Overview
Halifax is available through SmartrConnect for both Decision in Principle (DIP) and Full Mortgage Application (FMA) submissions. Halifax supports multiple case types depending on your firm's feature configuration, including First Time Buyer, Home Mover, Remortgage, and self-employment cases.
Supported Case Types
Case Type | DIP | FMA | Notes |
First Time Buyer | Yes | Yes | Standard support |
Home Mover | Yes | Yes | Requires Home Mover feature |
Remortgage | Yes | Yes | Requires Remortgage & Schemes feature |
Self-Employment | Yes | Yes | Requires Self-Employment feature |
Note: Raise Funds mortgages are not supported for Halifax submissions.
Mandatory Case Data
Before submitting to Halifax, ensure the following data is complete on your case:
General Requirements
FCA Number — Your firm's FCA number must be configured in Settings
Buyer Type — Must be a supported type (see table above)
Repayment Method — Repayment Only is always supported; Interest Only and Part & Part require the Remortgage & Schemes feature
Per-Applicant Data
Field | Required | Notes |
Personal details (name, DOB, contact) | Yes | Standard fact-find fields |
Income details | Yes | Halifax-specific income format |
Marital status | Yes | Halifax-specific marital status field |
Residential status history | Yes | List of residential statuses |
Verification status | Yes | Halifax verification status |
Employment records | Yes | Self-employment requires separate feature flag |
Property and Mortgage Details
Property address and value
Mortgage amount and term
Selected product details
Submitting a DIP
Complete all mandatory case data fields
Navigate to SmartrConnect in your case
Select Halifax as the lender
Review the submission preview — Smartr365 validates your data before sending
If validation passes, submit your DIP
The decision will be returned and displayed in SmartrConnect
Submitting an FMA
FMA submission is available after a successful DIP:
Ensure your DIP has been approved
Complete any additional fields required for the full application
Select Submit FMA from the SmartrConnect panel
Review and submit — the application ID will be returned on success
Re-DIP
If you need to resubmit a DIP after making changes to the fact-find:
Update the relevant case data
Navigate back to SmartrConnect → Halifax
Submit as a Re-DIP — Smartr365 will include the original lender reference
Self-Employment Cases
Halifax self-employment support requires a separate feature to be enabled. When active:
Self-employment income fields become available in the fact-find
Business details are mapped to the Halifax submission format
Additional validation rules apply for self-employed applicants
Common Validation Errors
"Only First Time Buyer, Home Mover mortgages are supported" — Your case type is not supported. Check buyer type and ensure the relevant feature is enabled
Repayment method error — Interest Only requires the Remortgage & Schemes feature
Missing income data — Halifax requires specific income fields that may differ from the standard fact-find
"Cannot lend into retirement" — The mortgage term extends beyond retirement age. Adjust the term or check if this restriction has been lifted for your firm
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