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Halifax: Fixed Rate Mortgage reviews

3.95
Based on 165 reviews, last reviewed 7th Mar 2026
300% 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 to swap to a product transfer, easy to see pote... Easy to swap to a product transfer, easy to see potential options in the app Reviewed on: 7th March 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 (165)

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

Fantastic

5
I was told I would have trouble getting a mortgage due to being self- employed and back living in the UK for only a few months following a stint of living abroad. They were able to not only offer me a mortgage but with an exceptionally competive fixed rate. Excellent customer service and my online mortgage account is easy and efficient to use. Highly recommend. Reviewed on: 4th April 2018

Not a problem

5
I had a wonderful mortgage advisor who found the best deal for me. She was helpful and kept me updated. Easy, quick, couldn't ask for anything more Reviewed on: 11th February 2018

By far the best rate we could find

5
We switched to Halifax fixed rate mortgage 2 years ago when remortgaging. They were by far the best rate we could find and we have not had any trouble with them. Would definitely recommend. Reviewed on: 8th February 2018

Fantastic

5
Was told by many companies that I wouldn't be able to get a mortgage for the same amount to be able to move house. I desperately needed to move out of the area as I was experiencing domestic abuse from previous partners family. Luckily the Halifax gave me a mortgage, Caroline holland (mansfield branch) was brilliant and supported me throughout the whole process. Customer service and support were fantastic and the product was excellent at a fixed rate. Highly recommended. Reviewed on: 30th January 2018

Best mortgage rate for my circumstances

5
Used a mortgage broker initially who found a good fixed rate for my age and circumstances. Very helpful staff at the Halifax Reviewed on: 30th January 2018

Really good

5
Really good rates save us a good amount of money for the next two years Reviewed on: 7th January 2018

Online remortgage

5
I recently renewed my mortgage online with Halifax. It was such an easy process. It only took a few minutes online and then everything was handled smoothly from there. I'm very pleased with the service received and would definitely use them again. Reviewed on: 6th January 2018

Great Deals for Home Owners

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

Great

5
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

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