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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)

Remortgaged to a new fixed rate in 5 minutes and saved £70 a month!

5
I have now had a Halifax mortgage for 18 months and my fixed rate deal was ending. I looked at the offers on the website and when I entered my mortgage number, was given 2 deals to choose from - a 2 year fixed rate or a 4 year fixed rate. I selected the one that I wanted and was given a reference number to log in to check the progress of my switch. The next day, I received an email from Halifax to say it had all been confirmed and I would receive confirmation documents in the post as well as online. I've saved £70 a month on my mortgage for 5 minutes of my time! Reviewed on: 10th August 2015

Easy enough

4
I kickstarted my application in branch, and from then felt very well guided through the process. I'm now happily in my new home...and happy I applied for my mortgage with the Halifax! Reviewed on: 25th May 2015

Timing wasn't great

3
I arranged my mortgage with Halifax at the top end of the market. Not their fault, but it's not been good to see the cost of mortgages drop like flies while mine stays the same Reviewed on: 14th October 2014

They make life easy

4
The Halifax is my mortgage provider, I got a great mortgage with little fuss and they really make me feel like a valuable customer. Reviewed on: 2nd October 2014

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