Atrocious Service, Cost us Thousands

We're doing a remortgage to Halifax of our current... Read more

We're doing a remortgage to Halifax of our current mortgage.

They've had the case for multiple weeks, and were progressing with free legals through Optima as per their standard conditions. Their free legal service is now saying that they won't deal with the case putting us right back to the beginning.

Our remortgage is relatively standard and Halifax have said that they are happy to lend against our house, but that the case should never have come to them in the first place.

This has led to thousands of pounds worth of interest payments on our behalf and on top of that, we now need to pay for our own legal costs to move the mortgage.

Frankly, if it was going to go this way, I'd have used someone else and I'll never remortgage to Halifax again. I'll also be looking into taking them to court for compensation for our losses.

Reviewed on 16th November 2021

Chris

Terrible people

Banked with them 20 years and wouldn’t help me one little bit. Offered me an AIP for 161k then when we went to branch offered me 112k! Zero debts and good background. Horrid people and terrible bank. Closing all my accounts with them ASAP. Avoid them :(

Reviewed on 21st October 2021

Jimmy Mole

Solid lender with good rates

Was able to secure a good 5 year fixed rate. Not really had to interact as I always pay on time. Will probably remortgage with them again if their rates are competitive in 2024.

Reviewed on 17th June 2021

Paul Hughes

Helpful and honest

Banked with Halifax for long time so was obvious choice for my mortgage

Reviewed on 20th March 2021

Simon

Always had a good deal

Would always go halifax if i could morgage credit card great customer care and 24 hr telephone bank support

Reviewed on 17th February 2021

Alex

Deceiving plans and patronizing costumer support

When initially sign up they will say "anything" to make you sign up even if you have concerns. but when these concerns later come up, if you signed the customer service will then laugh down the phone at you. not professional and deceiving. be careful... Read more

When initially sign up they will say "anything" to make you sign up even if you have concerns. but when these concerns later come up, if you signed the customer service will then laugh down the phone at you. not professional and deceiving. be careful before you sign anything from these guys

Reviewed on 2nd February 2021

Annie

Awful - Greedy Banker *anker

Horrific company, even you have 50% deposit on a new home, halifax still wouldnt let you port and... Read more

Horrific company, even you have 50% deposit on a new home, halifax still wouldnt let you port and brrow.
Worst thing is that before you sell to buy, they tell you they will lend to you to put you in motion for 2 sets of legal work, then when you are close to completion for both they pull the plug on you to force you to pay the early repayment charge, they make sure you cannot go forward and backwards to trap you in.

Reviewed on 10th December 2020

Yang Ni

covid computer says no

terrible company that fails to treat customers fairly .... even if you can prove your earnings / commission they only take 30% of it into account and tar everybody with the covid brush even if you can prove you havnt been affected by it - terrible... Read more

terrible company that fails to treat customers fairly .... even if you can prove your earnings / commission they only take 30% of it into account and tar everybody with the covid brush even if you can prove you havnt been affected by it - terrible company to deal with

Reviewed on 9th December 2020

mark

Halifax makes it IMPOSSIBLE to redeem your mortgage- you can never leave!!!!

... Read more

By far the WORST WORST WORST company I’ve ever dealt with. 2hrs 30 mins on the phone, nothing whatsoever resolved. Complete incompetence- can anyone believe Halifax can’t actually send emails. They haven’t ‘got the faculty’ to email urgent documents to anyone, even if it means they will be ruining a sale from going through and ruining their chance to get redeemed FOR THE SECOND TIME!!! Halifax makes it IMPOSSIBLE to have their mortgage redeemed. So much red tape in place and incompetence that they literally ruin sales from going through so that there is NO WAY to ever redeem your mortgage to them !!! Wow, horrified, in shock! Don’t get a mortgage with Halifax, unless it’s too late for you, as it sadly is for me!

Reviewed on 2nd October 2020

Sheni Lewery

Will not allow you to port your mortgage and penalise you fir trying to leave.

With the current situation banks have reduced lending And Arne asking for a 15% deposit, even though the Government has tried to help the housing market by stamp duty break. Most banks will provide existing customers along with first time buyers a... Read more

With the current situation banks have reduced lending And Arne asking for a 15% deposit, even though the Government has tried to help the housing market by stamp duty break. Most banks will provide existing customers along with first time buyers a mortgage with a 10% deposit. So if you are with the halifax as an existing mortgage customer and you took out a mortgage 2 years ago with a 5 year fixed rate and you want to move. A mortgage of £300000 would mean you would be ok with £30000 deposit. Beau asked of their greed they now want £45,000 deposit and if you have not got the additional £15,000 you can not port your mortgage so to move home you have no choice but to find another lender and pay a penalty for not staying with the Halifax. So either find another £15,000 before the stamp duty dead line in March or pay the Halifax over £5000 to be able to move now.. Won’t allow you to port your mortgage and penalise you fir trying to leave.

