Halifax customers in Cornwall
Halifax Deal Ending? Switch Fee-Free, Get Rewarded
Your Halifax deal is ending. You can take a new Halifax rate (a product transfer) or move to another lender. We compare both for you, and a product transfer with us costs nothing.
One reward, your choice
Your Halifax switch is arranged with no broker fee. Keep your reward as a voucher, donate it or split it proportionally — not both full amounts. The bigger the loan, the bigger the reward.
£5 to charity, paid by us
Kernow adds a separate £5 to your chosen Cornish cause from our retained commission, never from your reward. Donating some or all of your reward gives more.
Stay or move, compared
We check your Halifax options against the whole market, then tell you honestly which one is better.
Staying with Halifax or moving?
Stay with Halifax if their new rate is competitive: it's quick and usually needs no valuation.
Move if another lender beats it once fees are included, or if your home has gone up in value and you now fall into a cheaper loan-to-value band.
Want to borrow more or change your term? That may change which option wins, so we look at the full picture.
Get in touch 3 to 6 months before your Halifax deal ends. That leaves time to compare properly and lock in a rate before you drop onto the standard variable rate.
Halifax switching questions
How much notice does Halifax need for a product transfer?
Halifax, like most lenders, lets you choose a new deal ahead of your current one ending, typically up to around six months before. We confirm the exact date for your mortgage and get the new rate lined up so there's no gap on the standard variable rate.
Is a Halifax product transfer better than remortgaging?
A product transfer is simpler and usually has no valuation or legal work. A remortgage to another lender can be cheaper, especially if your property value has gone up. We check the whole market and your Halifax options side by side.
Can a broker arrange my Halifax product transfer?
Yes. Brokers can arrange product transfers with most major lenders, including Halifax. You get advice on whether it's the right move, and with us you also get the product switch reward.
Kernow Mortgages is an independent broker and a trading style of Orton Financial Ltd. We are not affiliated with, endorsed by, or acting on behalf of Halifax. Halifax is a trademark of its respective owner. Your home may be repossessed if you do not keep up repayments on your mortgage.
Contact Us
Ready to discuss your mortgage needs? Contact us today for expert advice tailored to your situation.
Form not showing?
Open in a new tabContact Information
Phone
01326 536 080Office Address
Unit 7b Bickland Water Road,
Falmouth, England,
TR11 4SZ
Consultations by phone or video call. Face-to-face appointments available (same day possible) — please phone or email in advance to arrange.