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Halifax: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.94 (160 reviews)

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3.82

Based on 160 reviews, last reviewed 25th Apr 2025

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

57%

18%

Latest highest rating:

5

EXCEPTIONAL SERVICES FROM IAN DIXON IAN DIXON IS AN EXCEPTIONAL MORTGAGE ADVISOR My mortgage advisor Ian Dixon was exceptional and professional. He is the best Advisor who went extra m... Read more Reviewed on: 25th April 2025

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 (160)

Review of the Halifax, Fixed Rate Mortgage:

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

Really good

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

Online remortgage

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

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

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