Reviewed on 18th September 2020

Lorraine Shepherd

Very helpful

Helpful staff gave good information about mortgage product and how to overpay. Easily set up extra payments with no hassle.

Reviewed on 11th July 2020

kpk1981

Morgage

Good is some respects, not always easy to talk to the person you want.

Reviewed on 24th June 2020

Gerry

Rubbish Service

Halifax are not providing a service. I am in a vulnerable situation, i have let you know and yet it makes no difference to your service. You are impossible to contact and everyone i speak to has a different update, not sure your staff are working in... Read more

Halifax are not providing a service. I am in a vulnerable situation, i have let you know and yet it makes no difference to your service. You are impossible to contact and everyone i speak to has a different update, not sure your staff are working in the correct departments. This poor service has been ongoing since March.

Reviewed on 5th June 2020

Charlotte

Borderline unethical. Terrible systems.

I was sold a '5 year fixed' deal, which wasn't - I am being charged thousands to 'early exit' even thought we've been here and never missed a payment for over 5... Read more

I was sold a '5 year fixed' deal, which wasn't - I am being charged thousands to 'early exit' even thought we've been here and never missed a payment for over 5 years.

Their systems are archaic - I spent multiple hours on the phone and in branch as they couldn't bring my personal and mortgage accounts under the same umbrella, meaning I was locked out of viewing and managing my mortgage for weeks. They gave me around £100 for this, but it took about a day to sort and 3 weeks to implement. Avoid. Avoid. Avoid.

Reviewed on 26th May 2020

Gareth

Poor admin

Very poor admin- didn't change addresses or surnames when requested, despite Branch Manager confirming they had completed it - twice!

Reviewed on 30th April 2020

CM

Mindless drones!!!

I've had a nightmare experience with Halifax. I had a valuation done on a property, which you have to pay £200 for, other lenders do it for free. The valuation report was never signed off, which means we couldn't get the mortgage. It took 3 months of ... Read more

I've had a nightmare experience with Halifax. I had a valuation done on a property, which you have to pay £200 for, other lenders do it for free. The valuation report was never signed off, which means we couldn't get the mortgage. It took 3 months of going back-and-forth, trying to satisfy their valuation company with the documents they needed. Every single one was rejected and the same scripted speech was given as a response each time. It was like being in an episode of Little Britain, "Computer says nooo!". The concern was around cladding, on a concrete building. They couldn't tell us where the cladding was, just wanted the developer to say it was safe. They rejected the letter saying it was safe, which was signed off by someone with the qualifications listed in their requirements of the letter. That was the last straw, it was impossible to get this mortgage, so I went with another lender and got the mortgage almost instantly. They robbed me of £200 and are refusing to refund it. They told me to contact the Financial Ombudsman Service and escalate it further if I wanted to. They don't care about you, they just don't care. They don't care about having you run around in circles trying to please them. They offer nothing but scripted spiel and cannot, simply, deviate from that script and tell you exactly what was wrong with what you gave them, when you feel like you have satisfied that scripted spiel. Mindless drones!!!!

Reviewed on 20th March 2020

Tommy George

Good new customer mortgages, terrible for existing customer.

Never go with halifax. They have a new policy of not wanting existing customers to stay with them. the mortgage rates they offer existing customers are the same as the standard variable rate. I presume this is to cover them from having to give... Read more

Never go with halifax. They have a new policy of not wanting existing customers to stay with them. the mortgage rates they offer existing customers are the same as the standard variable rate. I presume this is to cover them from having to give existing customers the deals regardless of affordability. compare this to other companies that offer the same deals to new and existing. not what you would expect from reputable name which halifax clearly isnt any more. bye bye. you wont see my money again.

Reviewed on 24th February 2020

ba11i

Easy to Set Up but not competitive

We have reached the end of our fixed deal with the Halifax and looked for another fixed deal product with the Halifax, however their rates are just not even close to other high street banks so although we love the service and the ease of setting up... Read more

We have reached the end of our fixed deal with the Halifax and looked for another fixed deal product with the Halifax, however their rates are just not even close to other high street banks so although we love the service and the ease of setting up the mortgage, we will have to find another mortgage provider when our deal finishes.

Reviewed on 9th February 2020

Stacey

Mis-sold by the mortgage advisor

The Halifax mortgage advisor kept a crucial detail from us, when we found out about it, a couple of days after completion, we called to tell Halifax we would like to remortgage with another bank, however, we were told the cooling-off period starts... Read more

The Halifax mortgage advisor kept a crucial detail from us, when we found out about it, a couple of days after completion, we called to tell Halifax we would like to remortgage with another bank, however, we were told the cooling-off period starts from the offer acceptance and not from completion and if we go ahead we would have to pay the early exit fees.

Reviewed on 14th January 2020

mgaidia

Good

Nothing specific but for shared ownership mortgage this was only option I had

Reviewed on 23rd December 2019

Prakash Vyas