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Halifax: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.93 (157 reviews)

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3.79

Based on 157 reviews, last reviewed 10th Oct 2024

50% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

56%

18%

Latest highest rating:

5

I’d recommend Really helpful staff and easy to explain booklets to re-visit information that was discussed face to face. This allows me to recap information and tak... Read more Reviewed on: 10th October 2024

Latest lowest rating:

1

Useless untrained, unprofessional 2 months into our application and still no further than day 1. Delay after delay has been made by Halifax as they are using untrained inexperienced un... Read more Reviewed on: 5th September 2024

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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.

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Halifax Fixed Rate Mortgage reviews (157)

Great Deals for Home Owners

A quick and easy transition from our current fixed mortgage to a new 5 year deal Reviewed on: 4th January 2018

Great

Never had any problems with my Halifax mortgage. Process was quick and easy and the mortgage was set up in no time! I would definitely recommend to other first time buyers. Reviewed on: 3rd January 2018

Solid product for first time mortgage, couldn't match remortgage rate

Halifax gave me my first mortgage on my property at a reasonable rate. We went through a broker which smoothed the process, but as I was (lucky enough to be) gifted some funds from my parents we had an extra layer of scrutiny to prove where the money was coming from and to confirm that it wouldn't need to be paid back. This was all sorted and the product has been fine with regular payments taken correctly, with an easy process to set the payment date. I would have been happy to stay with Halifax when my initial rate ended, but they couldn't get close enough to the leading rate we were offered elsewhere. In summary, Halifax seem to be well suited for first-time buyers, but perhaps are not competitive enough once you've built up some equity. Reviewed on: 24th November 2017

Fantastic customer service!

As first time buyers, we were so nervous about getting ripped off on our first mortgage. We'd explored other options but eventually decided to go with Halifax, as we both held current and savings accounts with them already. From day 1, the process was so smooth. We met our Mortgage Advisor and immediately felt at ease. There were no pushy sales tactics and we really felt like she was on our side and trying to get the best deal for us. Half way through we changed the property we were buying and the change was effortless for her. She helped us through every stage until she left to go on maternity and even then we still had the best service from Halifax. We'd originally gone for the £400 cashback but right before we were due to complete, we'd seen the £1,000 cashback deal for new owners. As we were already completing, we were worried we wouldn't be eligible but after we expressed our concerns, they honoured it and gave us an extra £600 cashback, which helped us pay our solicitors bill in full. The best part, though? Receiving a lovely little tote bag full of new home goodies, including teabags, shortbread biscuits and more. Thank you so much for making our first home purchase a breeze! Reviewed on: 21st November 2017

Great Mortgage Provider

Been with Halifaxfor just under 7 years now and every time my fixed rate mortgage is coming to an end, the staff are always happy to advise and always manage to come up with a cheaper product for me. Reviewed on: 10th November 2017

A simple and cheap product which is easy to manage

Love my experience with Halifax around our mortgage. It’s been so simple to manage since we got it over 2 years ago. I can make overpayments on the banking app for any amount which is simple to use. I’ve also recently switched to a cheaper deal saving me money on the Halifax website in about 10 minutes. I really feel valued by Halifax and like they care about setting up their customers in the right way! Reviewed on: 8th November 2017

Fair when renewing my mortgage

I have had 3 fixed-rate mortgages now, with the Halifax, each time when re-fixing I researched and each time the Halifax has come up with competitive rates, offers and terms. It has been painless, simple and quick to re-fix. Reviewed on: 8th November 2017

Great customer service

Great customer service and excellent interest rates on fixed rate mortgages Reviewed on: 21st July 2017

Good but not always consistent

I have been with Halifax for over 20 years and generally I'm very pleased but lately they seem overworked and too busy to follow things up. I had to phone 3 times to get some documents sent by post. They need to sharpen up! Reviewed on: 29th June 2017

Easy to set up

We applied for a mortgage last year and had very choices as my husband had been resident in the UK for less than 2 years. Halifax was one of the few banks that were open to us and were able to obtain the mortgage and buy our first home with a 5% downpayment, they also had a 2,000 cashback offer at the time which was great to pay the fees. We're very happy to be on the property ladder and have had a good experience getting our mortgage with Halifax. Reviewed on: 29th June 2017

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