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Halifax: Fixed Rate Mortgage reviews

3.91
Based on 163 reviews, last reviewed 23rd Jan 2026
100% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
57%
See only 4 star reviews
18%
See only 3 star reviews
5%
See only 2 star reviews
2%
See only 1 star reviews
18%

Latest highest rating:

5

Easy process when fix was up, clear communication. Easy process when fix was up, clear communication. I enjoy using the app. Reviewed on: 23rd January 2026
Hannah R's avatar
Hannah R

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
Tricia S's avatar
Tricia S

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.

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Halifax Fixed Rate Mortgage reviews (164)

Ok

4
Great good wow easy cheap deal Reviewed on: 16th January 2019

Really easy experience for first time buyers

5
We recently took a mortage with Halifax on our first home! They were very easy and informative! Reviewed on: 12th January 2019

Excellent service over past 20 years

5
Have always had my mortgage with Halifax. Have moved several times, been through a divorce, re-mortgaged for extensions etc. Service always good, fully recommended Reviewed on: 4th December 2018

Mortgage

5
I was given great advice and information for my first time buyer mortgage. After careful consideration of the two products, I took out the 5 fix mortgage payment. I was given a £750 cash back & a well come home owner gift when I moved in to my property. Thanks Halifax Stourbridge mortgage team. Reviewed on: 10th November 2018

1st Time Buyer

5
Got me on the property ladder :) Reviewed on: 9th November 2018

Reliable

4
Not the best deals on the market, but very decent deals with no remortgage fees and limited free overpayments. Reviewed on: 8th November 2018

Easy to change

5
Rate was up so enquired about a new rate. So easy to do, paperwork easy to understand. Brill Reviewed on: 8th November 2018

Great product very happy

5
Very easy to arrange do recommend. Reviewed on: 7th November 2018

Fixed Rate

4
Great customer service when choosing my fixed rate mortgage. There was no hard sell, just the fact Reviewed on: 25th April 2018

Service has always been satisfactory

4
Had a mortgage with Halifax for over 4 years, no complaints so far and reasonable rates considering my low deposit. Reviewed on: 4th April 2018

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