Earn over £100,000 and looking for a mortgage? Halifax still offering a 4.33% fix providing you open a Lloyds current account

by Aaron Strutt

Jul 22 2026

Even though many mortgage rates have increased over the last ten days, Halifax is still offering higher-earner fixes starting from 4.33%.

Halifax for Intermediaries recently granted brokers such as Trinity Financial access to Lloyds Premier current account mortgage rates for eligible borrowers earning over £100,000. The rates undercut many fixed-rate mortgages on the market, even though they recently rose by 0.2%.

The lender’s most competitively priced rate is fixed at 4.33%, and it has a £999 arrangement fee. Applicants will need a 40% deposit to qualify, and the mortgage is available between £25,000 and £2 million. If you would prefer to take a longer-term fix, Halifax also has a sub-4.4% three-year fix and a five-year fix priced just over 4.3%. These rates also have £999 arrangement fees, and applicants need to earn over £100,000 to qualify.

Trinity Financial’s mortgage brokers have access to Halifax Intermediaries and can check whether borrowers qualify for Lloyds Premier mortgage rates. To be eligible, at least one applicant must hold a Lloyds Premier current account.

New customers may also be able to open a Lloyds Premier current account before applying for one of the mortgage deals, provided they receive their account number and sort code before the broker submits the mortgage application. The process takes around 30 minutes, and the current account should be opened on the same day.

Aaron Strutt, product director at Trinity Financial, says: "It is not always that tempting to open another current account, especially for a mortgage, but Lloyds is making it worthwhile with current account incentives as well as cheaper fixed rates. There is a lot of competition in the market to attract higher earners at the moment."

Representative example: A Halifax capital and interest mortgage of £1,000,000 payable over 30 years, initially on a fixed rate basis at 4.29% for two years and then on the lender's 6.49% standard variable rate for the remaining 28 years. The 4.29% rate would require 25 monthly repayments of £4,967.09 followed by 335 payments of £6,715.52. The total amount repayable would be £2,373,976.45 made up of the loan amount, plus interest (£1,379,329.95) and £999 (product fee), £80 (final repayment charge), £15 (completion fee). The overall cost for comparison is 6.3% APRC representative.

Speak to a Trinity Financial adviser today

The mortgage market moves fast — and the right advice can make a significant difference to the rate and deal you secure. Get in touch with our team to discuss your options.

Call Trinity Financial on 020 7016 0790 to secure a fixed or tracker rate mortgage, book a consultation, or use our appointment calendar

The information contained within was correct at the time of publication but is subject to change. It is for general information purposes and is not advice.

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