Here is the latest update from Halifax. Their latest products are viewable here and all accessible via the Brilliant Solutions mortgage club. Contact us for more information.
Halifax Intermediaries – New discounted Loyalty Club mortgage products
What’s new?
From Thursday 22 October, eligible Club Lloyds customers purchasing a home through Halifax Intermediaries will be able to access new discounted Loyalty Club mortgage products.
Available for first-time buyers and home movers, these products provide another way to help customers secure the right mortgage for their needs.
The launch reflects our commitment to delivering greater value for brokers and their clients, while supporting our journey towards the launch of Lloyds Intermediaries in 2027.
The new Loyalty Club range will sit alongside our existing Loyalty Premier products, with eligible customers receiving the same discount and eligibility criteria whether they apply through an intermediary or directly with
Who is eligible?
- At least one applicant must hold a qualifying Club Lloyds current account with Lloyds Bank
- All ‘Club’ current accounts including Club Lloyds, Club Lloyds Silver and Club Lloyds Platinum qualify
- Customers can open or upgrade to a Club current account and then select a Loyalty Club mortgage product
- There is no minimum income requirement for a Loyalty Club mortgage product
Loyalty Club and Loyalty Premier
While both offer discounted mortgage products to customers with qualifying Lloyds Bank current accounts, they are separate propositions with different eligibility requirements.
Loyalty Club
- Qualifying Club Lloyds current account held with Lloyds Bank
- Available for purchase applications only
- Not available for remortgages, further advances or product transfers
- No minimum income requirement
- Available across Green Home A/B EPC Cashback, New Build Extended and Affordable Housing products.
Loyalty Premier
- Qualifying Lloyds Premier current account held with Lloyds Bank
- Available for purchases, remortgages, product transfers and further advances
- For purchases and remortgages applications, at least one applicant must have an income of at least £100,000
- The £100,000 income threshold is based on basic salary plus bonus, overtime and commission for employed applicants, or the latest year’s income for self-employed applicants
- No minimum income requirement for product transfers or further advances
- Not available across Green Home A/B EPC Cashback, New Build Extended and Affordable Housing products
What you need to do
In the ‘Loyalty information’ section of the Loan details screen, select ‘Yes’ if the customer holds a Club Lloyds or Lloyds Premier current account, then enter their current account sort code and account number.
On joint applications, where both Club and Premier are held, only Premier products will show on the quote screen. To select a Club product instead, return to the Loyalty information section, change Premier to No and leave Club as Yes.
Keep evidence that the customer holds a qualifying Lloyds Bank account, such as a bank statement or account-opening welcome email. You do not need to upload this with the application, but we may request it as part of our file quality checks.
If the customer wishes to open or upgrade an account, direct them to the Club Lloyds or Lloyds Premier websites. The qualifying account must be open or upgraded before a Loyalty mortgage product is selected.
From Thursday 22 October, Loyalty Club products will be marked with a ‘Club’ icon on our Product Search tool and Products Guide, and Loyalty Premier products with a ‘Premier’ icon. Loyalty products will also be available through your usual sourcing platform.
Explore our new Loyalty Club products or find out more on both Loyalty Club and Loyalty Premier from Thursday October.
Halifax Intermediaries product changes – Tuesday 20 October 2026
We are making the following changes to our mortgage product range with effect from Tuesday 20 October:
Homemover and First time buyer
- Rate reductions of up to 0.09% on selected 2,3 and 5 year fixed products
- Rate reductions of up to 0.12% on 2 year tracker products
Remortgage
- No changes
Product Transfer and further advance
- No changes
Further information
- The product search tool on the Halifax Intermediaries website, Halifax Intermediaries Online and sourcing systems will be updated by Tuesday 20 October
- To secure existing product codes, please submit applications in full by 8pm Monday 19 October