How Much Can You Overpay on Your Halifax Mortgage?

Halifax says that where early repayment charges apply you can overpay up to 10% of the amount owed on 1 January, and that if you overpay more than 10% over the year the charge applies only to the amount above 10%. It says it can change the allowance at any time, with at least three months’ notice.

Lender terms change, and your own mortgage offer is what applies to you. This page was checked on 30 September 2026 against Halifax’s own page, linked below.

This page reports what Halifax publishes on its own site. It is general information, not advice and not a statement of your own mortgage terms. See our editorial policy for how we source and re-check lender facts.

What Halifax says about the yearly allowance

Halifax says that where early repayment charges apply you can overpay up to 10% of the amount owed on 1 January, and that if you overpay more than 10% over the year the charge applies only to the amount above 10%. It says it can change the allowance at any time, with at least three months’ notice.

Where ERCs apply, you can make overpayments of up to 10% of the amount owed as of 01 January.

If you overpay more than 10% over the year, we’ll only charge you on the balance you overpay above 10%.

Keep in mind: We can change the overpayment allowance at any time, so please check before you make any overpayments. We’ll always give at least three months’ notice before we do this.

What Halifax says about early repayment charges

Halifax says an early repayment charge could be payable up to and including the last day of your deal, and that you will not pay early repayment charges if you move home and it agrees you can transfer your current deal to your new mortgage (porting).

Keep in mind: An ERC could be payable up to and including the last day of your deal.

You won’t have to pay any ERCs if you move home and we agree you can transfer your current deal to your new mortgage, known as porting.

How to check your own allowance

Halifax says you can check your mortgage statement or offer, or call it, to see whether any early repayment charges apply to you.

To see if any ERCs apply to you, you can check your mortgage statement or offer, or you can call us.

Source: Halifax: Early repayment charges. Checked on 30 September 2026.

Working out a charge

If you are thinking about overpaying more than an allowance, use our early repayment charge calculator with the figures from your own mortgage offer. Our guides explain what an early repayment charge is, when an allowance resets and how the yearly limit works. If you are unsure, consider speaking to a regulated mortgage adviser.

Questions people ask

How much can I overpay on a Halifax mortgage?
Halifax says that where early repayment charges apply you can overpay up to 10% of the amount owed on 1 January, and that if you overpay more than 10% over the year the charge applies only to the amount above 10%. It says it can change the allowance at any time, with at least three months’ notice. Check your own mortgage offer, because the terms that apply to you are in it.

Where can I see my own allowance with Halifax?
Halifax says you can check your mortgage statement or offer, or call it, to see whether any early repayment charges apply to you. Your mortgage offer is the document that sets your terms.

Is this the same as my own mortgage terms?
Not necessarily. This page reports what Halifax publishes on its own site, as checked on 30 September 2026. Your mortgage offer sets the terms that apply to you, and they can differ by product and by the date you took the mortgage.

Other lenders we cover

Nationwide, NatWest, Santander, HSBC UK, TSB, Virgin Money, Yorkshire Building Society, Skipton Building Society, Barclays, Lloyds Bank.