Halifax (Lloyds) Mortgage Calculator
Estimate your monthly Halifax (Lloyds) mortgage payment at current rates. Free, no signup.
Halifax (Lloyds) mortgage rate
| Lender | Typical rate | Max term |
|---|---|---|
| Halifax (Lloyds) | 4.50% p.a. | up to 25 years |
Reference 2026; BoE base 4%. Your rate depends on your profile and deposit — verify with the bank.
Worked example
Example: £300,000 Halifax (Lloyds) mortgage at 4.50% for 25 years.
- Monthly payment: £1,667
- Total interest: £200,249
- Total payable: £500,249
Frequently Asked Questions
What is the Halifax (Lloyds) mortgage rate?
Halifax (Lloyds) mortgage rates are around 4.50% p.a. as a 2026 reference. Reference 2026; BoE base 4%. Your exact rate depends on your profile and deposit.
How is the Halifax (Lloyds) monthly payment calculated?
Using the reducing-balance formula on the financed amount. Enter your amount, rate and term in the calculator above.
How much deposit do I need?
A larger deposit lowers your rate and total cost. Most lenders also add valuation, legal and registration fees on top of the deposit.
Can I reduce the total cost?
Yes — a bigger deposit, shorter term, and extra/early repayments all cut total interest. Check for any early-repayment charges first.