Headline rates include:

Two-year fixed rate for first-time buyer products: 

• 75-85% LTV 2 year fixed rate products have been reduced by 20bps with rates from 2.39% (£495 fee)
• 85-90% LTV 2 year fixed rate products have been reduced by 30bps with rates from 3.68% (£495 fee)
• 90-95% LTV 2 year fixed rate products have been reduced by 30bps with rates from 4.69% (£495 fee)

Two-year fixed rate for home mover products:

• 75-85% LTV 2 year fixed rate products have been reduced by 20bps with rates from 2.44% (£495 fee)
• 85-90% LTV 2 year fixed rate products have been reduced by 30bps with rates from 3.68% (£495 fee)
• 90-95% LTV 2 year fixed rate products have been reduced by 30bps with rates from 4.69% (£495 fee)

Two-year fixed rate for remortgage products:

• 75-85%LTV 2 year fixed rate products have been reduced by 20bps with rates from 2.49% (£495 fee)

Five-year fixed rate for first-time buyer products: 

• 80-85% LTV 5 year fixed rate products have been reduced by 10bps with rates from 4.14% (£495 fee)
• 85-90% LTV 5 year fixed rate products have been reduced by 20bps with rates from 4.49% (£495 fee)

Five-year fixed rate for home mover products:

• 80-85% LTV 5 year fixed rate products have been reduced by 10bps with rates from 4.14% (£495 fee)
• 85-90% LTV 5 year fixed rate products have been reduced by 20bps with rates from 4.49% (£495 fee)

Five-year fixed rate for remortgage products:

• 80-85% LTV 5 year fixed rate products have been reduced by 10bps with rates from 4.09% (£495 fee)

Craig McKinlay, mortgages director at Halifax, said: “The reduction of rates within our two and five-year range demonstrates our ongoing dedication to helping homemovers and customers planning to remortgage save money by taking out a mortgage with Halifax.

“In addition to our current 1% cashback offer, these reductions further supports our commitment to helping one in four first-time buyers in 2015.”