to us or to create or protect our security or in using our legal rights. Examples of costs we pay include:-

  • Field Agent costs - a Field Agent is a third party who will make a visit to the customer to discuss their financial circumstances on our behalf
  • Solicitor costs - Individual to each case
  • Court fees
  • Asset Manager costs - Asset Managers are third parties who will manage the marketing and sale of a repossessed property.

Our tracker rate mortgages are linked to Bank of England bank rate (also known as Bank of England repo rate). Details of this rate can be found on the Bank of England website at www.bankofengland.co.uk.

For independent information on mortgages, visit the website 'Money Advice Service'.

If you do not have professional experience, you should not rely on the information contained in this communication. If you are a professional and you reproduce any part of the information contained in this communication, to be used with or to advise retail clients, you must ensure it conforms to the Financial Conduct Authority's advising and selling rules. This site is intended for UK residents unless otherwise stated.

Halifax is a division of Bank of Scotland plc. Registered in Scotland No.SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Copyright © , Halifax plc. All rights reserved.