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Halifax: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.96 (164 reviews)

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3.91

Based on 164 reviews, last reviewed 12th Feb 2026

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

57%

18%

Latest highest rating:

5

Great helpful and offered the best at the time Great helpful and offered the best at the time Reviewed on: 12th February 2026

Latest lowest rating:

1

Poor. Big regret using Halifax for our mortgage Never heard anything from Halifax (we bought our first home 3 months ago) other than a letter to say when our first mortgage payment was due. No “cong... Read more Reviewed on: 13th April 2025

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About this product

Halifax is a bank offering a range of financial services, such as bank accounts, savings, insurance and mortgages, including fixed rate mortgages. A fixed rate mortgage will have a set interest rate for a certain term, usually two or five years. It’s important to be confident that you understand the terms, conditions and interest rate of a mortgage. Always consult the lender or an independent advisor if you need help understanding the options available to you.

Finding the right mortgage is a huge part of buying your dream home. We collect Halifax fixed rate mortgage reviews to help you decide if the lender and product are right for your needs.

If you’re considering a fixed rate mortgage with Halifax, read the reviews on Smart Money People first. Find out why customers chose this mortgage product and how satisfied they’ve been so far. Learn more about Halifax’s customer service. Read about genuine experiences to gain valuable insight into the provider.

Did you purchase your home with a Halifax fixed rate mortgage? Write an honest review today. Tell us why you chose Halifax and this particular mortgage product. Was the application process simple to understand? Share the main pros and cons you’ve experienced so far. Has Halifax kept you well informed of any important mortgage news or updates? Would you recommend your mortgage product to family and friends? Leave a Halifax fixed rate mortgage review today. Together, we can help people like you make better financial decisions.

Halifax Fixed Rate Mortgage reviews (164)

Review of the Halifax, Fixed Rate Mortgage:

Good mortgage service

Have offered a good rate than the other banks. The process for the mortgage was easy and simple. I recommend my friend to opt Halifax for their mortgage purpose. I will also like to continue with Halifax during the remortgage of they accept me. Reviewed on: 24th May 2024

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 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

Good

Nothing specific but for shared ownership mortgage this was only option I had Reviewed on: 23rd December 2019

Don't Grow Old with Halifax

Been a loyal mortgagee of Halifax for more than 10 years. My deal is coming to an end, so contacted them for a NEW DEAL - THEY SAID NO. Their deals last 2 years 3 months - my O/S mortgage is 2 years 2 months. They didn't offer a new mortgage for a further month - JUST SAID NO! So loyalty counts for nothing with Halifax, nor does being old as they refused to extend my mortgage (I am coming 65). The person who I spoke with did make a further comment regarding my outstanding mortgage and I quote "WE WOULD PREFER IT IF YOU REPAID YOUR MORTGAGE NOW RATHER THAN WAIT 2 YEARS" - Nice to be appreciated by a friendly, caring bank - NOT So a word of warning to everybody out there, that's getting old - Don't grow old with Halifax Reviewed on: 4th December 2019

quick and easy mortgauge

Very quick mortgage promise then application all done within 2 weeks! Reviewed on: 25th November 2019

Easy first time

We purchased a mortgage from Halifax at the ripe old age of 51 - no problems, no hassle no hard sell, a great rate, help at the end of the phone - no problems Reviewed on: 20th November 2019

Worst bank for a mortgage

I dont usually write reviews but Halifax have really screwed us over. We were due to complete our house today and move in but last minute Halifax said they did not receive our solicitors letter. This was at 9am and followed by 4 hours of calls and 2 hours of being on hold only to find out that it was actually too late for them to send a confirmation email on a Friday. Now we have no home and nowhere to live until Tuesday. This is the worst bank I have ever dealt with. Do not get your mortgage with Halifax, go anywhere else. The staff are really inefficient and really unhelpful and you will spend hours trying to get hold of someone on the phone only realise it was a total waste of time. Reviewed on: 27th September 2019

Amazing customer service

really helped with renewing our mortgage and giving us the best price Reviewed on: 24th May 2019

beware of binary option scam

Beware of Binary options scam I initially invested a total sum of $75,000 over a period of 18 weeks in Wisebanc. My bonus/profit was $150,000, every attempt to make withdrawal failed and I was instructed to make another deposit of $15,000 before I can make withdrawals which I did. Up till now I'm still unable to make withdrawals and all attempt to contact broker has failed. This is very pathetic and I advise everyone to be mindful of Brokers they trade with. I did a due diligence test before investing with them but guess what I ended up getting burned. This is to create awareness, not everybody can be as lucky as I was. I'm saying this because I was able to recover my funds through the help of INTERNATIONAL RECOVERY AGENCY(IRA) David markson .Thanks to David he’s a private investigator and wealth recovery expert...you can email him on [email protected] for more inquiries. He will guide you on steps to take and get back all you have lost. Am very happy to share this because i love seeing someone smiling again. Good Luck Reviewed on: 6th May 2019

Useless and incompetent complaints team

Avoid them at all cost. They're a bunch of thieving arrogant morons who impose charges and fees left right and centre. They will not inform you when your fixed rate is over and cash in on overpayment until you switch! Their complaints team is useless and incompetent. Thieving scumbags at their best. Reviewed on: 26th February 2019

Ok

Great good wow easy cheap deal Reviewed on: 16th January 2019

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