18th July 2017
The best rates
Halifax was by far the best mortgage rate we could find for a fixed rate mortgage. We've had excellent customer service so far. Would definitely recommend.
Our Smart Money People 360° Rating
Your Fixed Rate Mortgage Reviews (14)
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Most recent
30th April 2017
Competitive rates, reassuring service
Good homeowner loans and mortgage deal, great customer service and online security
19th March 2017
Shambles
One mistake after another in mortgage application. Has taken months and still not resolved. Nobody at their side least bit helpful. Couldn't care less and just shunt you around different people who tell you different lies. Just about to lose the house...
Read moreOne mistake after another in mortgage application. Has taken months and still not resolved. Nobody at their side least bit helpful. Couldn't care less and just shunt you around different people who tell you different lies. Just about to lose the house thanks to their incompetence
14th November 2016
Excellent Service
Excellent customer service with calls answered quickly and by informative and helpful staff
5th September 2016
Great service at a great rate!
I have only recently changed my mortgage to First Direct, and I was very impressed by the process. Their own conveyancers provided me with access to an online tracker so that I could see exactly what stage the remortgage was at, and could upload...
Read more I have only recently changed my mortgage to First Direct, and I was very impressed by the process. Their own conveyancers provided me with access to an online tracker so that I could see exactly what stage the remortgage was at, and could upload documents to them as needed.
Now that the mortgage is active, I have a great interest rate (with no fees, bonus!) and can overpay at any time through the online banking. If I ever need to phone the mortgage team, they answer straight away, 24/7, and are friendly and helpful.
The one small downside is that I can't see the balance of the mortgage online, which is a little disappointing from an online-only bank. However the product and service are so good that I can easily forgive this little flaw.
9th June 2016
Awful Mortgage department
Just a...
Read more Just a shambles
Took months to process a mortgage. Well beyond their stated target
As a result I lost the house and an currently searching for another
Terrible communication
Even the complaints procedure is non functional
I believe they used to be good but nowadays avoid
The WORST bank I have ever dealt with
28th March 2016
Best bank
My favourite bank and best for customer service by a mile
12th February 2016
overpay then payoff
My first direct mortgage allowed me to overpay then pay off my loan more quickly than i would have done otherwise. Staff in call centre are most helpful and proactively ensure you are receiving the right service. Couldn't fault them!
29th January 2016
Sticking with First Direct
We got our first mortgage with First Direct because they had the best combination of rates/fees for us at the time. When our fix came to an end, they weren't quite the cheapest option, but the service we got from them was well worth the price to stay...
Read more We got our first mortgage with First Direct because they had the best combination of rates/fees for us at the time. When our fix came to an end, they weren't quite the cheapest option, but the service we got from them was well worth the price to stay with them. We spent over 2 hours on the phone with an advisor chatting about our various options, which saved us tons of money and time (he did a computer-based valuation of our home which lowered our LTV by 15%). The process to re-fix was simple and straightforward - I kept calling up to confirm things because it seemed too easy!
The only things I wish they would do: 1) display the mortgage balance on your online account rather than having to wait for a text alert the next day, 2) adjust their interest rate calculation so that it follows calendar months (ours is offset by 10 days based on when we got our mortgage). Those are very minor complaints though!
24th December 2015
remote mortgage for simple administration
The wrapping-up process in completing a mortgage with first direct was made super simple as they took me step by step through my responsibilities with instruction on when to engage a solicitor and what to expect from the solicitor. They regularly...
Read more The wrapping-up process in completing a mortgage with first direct was made super simple as they took me step by step through my responsibilities with instruction on when to engage a solicitor and what to expect from the solicitor. They regularly contacted me via phone to ensure all was well.
With full access to accounts online, this is a simple way to do banking with a very efficient banker.
